vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Requesting debt validation of the debt claimed to be owed I do not have any responsibility for the debt National credit adjust trying to collect. if they believe that i am indeed responsible for this debt, please provide me with a debt validation of my original contract with my wet ink signature showing this debt belongs to me. 
i also ask that the flow agreement, transfer of assignment, bill of sale all be presented to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/XXXX I used XXXXXXXX XXXX to cash a check to be deposited in my linked pay pal account. The check amount was XXXX $ and I paid a XXXX $ fee for money in minutes bringing the transaction total to XXXX XXXX I recieved a confirmation Email containing a receipt for a successful transaction. Ive used this service many times before and its usually less than a minute. After about XXXX mins I reached out to customer service and they told me they did not receive the funds and advised me to contact XXXX, which I did. XXXX told me just what the receipt said that the funds were transferred to PayPal and beyond that they could not track. I called PayPal back and they told me they dont see any deposit made. I Had a supervisor even make a XXXX way call with XXXX and they told him the same thing. He took all my information and promised me the next day when his shift started he would call me back. Im located in Virginia the call center he was at is XXXX Nebraska and theres a XXXX hour difference. Id like to add I asked my customer for a payment of the balance because the job was taking longer and I needed funds for gas, food, etc. and I was at a gas station pump when this all first started. I wasnt able to get to work the next day. Anyway the following day I waited for a phone call until what woulda been about XXXX XXXX  XXXX XXXX and called back and had to start the whole explanation over again I was told it was being worked on and to wait XXXX hours and I did and nothing this went on for a week. I had every explanation under the sun given to me I was told XXXX hours XXXX hours XXXX business days. Nothing. Weekend came and went and every day like the last I began demanding to speak with a higher authority I spoke with no less than XXXX PayPal employees throughout the week with no result and in some caeses being told they couldnt help me and some telling me its almost fixed. I eventually talked with my customer and asked if they could try to cancel the check and they went to theyre bank immediately and when they got back they had a photocopy of the check as it was deposited into PayPals bank. I brought this information to PayPal to add to the receipt from the confirmation email, which I was asked to upload 5 or 6 times but I did it every time they asked and in the face of this evidence they would promise a call back and it never came. I wanted to give them time to figure it out as to not prolong getting my money even more but finally after a week of getting nowhere I reached out to CFPB and started the complaint process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 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 2025-11-26 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: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: OH

Complaint narrative:
Greetings, I am writing to formally dispute 1 inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate Credit Transactions Act ( FACTA ) from the harmful impact of identity theft and data misuse.

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 2025-11-26 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: MS

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: CO

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain accounts and inquiries on my credit report. The accounts listed below are inaccurate, incomplete, or unverifiable, and I request that they be thoroughly investigated and corrected. Below is the detailed information on each account and inquiry by bureau : CHARGED XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} INQUIRIES XXXX  Date : XX/XX/XXXXXXXX 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 2025-11-26 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing a complaint against PayPal for improperly handling a fraudulent transaction. I purchased clothing from a seller who used misleading photos and descriptions. The items I received were nothing like the advertised product, constituting outright misrepresentation.

I submitted a dispute through PayPal with full documentation, including photos, screenshots of the original listing, and proof that the items delivered were counterfeit or falsely advertised. Despite overwhelming evidence, PayPal denied the claim and released funds to the seller.

PayPal failed to provide consumer protection and has allowed the seller to continue conducting fraudulent activity through their platform. I am requesting CFPB intervention to require PayPal to refund the transaction and enforce proper consumer protection procedures to prevent further harm.

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 2025-11-26 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: VA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding the following accounts. I request that the items be reviewed and corrected as per the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} Inquiries XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX Late Payments XXXX  Account Number : 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 2025-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.

Complaint narrative:
I bought a Google XXXX gift card from XXXX XXXX XXXX XXXX XXXX on XX/XX/2025. It was activated by the store. When I tried to redeem the card I had a message saying further information needed ( see attached ). I sent all the information they requested which comprised of picture of error message, till receipt, copy of the gift card and copy of the activation ( see attached ). Since XXXX XXXX I have been messaging the complaints department back and forth with no luck. First of all they say there are restrictions on my Google account but do not explain what they mean. Then I have gone on their online chat to be told that my gift card is part of a batch that can not be redeemed. Why? They cant tell me that! I have bought this card from a well known store. The store can not help because they have completed all that is necessary from their side. I have been through my credit card company but they can not help either. I have tried with Google and escalated to their specialists. I can not believe that I have paid XXXX for a card from a large U.S. company that due to no fault of my own I can not use and they will do nothing about it. This seems to be a common occurrence according to their online reviews.

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 2025-11-26 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: MN

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-26 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I completed a {$500.00} balance transfer from Elan Financial Services, a division of U.S. Bank, to my XXXX XXXX  account. I was informed the transfer would appear in my XXXX account on XX/XX/XXXX. However, the deposit did not post as expected on that date, causing several of my transactions to be declined due to insufficient funds. As a result, I was charged XXXX overdraft fees of {$36.00} each, totaling {$140.00}. 

I later filed a complaint with XXXX XXXX at the XXXX XXXX XXXX XXXX, and left her a message and I did see that some, not all of the overdraft fees were reversed - reference # ending XXXX. 

Upon following up with Elan Financial Services, I was told XXXX XXXX received the electronic deposit and would process the deposit within XXXX business days from receipt. This unreasonable delay caused undue financial harm and inconvenience. Additionally, an erroneous charge of {$4000.00} was made on my account instead of the minimum monthly payment due. Elan Financial Services promised reversal of {$4000.00} and I would see the money back in my XXXX XXXX  on XX/XX/XXXX however that did not happen further complicating my account status. 

I suspect intentional mishandling or error in the processing of my ACH payments which are processed through the Federal Reserve 's FedACH and The Clearing House 's XXXX XXXX. Given my long history as a victim of identity theft linked to extensive data breaches and unauthorized selling of my personal information without consent - including multiple breaches involving social media platform ( XXXX ) to include purchases made ( e.g. video games for my son 's XXXX  ) ; I am seriously concerned that these ACH errors have harmed my character and credit standing unfairly. 

I request the Consumer Financial Protection Bureau to investigate these issues thoroughly, review the handling of my ACH transactions in accordance with XXXX operating rules, and to ensure all parties adhere to regulations designed to protect consumers like myself. I further request assistance in correcting my account information and preventing further financial damages due to delays or errors in ACH payments. 

Thank you for your 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 2025-11-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is a second and final notice. I'm reaching out again regarding fraudulent accounts and unauthorized inquiries being reported under my name. Let me be clear : I am the consumer, and I am writing this letter personally. There is no third party involved. So please do not send me another stall letter or generic response that approach is unacceptable and shows disregard for both federal law and consumer rights. 
This matter has already been raised and documented, yet these inaccurate and fraudulent entries remain on my credit file. This is not just a reporting error it's a serious identity theft issue, and your inaction is now bordering on willful non-compliance. 
Violations of Federal Law and Consumer Rights : 15 U.S.C. 1681b ( c ) Unauthorized Inquiries You are not allowed to furnish credit reports for transactions I didnt authorize. The inquiries listed below were not initiated by me and must be deleted. 
15 U.S.C. 1681c2 Block of Information Resulting from Identity Theft You are required to block fraudulent information within 4 business days of receiving proper documentation. Ive already provided you with everything necessary including my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address.

18 U.S.C. 1028A Aggravated Identity Theft Continued reporting of identity theft-related entries makes you complicit in the damage being done. If you fail to block this information, you allow criminal activity to persist and knowingly hurt my financial reputation.

15 U.S.C. 1681i ( a ) Failure to Reinvestigate If you do not reinvestigate or verify the entries within the time permitted by law, and can not produce legitimate records showing my authorization, you are obligated to permanently remove them. 
Fraudulent Accounts and Inquiries ( Previously Disputed ) : 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 XX/XX/2025 XXXX. XXXX XXXX XX/XX/2025 XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX 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 2025-11-26 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Bounce AI, Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX. I signed the lease on XX/XX/XXXX and I moved into XXXX XXXX XXXX  on XX/XX/XXXX. I found out I was pregnant in XX/XX/XXXX. I had to make a decision to break my lease early due to becoming a single parent. I spoke with the property manager of XXXX XXXXXXXX XXXX  and explained My situation she stated allow her to see what she could do. I received my letter to vacate on XX/XX/XXXX and I moved out XXXX/XXXX/XXXX and submitted my last rental payment of XXXX on XX/XX/XXXX. I received an email from XXXX on XX/XX/XXXX that I owed XXXX not understanding why or how? I got a response back from XXXX asking was I trying to dispute I said yes and after review I would have to contact XXXX XXXX XXXX  for the claim to removed. I proceeded to follow up with XXXX XXXX and No response. This false complaint has impacted not only my credit score but the prospect of me finding new housing for My child and I. 

I have attached emails and documents supporting my case below. emails sent to XXXX XXXX  regarding the collection. I've attempted to call and sent emails with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
My promotional interest rate expired this past month. I was not aware that the expiration would cause all deferred interest from the entire original purchase to be added to my balance at once. I believed interest would only apply moving forward, not retroactively for the full financing period. My balance went from approximately {$1100.00} to over {$2300.00} due to {$1400.00} in interest charges added in a single cycle. I am requesting a review because this increase was unexpected, not clearly explained at the time of purchase, and financially harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services
State: NC

Complaint narrative:
I have been in contact with the company ED financial multiple times and everytime I have been told that they are unable to help me or send me documentation due to me not having and account with them Well of course I dont have an account with them because I have NEVER received student loans this is either fraudulent activity on my credit or a mistake. 

I finally spoke with a lady named XXXX with ED Financial on XX/XX/year> she informed me that she was also unable to provide me with documentation but advised me to dispute on all platforms so now Im here filing my 5th dispute

Company response to consumer: Closed with explanation