vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: VA

Complaint narrative:
I am disputing an alleged XXXX XXXX  debt that Aldous & Associates is attempting to collect. Within 30 days of their first contact I mailed a written FDCPA debt-validation request. USPS shows it was delivered on XX/XX/year> at XXXX XXXX  in XXXX, UT ( Certified Tracking # XXXX ). 

Aldous has not mailed any validation. Instead, they continue collection activity by sending payment plan emails and asserting the balance ( now {$180.00}, previously ~ {$130.00} ). Under 15 U.S.C. 1692g ( b ), a collector must cease collection ( including emails, calls, portal messages, and credit reporting/verification ) until they mail validation. 

Separately, the underlying charges are disputed. I canceled the XXXX membership and XXXX  agreement on XX/XX/year> due to relocation more than XXXX miles from any facility, as permitted by Florida XXXX XXXX XXXX. I notified XXXX in writing and by certified mail ( XXXX # XXXX ) with proof of my new address. Any fees assessed after my cancellation notice are invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On [ XXXX XXXX ], I was charged approximately {$3000.00} by Chase Bank for merchandise I purchased. Some items arrived damaged/defective, and some never arrived at all. 

I contacted Chase multiple times to correct the dispute and have it reopened for the correct reason : damaged/defective merchandise and missing orders. During one call, I spoke with an employee named XXXX ( call started at approximately XXXX XXXX  ). She refused to provide her employee ID and would not transfer me to a manager or supervisor. Despite providing evidence of the damaged and missing merchandise, my dispute was not reopened correctly. 

I want the CFPB to publish this description on consumerfinance.gov so that other consumers can learn from my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
I am disputing a utility collection reported by Transworld Systems Inc. 

Balance : {$390.00} Original Creditor : XXXX XXXX Opened : XX/XX/year> No original billing statements or proof of responsibility for this debt have been provided. Reporting without substantiation violates FCRA 607 ( b ) and 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: CO

Complaint narrative:
My information was involved in the data breach. I have multiple accounts and negative status that are not mine nor have they provided information pertaining it to be belong to me. And reporting inaccurate information without XXXX XXXX accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: CO

Complaint narrative:
My information was involved in the data breach. I have multiple accounts and negative status that are not mine nor have they provided information pertaining it to be belong to me. And reporting inaccurate information without XXXX XXXX accuracy.

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 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal won't let me close my account. 

History : Paypal debited my XXXX  XXXX  account 2x on XX/XX/XXXX and XX/XX/XXXX. However, only one transfer was completed, the other transfer was held. They also sent me a notification about this, I'm attaching it. I immediately asked them to cancel it, but they didn't. 

On XX/XX/XXXX, I asked my bank ( XXXX  ) to open a case, because Paypal had seized my money and not transferred it to my XXXX wallet, but since XXXX didn't understand that it wasn't XXXX that was holding my money, but Paypal, I canceled the case on XX/XX/XXXX. 
The first {$50.00} arrived in my XXXX wallet immediately, on XX/XX/XXXX, the second only on XX/XX/XXXX. 

Paypal claimed that they seized my money because I had filed a bank case, but this is not true, the case was filed precisely because they did not complete the transfer and they actually held out for XXXX weeks, which XXXX warned me that Paypal would do this because it is their practice and they do this to many of their customers. 

After that, I wanted to close my Paypal account, but they said that they could not close it because the bank case was in progress, which was also not true. 
My account is still not possible to close today! I do not want to be a Paypal customer anymore, but they will not let me close my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: TX

Complaint narrative:
The consumer reporting agency has failed to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to block and remove information that resulted from identity theft within the mandated four ( 4 ) business days, as required by 15 U.S.C. 1681c-2 ( FCRA 605B ). In addition, the agency has not provided verifiable documentation to substantiate the disputed information nor ensured that my personal financial data was protected in compliance with the GrammLeachBliley Act ( GLBA ). These failures constitute clear violations of my federal consumer protection rights.

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 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Despite adding the XXXX XXXX 10 % cashback offer to my account and completing the purchase before the offer deadline, I did not receive the cashback. The offer was also moved to the " Expired '' tab in my account. 

The terms and conditions clearly stated that purchases made before XX/XX/year>, XXXX XXXX  EST would qualify. I made the transaction within this timeframe. 

After noticing the issue, I contacted customer care and was told that I was still eligible for the offer and that the cashback would be credited. However, the cashback has not been applied, and I received a secure message from Chase which said I am not eligible for offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-21 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: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I am disputing unauthorized or inaccurate hard inquiries on my XXXX  report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Barclays Bank Delaware XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX I did not authorize certain inquiries, including XXXX, Barclays Bank Delaware, and duplicate auto loan pulls from XX/XX/XXXX. Dealer submissions should not result in multiple inquiries across several lenders. This practice inflates the number of credit applications I supposedly made, violating FCRA 607 ( b ) accuracy requirements.

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 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
XX/XX/year> I filed a dispute for over 50 unauthorized transactions with Huntington bank9. I was told in 3 business days I'd receive a provisional credit. The next day they blocked my online access along with closing my account. I asked for more information that concluded their determination because the investigation is supposed to take atleast 90 days. They investigated in a day and never gave me proof of determination. I followed up with them ever since XX/XX/XXXX and they refuse to give me supporting documents that support their claim. They concluded that the transactions were correct without any proof. Never gave me any credit. So I lost out on thousands because they said I was a risk to their company but yet I'm protected under regulation e. Their supposed to send me proof and still haven't. Im attaching the document that they've sent me with all my disputed transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams, Rush & Associates, LLC
State: VA

Complaint narrative:
A previously deleted collection account COMPLAINT ID XXXX from XXXX XXXX has been reinserted into my credit report under a different name : William Rush and Associates, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX XXXX 

This reinsertion violates the Fair Credit Reporting Act ( FCRA, Section 611 ( a ) ( 5 ) ( B ) ), which requires : 1. A credit reporting agency must obtain certification of accuracy from the furnisher before reinserting a deleted item.

2. The consumer must receive written notice within 5 business days of reinsertion, including the furnishers name, address, and phone number. 



I received no notice of reinsertion, and therefore my rights under the FCRA have been violated. 

Additionally, this account is inaccurate and unverifiable : I have never opened an account with XXXX. 

When I attempted to contact the original furnisher at the address listed ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ), the mail was returned as Addressee Unknown ( documentation available ). 

The same account has now been re-reported under a different collection agency, which raises questions about its accuracy and validity. 



-- - Requested Resolution : I am requesting that the CFPB ensure compliance with the FCRA by directing the credit bureau ( s ) to : Immediately delete this account from my credit file. 

Provide written confirmation that no further reinsertion will occur unless proper FCRA certification and consumer notice requirements are met. 

Investigate whether William Rush and Associates, or XXXX XXXX XXXX, are furnishing inaccurate and unverifiable data to the bureaus. 


This account is damaging my credit profile and preventing me from accessing fair lending opportunities.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: Synergetic Communication Inc
State: VA

Complaint narrative:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence SYNCOM Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am filing a complaint regarding PayPals handling of a fraudulent dispute that has left my account in a negative balance. 

I provided professional services for a project named XXXX XXXX  to a client, XXXX XXXX ( email : XXXX, phone : XXXX, PayPal ID : XXXX, XXXX : XXXX : XXXX ). 
I have full proof of the work delivered, including communications, emails, and project files. 

The client initially paid me through PayPal. After receiving the completed work, he fraudulently opened a dispute with PayPal. As a result, PayPal reversed the funds, and my account is now in negative balance, despite clear evidence that the work was delivered as agreed. 

I contacted PayPals support team, but they informed me that they can not assist. I believe this demonstrates unfair handling of my case, as PayPal should ensure that its services are not used for fraudulent activities.

I am requesting the CFPB to review PayPals handling of this matter and require them to address this fraudulent dispute, remove the negative balance, and protect consumers from similar abuse of the Friends and Family payment system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: GA

Complaint narrative:
The consumer reporting agency has failed to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to block and remove information that resulted from identity theft within the mandated four ( 4 ) business days, as required by 15 U.S.C. 1681c-2 ( FCRA 605B ). In addition, the agency has not provided verifiable documentation to substantiate the disputed information nor ensured that my personal financial data was protected in compliance with the GrammLeachBliley Act ( GLBA ). These failures constitute clear violations of my federal consumer protection rights.

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 2025-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: WA

Complaint narrative:
On XX/XX/year> i receive a call from number XXXX, claiming to be from Chime customer service. They sound professional, maybe even using a spoofed number that looked like its from Chime. They say : Weve detected fraudulent activity on your account. To protect your funds, were going to regenerate your account and temporarily move your balance of {$720.00} into a secure holding account. That secure holding account was under the number they called me from and sent as a pay anyone transfer, with the reason under XXXX XXXX XXXX XXXXXXXX The caller used my credit card number and SSN to verify my account. 
I am reporting this incident to ensure transparency and to protect others from similar scams. I have contacted Chime through their official support channels and they continuously deny my disputes. I filed a report with the Federal Trade Commission. I am also monitoring my account for any more unauthorized activity. 
This experience has reinforced my commitment to vigilance and accountability. I remain focused on maintaining financial readiness and protecting my personal information, especially as I continue to serve in the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
I purchased a stove from Best Buy, online. Product # SKU : XXXX and model Model : XXXX. 

The website has the stove listed for {$1100.00}. 

The add states you will save {$420.00} by buying from best buy, instead of purchasing from a competitor for {$1600.00}. 

Additionally the webpage offers the purchase through the best buy credit card for 18 months at 0 % interest ; if you do the math on the monthly payments x months, this also equals {$1100.00}. I applied for this, was approved, and completed the purchase using the Best Buy Credit Card. 

I then received a statement with my Citibank login information, only to log in and find that Best Buy charged me {$1600.00} for the stove. I can assure you, no where during the checkout was I told, nor agreed to this amount. 

I have screenshots of the product webpage that saved, and the product in my cart, which backs up my statements made above. I have messaged citibank only to receive delayed responses saying they are reviewing my case and will mail me a letter with resolution, but I must submit further documentation via email or fax ; However, they do not provide a working email or fax number to submit said documentation. 

Any normal business wouldn't take multiple weeks to resolve. This is shady business practice and I will not pay them a dime more than what was advertised, and my GOOD CREDIT history should not have to be negatively affected in doing so. The balance should be corrected, last I understood false advertisement in the USA is ILLEGAL.

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 2025-09-21 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: CA

Complaint narrative:
The consumer reporting agency has failed to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to block and remove information that resulted from identity theft within the mandated four ( 4 ) business days, as required by 15 U.S.C. 1681c-2 ( FCRA 605B ). In addition, the agency has not provided verifiable documentation to substantiate the disputed information nor ensured that my personal financial data was protected in compliance with the GrammLeachBliley Act ( GLBA ). These failures constitute clear violations of my federal consumer protection rights.

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 2025-09-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, I filed CFPB complaint # XXXX against National Credit Systems ( NCS ) for attempting to collect a debt I do not owe. I never signed, authorized, or incurred this debt. The only document provided was a copy of a lease that is not mine and is fraudulent. 

I sent certified letters to NCS requesting debt validation as required under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). NCS never provided validation. Instead, they continued reporting the account to the credit bureaus. 

In XX/XX/XXXX, I filed a second CFPB complaint ( # XXXX ) because NCS was still reporting this account. Once again, NCS failed to validate. Instead, they tried to shift the burden onto me by demanding a police report, notarized affidavit, government ID, and proof of residency. These items are not required under the FDCPA. The law requires the debt collector to provide verification before continuing collection or reporting activity. 

Because NCS has refused to provide validation but continues reporting, they are violating both : FDCPA 809 ( b ) : They must cease collection until validation is provided. 

FCRA 623 ( b ) : Furnishers must not report information that can not be verified.

I have attached certified mail receipts, copies of my dispute letters, and prior CFPB responses.

Requested resolution : NCS must cease all collection efforts.

NCS must delete/remove this account from my credit reports unless and until they provide proper validation.

NCS must stop imposing unlawful extra requirements ( police report, notarized affidavit ) that are not part of FDCPA compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in the FTC IDENTITY THEFT REPORT. I am a victim of identity theft. I have multiple inquiries that I DID NOT apply for listed on my credit report. I ask that these inquiries to be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have XXXX copies of the report. I would like these inquiries deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-09-21 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: SLM CORPORATION
State: SC

Complaint narrative:
I was notified of an alert on my credit monitoring service of new inquiry for Sallie May attention to apply for a loan. I want the inquiry removed. I've notified the credit bureau and placed freeze on my accounts however the inquiry needs to be removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief