vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: OH

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXDear Debt Collector's ,\nThis letter disputes the validity of the alleged debt mentioned above, which the debt collector contacted about on [date of communication]. Under Section 809(b) of the FDCPA, validation of this debt is requested. Collection activities must stop until the debt is validated. Sending this letter does not mean the debt is acknowledged. \nTo validate the debt, the debt collector must provide: \nThe original creditor's name and address.\nThe original account number.\nThe amount owed.\nProof of legal obligation to pay.\nAn itemized breakdown of the amount.\nConfirmation the debt is within the statute of limitations.\nProof that the debt collection company is licensed to collect debts in the sender's state. \nIf the debt has been reported to credit bureaus, it must also be reported as disputed. A response is expected within the legal timeframe. \nSincereXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
Hello, I am requesting validation of the debt you claim I owe. Please provide documentation, including a copy of any contract with my signature and proof of the amount. Until I receive this, I do not acknowledge the debt.

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 2025-08-31 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony only gave me {$6.00} out of {$200.00} security deposit that I had given them in opening this account.

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 2025-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
To Whom It May Concern, I am filing a complaint against Venmo ( a PayPal service ) regarding the permanent suspension of my account. Venmo alleges that I violated their Terms of Service by filing multiple disputes. However, these disputes were not made by me. My email account, which is tied to Venmo, was hacked, and the unauthorized party submitted these disputes and even replied to Venmos follow-up inquiries.

Despite my explanations and suggesting I could provide an affidavit that my email account was compromised, Venmo permanently suspended my account and has refused to reinstate it. I have secured my email, enabled two-factor authentication, and offered to provide the above documentation for trust. Venmo has not given me a meaningful avenue for appeal or resolution.

This has caused undue hardship, as I rely on Venmo to send and receive funds, and I am being penalized for fraudulent activity carried out by a hacker, not by me.

I am requesting the following resolution : 1. A full review of my case by Venmos fraud and compliance team.

2. Reinstatement of my Venmo account, as the violations were due to unauthorized access beyond my control.

3. Confirmation that Venmo will provide consumers a fair appeals process in situations involving fraud and account compromise. 

Attached are copies of communications with Venmo, along with an affidavit evidence that this was not made by me. 

Thank you for your assistance in holding Venmo accountable and ensuring consumers are protected from wrongful suspensions when fraud is involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX Phone Number : XXXX XXXX XXXX XXXX XXXX Experian :  P.O. XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX.O. XXXX XXXX, XXXX, PA XXXX XXXX XXXX P.O. XXXX XXXX, XXXX, GA XXXX Subject : Dispute of Inaccurate Information pursuant to 15 U.S.C. 1681i To Whom It XXXX Concern : I am writing to dispute inaccurate information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 
The following item is inaccurate and should be investigated and removed : Creditor Name : Deptednelnet Account Number : XXXX Disputed Item : The late payment ( XXXX ) reported on [ XXXX, XXXX ] and/or Stating Past Due 90 Days. 
Reason for Dispute : This late payment is inaccurate. Billing error : I never received a statement for this period, leading to a missed payment that was not my fault. 
I have enclosed a copy of my credit report with the disputed item circled, as well as Disputed on EXPERIAN to support my claim. 
Please investigate this matter and delete the inaccurate late payment from my credit file immediately. 
Sincerely, 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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Phone Number : XXXX Find Addresses for : XXXX XXXX P.O. XXXX XXXX, XXXX, TX XXXX XXXX XXXX  P.O. XXXX XXXX, XXXX, PA XXXX Equifax : P.O. XXXX XXXX, XXXX, GA XXXX Subject : Dispute of Inaccurate Information pursuant to 15 U.S.C. 1681i To Whom It May Concern : I am writing to dispute inaccurate information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 
The following item is inaccurate and should be investigated and removed : Creditor Name : Deptednelnet Account Number : XXXX Disputed Item : The late payment ( XXXX ) reported on [ XXXX, XXXX ] and/or Stating Past Due 90 Days. 
Reason for Dispute : This late payment is inaccurate. Billing error : I never received a statement for this period, leading to a missed payment that was not my fault. 
I have enclosed a copy of my credit report with the disputed item circled, as well as Disputed oXXXX XXXX to support my claim. 
Please investigate this matter and delete the inaccurate late payment from my credit file immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Apple Law Group, Inc.
State: GA

Complaint narrative:
My XXXX XXXX account has been restricted because the date of birth I entered did not match the year on my Social Security Number. This was an honest mistake, and I was not attempting any fraudulent activity. I corrected the information, but my account remains blocked from sending and receiving payments. I rely on XXXX XXXX for transactions and believe this restriction is unfair since I was not violating any terms or engaging in misuse. I am requesting that my account privileges be restored.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have an American Express card and I mistakenly posted a payment from an account without funds in it, which returned nsf. When I realized, I posted another payment from the correct account. My online access shows available credit but my card declined when I tried to make a purchase. This has happened once before and when I initiated a chat via the app, a representative removed the block on my card. This time when I did initiated a chat on XX/XX/year>, the representative told me it was not possible to remove the block but the card would be available to use on XXXX. I requested a supervisor and the rep did not want to escalate but eventually did. The supervisor confirmed the same information and encouraged me to call customer service. That rep also told me that this is because it is my second offense. I called customer service and was told I was quoted an incorrect date and the block would be removed XXXX, not XXXX. The rep could not answer why i was being given two different dates. He also told me Ill never see online that my card is blocked, nor will I be informed in writing, I have to call to find out verbally. I asked if I have been sent an adverse action notice and he confirmed I have not and will not. He also told me twice that Amex refusing to remove the block is a new policy. 
Following this I went back to the chat to ask why I was quoted an incorrect date. This time I was transferred to the department who unlocked my card in XXXX, on my first offense. She maintained that she can not unlock it, and when I asked why someone was able to in XXXX I was first told they werent, then when she read the chat she said she didnt know. She urged me to call my bank on a XXXX  way call to verify funds have cleared from the new payment, at XXXX pm on a XXXX XXXX. This rep also told me that it might not be XX/XX/XXXX or XX/XX/XXXX that my card block is removed. She said it can happen at any time as early as today ( XX/XX/XXXX ) or as late as XXXX business days. I asked her to confirm : XXXX business days from when? The date of the first returned payment or the date of the new posted payment. She did not have an answer for that. She did say this is not a new policy, and did not know why the phone representative told me it is. She also told me there is no way to know that the block is removed, other than to try to make a purchase. 
My complaint is deceptive practices. If I have no credit available, the app should not show credit available, If my card is blocked, and I am given a date in writing for the block to be removed, Amex should honor it. And phone representatives should not be allowed to lie to consumers about company policies out of convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: PA

Complaint narrative:
I have had a Paypal for years. Earlier this year, I was a victim of that major hacking event where several XXXX people 's emails, passwords, and social security numbers were hacked. Around XXXX, a foreign agent logged into my PayPal, fraudulently made a business account with a new name and new bank account in a foreign country, then made several transactions from my bank account to Paypal totalling {$600.00}, then withdrew that money from Paypal to his bank account in a foreign nation. I contacted both Paypal and my bank ( Ally ) and reported the fraud. I then took measures such as shutting down that bank account and changing my password. After a few weeks, I contacted Paypal about the status of the case and was told that investigations take around XXXX days. Later, when I logged in in XXXX, there was a small message in Paypal that the case had been closed and it was found to not be fraudulent. I called them again, but they are not able to give me an answer on why they have determined that someone making a new profile with new name, new bank account, and new email and sending money to a foreign country does not count as unauthorized fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My previous complaint ( XXXX ) was directed to XXXX XXXX XXXX when it I recently learned should have been directed to XXXX XXXX XXXXXXXX XXXX. They NEVER sent me the Debt Validation Letter information requests, only a past one year statements when I have had this account for 42 years. They also said they are the original card holder again no proof documents provided to me. They have been increasing the balance each month for the past XXXX months when the billing was supposed to stop it did Not stop they are daily increasing the balance, wrongfully. CFPB please send the complaint above here to CITI THANK YOU XXXX. Nothing is resolved as per my request also went to the Resolve Dept of this company while they are stilll billing me with no investigation. This account is XXXXXXXX XXXX XXXX and they have Not sent me the Debt Validation Letter demanded documents. The account was started in XXXX  and over the XXXX yrs the account number has changed multiple times.

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 2025-08-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
XXXX misled me throughout the handling of a billing dispute and allowed a {$100.00} collection account to be reported to my credit file after assuring me the issue was resolved. This has resulted in a XXXXpoint drop in my credit score, despite XXXX admitting fault and applying a credit that left no outstanding balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Company Complained Against : National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complaint Summary : I am filing this complaint against National Credit Systems , Inc. ( NCS ) regarding an alleged debt they are attempting to collect. NCS is reporting this debt to the credit bureaus and contacting me for payment.

I dispute this debt in full because I am not contractually liable for the obligation they are attempting to collect. The alleged debt arises from a lease/rental account. I was not a party to this lease, nor did I sign any agreement that assigns me financial liability.

Under the legal principle of vicarious liability, an individual can not be held responsible for another partys financial obligations unless a legally binding agreement exists that clearly assigns such liability. NCS has failed to provide such proof.

Violations/Concerns : 1. Failure to Validate Debt : NCS has not provided a copy of the original signed contract, itemized accounting, or documentation proving I am legally liable for the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

2. Improper Credit Reporting : Despite lacking proof of liability, NCS continues to report this debt to the credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ), which requires accuracy and completeness in credit reporting.

3. Unfair Collection Practices : Attempting to collect from me without proof of my responsibility for the debt constitutes a deceptive collection practice under the FDCPA.

Requested Resolution : Remove this account from all consumer reporting agencies ( Experian, Equifax, TransUnion ) immediately.

Cease all collection activity on this account unless NCS can provide documented evidence of my direct liability ( a signed contract/lease agreement bearing my name and signature ).

Provide written confirmation that NCS will no longer pursue collection of this disputed debt.

I respectfully request that the CFPB review this matter and take appropriate regulatory action to ensure NCS complies with federal law. 


NATIONAL CREDIT SYSTEM Original creditor : XXXX XXXXXXXX XXXX Account number XXXX Balance {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-08-31 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date : XX/XX/XXXX TO : TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Demand to Block and Remove Unauthorized Hard Inquiries Pursuant to FCRA Section 605B / 15 U.S.C. 1681c-2 To Whom It May Concern : I am writing to formally dispute and demand the immediate removal and permanent blocking of the following unauthorized hard inquiries on my credit file, as allowed under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, also known as Section 605B. 

The following inquiries were not authorized by me, and I have strong reason to believe they are the result of identity theft or fraudulent activity : 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 XXXXXX/XX/XXXX Pursuant to FCRA Section 605B , you are required to block and remove any information resulting from identity theft within four ( 4 ) business days of receiving a request, proper identification, and a report of identity theft. 

Please be advised : I am exercising my right under federal law to have these inquiries removed. 

You are legally obligated to act within 4 business days under 15 U.S.C. 1681c-2.

Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), my states Attorney General, and, if necessary, legal action under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 

Enclosed Documents ( as required ) : A copy of my government-issued photo ID A recent utility bill or bank statement showing my current address A copy of a police report or FTC Identity Theft Affidavit ( filed via www.identitytheft.gov ) I demand written confirmation within 7 calendar days that these inquiries have been permanently removed and blocked from my credit file. 

Sincerely, XXXX XXXX XXXX ( last 4 digits ) : XXXX XXXX : 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 2025-08-31 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: NC

Complaint narrative:
I am a victim of identity theft and credit file pollution. Multiple accounts and hard inquiries appear on my reports that I did not authorize, open, or benefit from. These items are fraudulent and continue to harm my credit despite filing a police report ( XXXX XXXX XXXX XXXX XXXX # XXXX, XX/XX/XXXX ). This violates the Fair Credit Reporting Act ( FCRA ) 1681i, 1681s-2 ( b ), and 1681c. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$340.00} Collection ( XX/XX/XXXX ) XXXX XXXX ( Deposit-related ) {$370.00}, {$320.00}, {$48.00} Charged-off ( XX/XX/XXXX ) XXXX XXXX ( Secured Card ) {$690.00} Charged-off ( XX/XX/XXXX ) XXXX XXXX  ( Revolving ) {$42.00} Charged-off ( XX/XX/XXXX ) XXXX XXXX  ( Installment ) {$0.00} Closed ; XXXX late ( XXXX ) XXXX XXXX {$0.00} Paid charge-off / settled XXXX full ( XX/XX/XXXX ) XXXX XXXX ( Cards ) {$0.00} Closed ; history of 60d late ( XX/XX/XXXX ) Unauthorized Inquiries ( 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 non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting for my information to be taken off of all three credit bearues I did not give my permission I am also requesting for a cease and desist as for I have been a victim of fraud and identity thefth along with all inquriys from all three credit beureus to be taken off my credit I did not authorize this please take these things off

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