vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Money was taken from my account incorrectly/ Fraud issue / Dispute handling I am filing a complaint against PayPal due to an incorrect dispute resolution, misclassification, and failure to follow internal policies, which resulted in wrongful withdrawal of funds from my account. I am a victim of third-party fraud, not the seller in this transaction. 

Here is what happened : A stranger contacted me on XXXX  after I posted in a Russian XXXX XXXX community group that I was looking for someone traveling from XXXX XXXX to XXXX to take a small package. The individual told me his bank card had expired and he urgently needed to send XXXX RUB to his family member. He said he would first send me the equivalent amount in USD through PayPal, and then I should forward the ruble amount to a Russian bank account. 

He sent me {$160.00} on PayPal. 

Following his instructions, I sent XXXX RUB ( approximately {$180.00} ) to the bank account he provided. Soon after I transferred the money, he disappeared and stopped responding. Only later did I discover that the same scammer had also deceived another person, XXXX XXXX XXXX, who then submitted a PayPal dispute against me. 

PayPal wrongly classified me as a seller, despite : I did not list, offer, sell, or ship any goods or services no transaction or agreement existed no product or service was discussed the money sent to me was forwarded directly to the scammer I received no financial benefit and in fact lost money ( around {$27.00} ) Instead of examining the evidence, PayPal applied the wrong dispute category ( item not received ), which is impossible because there was no item, order, or sale. 

PayPal then withdrew funds from my account, creating financial harm to me. 
This constitutes : improper dispute handling negligent misclassification failure to review evidence unjust enrichment of the claimant financial harm to an innocent consumer violation of PayPals own Seller Protection terms violation of duty of care in consumer dispute processing I submitted a detailed Executive Escalation letter to PayPal on XX/XX/XXXX, and a follow-up on XXXX XXXX PayPal did not respond at all. 

This lack of response, combined with the original mishandling, leaves me with no choice except to request regulatory review. 

I am requesting : XXXX. A formal investigation into XXXX incorrect dispute resolution XXXX. XXXX reversal of the wrongful withdrawal XXXX. Removal of seller liability assigned to me without basis XXXX. Correction of the misclassification XXXX. XXXX that PayPal properly reviews evidence in cases involving third-party fraud I am attaching screenshots showing : Telegram chat with the scammer messages confirming the claimant was also scammed my unanswered XXXX Appeal Thank you for your help in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Complaint Summary I am filing a complaint regarding misleading promotional financing terms and an unfair interest charge that was applied to my account. 

Details of the Issue In XX/XX/year>, I purchased a ring for my wife using a promotional financing offer that was presented as XXXX XXXX interest. At no point was it clearly disclosed to me that this was a deferred-interest promotion, where interest accrues in the background and is charged in full once the promotional period ends if the balance is not completely paid off. Had this been made clear, I would have paid the balance off much earlier. 

Throughout the promotional period, I made every payment on time, without exception. Despite this, I received an email stating that approximately {$1500.00} in interest had been added to my account. 

I immediately contacted customer service and explained that the deferred-interest terms were not disclosed and that I was ready to pay off the remaining balance if the accrued interest was removed. I was transferred to XXXX different supervisors, yet none were willing to reverse the interest charge. 

Actions I Have Taken To protect my credit and avoid any delinquency, I have since paid off the entire account balance in full, including the disputed interest. My credit is in excellent standing, and I did not want this situation to jeopardize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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 am filing this complaint with the Consumer Financial Protection Bureau because during my recent review of my credit reports from Experian, Equifax, and TransUnion, I discovered extensive and deeply concerning inaccuracies involving several of my accounts, each bureau reporting different dates, balances, and late-payment information that do not align with my documented financial records. My XXXX XXXX account ending in XXXX, with a balance of {$4800.00}, is reported completely differently across the bureaus : Experian lists a Date of Last Activity of XX/XX/XXXX and a Date Reported of XX/XX/XXXX, Equifax reports a Date of Last Activity of XX/XX/XXXX, and TransUnion documents XX/XX/XXXX for both fields, creating a XXXX  conflict that violates accuracy requirements. My XXXX  account ending in XXXX reflects similarly inconsistent information, with Experian showing a Date of Last Activity of XX/XX/XXXX and a XXXX late mark reported on XX/XX/XXXX, while TransUnion lists XX/XX/XXXX as both the activity and reporting date, which is impossible for the same account. The situation is even more troubling with my numerous XXXX/XXXX  student loan accounts, which appear repeatedly under different account numbers including XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX with balances ranging from {$0.00}, {$880.00}, {$2100.00}, {$2300.00}, {$2800.00}, {$2900.00}, and {$3700.00}, all reported with inconsistent Dates of Last Activity, from XX/XX/XXXX ( Experian ), XX/XX/XXXX ( Equifax ) XXXX and XX/XX/XXXX ( TransUnion ) XXXX These same XXXX accounts also show repeated XXXX late notations tied to conflicting timelines that do not match my records, reflecting a complete breakdown in accurate furnishing. In addition, my XXXX  account ending in XXXX shows inconsistent Dates of Last Activity XX/XX/XXXX in Experian, XX/XX/XXXX in Equifax, and XX/XX/XXXX in TransUnion with each bureau reporting different dates for a XXXX late, such as XX/XX/XXXX and XX/XX/XXXX, again misrepresenting the true sequence of events. Lastly, my XXXX  XXXX XXXX  account ending in XXXX is reported by Equifax with a XXXX balance, a Date of Last Activity of XX/XX/XXXX, and a XXXX late mark recorded on XX/XX/XXXX, which contradicts the verified timeline of the loans activity. These inaccuracies violate the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1666, 1666a, 1681i, 623 ( a ) ( 2 ), and 623 ( b ), as the furnishers and bureaus have failed to maintain accurate data, update information correctly, or ensure consistent reporting across all XXXX  major credit bureaus, which has caused me confusion, harm, and potential negative impacts on my creditworthiness. I have exhausted my ability to correct these issues directly with the bureaus, and I am now requesting regulatory assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IL

Complaint narrative:
I had an unauthorized transaction happen on my Chime checking account. The transaction happened on XX/XX/year> in the amount of {$76.00} with XXXX. I contacted Chime stating that I did not make that transaction for my son. When that transaction went through the XXXX was not in use. Also, I have my Chime XXXX set up to give me a notification with each purchase and I did not receive any for this transaction. I always make sure I keep my card locked to prevent anything like this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MI

Complaint narrative:
Subject : Equifax Hard Inquiry Reporting Without Permissible Purpose FCRA Violation I am disputing a hard inquiry reported by XXXX XXXX XXXX XXXX XXXX XX/XX/year> on my Equifax credit report. 

There is no open account, no credit approval, and no business relationship established from this inquiry. 

Under FCRA 604 ( a ) ( 3 ), a furnisher must have permissible purpose to access or pull my consumer report. Equifax is required under FCRA 611 & 612 to provide the method of verification, including the exact reason the lender pulled my report and the documentation provided. 

I contacted the furnisher and they could not provide any documentation proving my authorization. Equifax has continued to report this inquiry without providing the method of verification. 

Because there is no permissible purpose, and the inquiry did not result in an open account, this inquiry must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing a follow-up complaint because TransUnion did not comply with FCRA requirements. 

My original complaint requested an investigation into several hard inquiries that I did not authorize. Under FCRA 1681b, a consumer reporting agency must confirm that each inquiry has a documented permissible purpose. 

TransUnion did not provide : Permissible purpose documentation My signed authorization for each inquiry The method of verification The name and contact information of the furnisher who verified the inquiry Instead of conducting a reinvestigation as required unde

r FCRA 611 ( a ) ( 1 ), TransUnion sent a generic inquiries remain for two years statement. This does not satisfy their legal obligation to verify accuracy or provide documentation. I am requesting CFPB intervention to require TransUnion to : 1.Provide written documentation showing permissible purpose for each disputed inquiry, OR
2.Delete the inquiries for inability to verify.

This is a procedural violation of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), 607 ( b ), and 1681b, and I am requesting full enforcement.

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 2025-12-01 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:
Date Amount Action XX/XX/XXXX {$21000.00} This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile.15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

You have no permissible purpose under the law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18
U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This agency violates 15 USC 1692g. This is an official dispute of this account. I demand that the above account be deleted from my consumer report. 
XX/XX/XXXX {$5800.00} Disputed and requested removal. more than 30days and haven't received any response. 
XX/XX/XXXX {$1800.00} Disputed and requested removal. more than 30days and haven't received any response. 
XX/XX/XXXX {$5000.00} Disputed and requested removal. more than XXXX and haven't received any response. 
XX/XX/XXXX {$3000.00} Disputed and requested removal. more than 30days and haven't received any response. 
XX/XX/XXXX {$1600.00} Disputed and requested removal. more than 30days and haven't received any response. 
XX/XX/XXXX {$1600.00} Disputed and requested removal. more than 30days and haven't received any response. 
XX/XX/XXXX {$1700.00} Disputed and requested removal. more than 30days and haven't received any 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 2025-12-01 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: FL

Complaint narrative:
Date Amount Action XX/XX/XXXX {$21000.00} This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile.15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

You have no permissible purpose under the law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18
U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This agency violates 15 USC 1692g. This is an official dispute of this account. I demand that the above account be deleted from my consumer report. 
XX/XX/XXXX {$5800.00} Disputed and requested removal. more than 30days and haven't received any response. 
XX/XX/XXXX {$1800.00} Disputed and requested removal. more than 30days and haven't received any response. 
XX/XX/XXXX {$5000.00} Disputed and requested removal. more than XXXX and haven't received any response. 
XX/XX/XXXX {$3000.00} Disputed and requested removal. more than 30days and haven't received any response. 
XX/XX/XXXX {$1600.00} Disputed and requested removal. more than 30days and haven't received any response. 
XX/XX/XXXX {$1600.00} Disputed and requested removal. more than 30days and haven't received any response. 
XX/XX/XXXX {$1700.00} Disputed and requested removal. more than 30days and haven't received any 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 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX collection accounts from XXXX XXXX, XXXX XXXX, and XXXX XXXX are being reported with incomplete, inconsistent, and unverifiable information. 
Disputed Accounts : The following XXXX accounts are being disputed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account Violations include : Missing data fields Contradictory bureau reporting Duplicate account No DOFD Missing account numbers Unverifiable furnisher information

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 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am being harassed by the Midland Credit Management collection agency with calls for the amount of {$4900.00}, where they refused to send me a debt validation letter because I do not recognize any debt that I have had with this agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
b'Keep getting unwanted recorded phone calls from Protfolio recovery says there a debt collection. I do not have any debts. Other people are getting the same calls that they contacted their credit report and they said there is no debts on their credit report. \n\nBelow are the dates and numbers they keep calling even after blocking them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CLGF Holdco 1, LLC
State: UT

Complaint narrative:
I applied for this credit card ( Milestone ) but I never received it. I do not know whether it was lost in the mail, stolen from my mailbox, or never delivered by the post office. Because I never received the card, I never activated it and never made any transactions. All I know it was used. 

I contacted the financial institution a couple of times to dispute the charges. Despite explaining that I never received the card and never made the transactions, the account was sent to collections and I know have a judgment against me. I even sent the court a letter. 

This situation has been extremely frustrating because I have tried to resolve it in good faith, but the creditor did not properly investigate the fact that the card was never in my possession. I am asking for help to remove the fraudulent charges and correct the judgment because I did not make these transactions. 

The collection agency is The XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> NATIONAL CREDIT SYSTEM XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation under the FDCPA To Whom It May Concern : I am writing in regard to an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( Section 809 ), I dispute the validity of this debt in its entirety and hereby request full validation of the same.

Because this matter directly impacts my credit history, I am requesting the following documentation : 1. Proof of responsibility for the debt A copy of the original signed agreement or any document that confirms my legal obligation with the original creditor.

2. Details of the amount owed A detailed breakdown of all charges, including interest, additional fees, and payments made.

A copy of the last billing statement issued by the original creditor.

The exact balance owed at the time of transfer and any subsequent charges applied.

3. Information about the original creditor Full name and address of the original creditor.

Original account number.

The date the debt was transferred and the entity that acquired it.

4. Proof of authority to collect this debt Documentation proving your agency is legally authorized to collect this debt.

A copy of your debt collection license in my state, including license number and issuing regulatory authority.

5. Additional requested information The original due date of the debt and the date it was first considered delinquent.

Confirmation that the debt remains within the applicable statute of limitations.

Under the Fair Credit Reporting Act ( FCRA ), if you can not provide proper validation, I request that this debt be removed from my credit report. Reporting inaccurate or unvalidated information may constitute a violation of the FCRA, and I reserve the right to pursue all appropriate legal remedies.

If adequate validation is not provided within the legally required timeframe, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant state and federal authorities. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: IN

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 explanation