vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I tried to use my debit card at a gas station however my card was locked for an unauthorized transaction that I did not make. I called the bank to see why my card was locked and they told me it was due to a transaction that needed manual approval. They approved about XXXX XXXX {$2000.00} worth of unauthorized transactions. The bank told me they would issue credit ion about XXXX hours however I have still not received it. This report was made about 5 days ago from XX/XX/XXXX. I got a new card and before I even activated it, it had a few purchases made on it already prior to it being activated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: FL

Complaint narrative:
I noticed that both XXXX  and TransUnion are reporting different and inconsistent late payment dates for my XXXX XXXX credit card account that was opened in XX/XX/year>. According to my payment history and records, I have made my payments on time, and my account is currently reported as Current. 

However, the two credit bureaus list different months as late payments one bureau shows late payments in certain months while the other reports those same months as on-time. This inconsistency indicates that at least one of the reports is inaccurate or unverifiable. 

I contacted XXXX XXXX to confirm my payment history and verified that my payments have been made as agreed. Since both credit bureaus are showing conflicting data, I am requesting that the inaccurate late payment information be investigated and corrected or removed so that my payment history is accurately reflected across all credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
I have reason to believe that my personal information may have been compromised as a result of the recent TransUnion data breach. This is very concerning under the Fair Credit Reporting Act, because it shows a failure to maintain reasonable procedures to ensure the accuracy and confidentiality of consumer data. Under my rights provided by the FCRAspecifically sections 602, 607, and 611as well as the Gramm-Leach-Bliley Act, I am requesting the immediate deletion of any accounts, inquiries, or records on my file that can not be fully and independently verified by me personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account XXXX XXXXXXXX as soon as possible from my credit report and cease all reporting. Or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I sent {$500.00} through Cash App to a restaurant to book a birthday reservation. Unfortunately, I had to cancel the reservation due to a family emergency. I immediately contacted the restaurant, and they informed me that although I could cancel, they would not issue a refund. 

After that, I contacted Cash App support to request assistance in disputing the transaction or recovering my funds. However, Cash App repeatedly told me to contact the merchant, which I had already done. The merchant has made it clear they will not issue a refund. 

I believe Cash App should take further action or provide buyer protection and dispute resolution, as I have already followed their instructions and the merchant is unresponsive. The {$500.00} charge remains unresolved, and I feel that Cash App has failed to provide appropriate support or consumer protection for this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I did not give written expressed or implied consent for Portfolio Recovery Associates to report absolutely anything on my private credit report. They are now in violation of the Fair Credit Reporting Act ( FCRA ), VIOLATION OF STATE AND FEDERAL LAW, 15 U.S. Code 1681b Permissible Purposes of Consumer Reports, No Given Consent, 15 U.S. Code 1681s-2 Responsibilities of Furnishers of Information I am the original creditor that funded this private account with XXXX XXXX XXXX XXXX Portfolio Recovery Associates business has confessed to purchasing consumer charged off debts from original creditors and subsequently illegally attempt, harass and solicit payment, absent any agreement or consent to contact the consumer proving a severe violation of 15 USC 1592e. There is no customer relationship in this situation, I am not a customer of this company nor did this company sell my consumer anything, nor have I received any XXXX forms from XXXX XXXX XXXX XXXX showing that this debt was cancelled. I am aware that your company buys debt. Debt is an asset and it belongs to the original creditor. I am the original creditor. Return to me immediately this debt as it is against the Law to sell or buy any account that belongs to the holder in due course. I will be following up with acquiring this debt asset. Absolutely NO CONSENT was given to share my non-personal information to any affiliated parties. Portfolio Recovery Associates , Inc. has treated my consumer as an employee by using the XXXX without proper verification required by submitting the XXXX XXXX form. I do not have an employer employee relationship agreement with this corporation. I do not consent to contract with your company Portfolio Recovery Associates XXXX XXXX XXXX XXXX : XXXX as this entire matter was only between XXXX parties XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I will be enforcing legal punishment for violations of Trust Fraud against XXXX XXXX XXXX XXXX as a very heinous and severe violation of Anti-Trust Laws has occurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams & Fudge, Inc
State: SC

Complaint narrative:
I am a victim of identity theft and data breaches violates this section 605B and 611 please remove inaccurate information in 4 business days Under Section 605B, please validated and remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a highly frustrating and misleading experience I had with Capital One during an attempted auto loan refinance. Refinance # XXXX. 
I applied for a car refinance with Capital One and promptly provided all the requested documentation, including bank statements. Despite this, I continued to receive repeated emails stating that additional statements were needed. Emails that appeared to disregard what I had already submitted.

To try and resolve the issue, I called Capital One multiple times. Each time, I was transferred from one representative to another, and it became clear that no one seemed to fully understand or track the status of my application. Over the phone, I was even told that nothing more was needed from me. Despite that assurance, the application never progressed, and I was left without any meaningful resolution. 
This entire process was a complete waste of my time. Worse, Capital One performed a hard inquiry on my credit report as part of this application. That inquiry negatively impacted my credit score, even though the failure to complete the application was due to their internal incompetence, not my actions. 
I am deeply frustrated by the lack of clarity, poor communication, and inefficient handling of my refinance request. The process felt disorganized and unprofessional from beginning to end. I regret ever applying with Capital One.

Given the time I lost, the stress I endured, and the damage done to my credit score, I am requesting appropriate compensation for the inconvenience and financial impact I have suffered as a direct result of Capital One 's mishandling of this process. 
Thank you for your attention to this matter. I hope that this complaint will prompt Capital One to improve its customer service and accountability going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: NV

Complaint narrative:
My car was paid off due to an accident with a drunk driver. I had Gap insurance and the car was completely paid I even got a new car from same compant yet they reported late payments months after the matter had been resolved, when I complained they told me it takles their system a few months to catch up but all had been paid i even got a refund for making a payment after accident. I have co plained for years and they refuse to do anything to help me. Please help remove these items from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: KY

Complaint narrative:
This letter serves as my second formal complaint and follow-up dispute regarding inaccurate information that TransUnion continues to report in violation of the Fair Credit Reporting Act ( FCRA ).

I previously disputed the reporting of the account listed below, and TransUnion has failed to provide any evidence of proper verification or certification from the furnisher as required by 15 U.S.C. 1681i and 1681s-2. Failure to verify and continued reporting of false information constitute a clear breach of federal law.

Additionally, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), I maintain my fundamental right to the privacy of my financial information. No permissible purpose exists under 15 U.S.C. 1681b ( 2 ) for TransUnion to maintain this erroneous data.

The presence of inaccurate, unverifiable information is damaging my credit standing and financial stability. TransUnions lack of compliance and failure to investigate appropriately now warrants immediate deletion of the item. 

ACCOUNT IN DISPUTE XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Closed Payment Status : Collection / Charge-off Creditor Remarks : Payment after charge-off / collection Purchased by another lender. 

Past Due Amount : {$0.00} Credit Limit : {$0.00} Violations : 15 U.S.C. 1681s-2 Reporting of inaccurate and unverifiable information. This account is marked Closed yet continues to show a derogatory charge-off status and contradictory remarks. No verifiable evidence has been provided to substantiate the debt.

Action Required : Immediate removal of this account from my TransUnion credit report.

LEGAL REFERENCES 15 U.S.C. 1681i Duty to reinvestigate disputed information promptly and accurately.

15 U.S.C. 1681s-2 Prohibition of reporting information known to be inaccurate or unverifiable.

15 U.S.C. 1681b Lack of permissible purpose to maintain or share unverified information.

18 U.S.C. 1028A Criminal penalties for misuse of consumer information.

RESOLUTION DEMAND TransUnion is hereby formally ordered to delete and block the above-referenced account from my credit file immediately. If TransUnion can not provide the original signed contract or a certified verification from the furnisher within 30 days, this entry must be removed without delay in accordance with FCRA 611 ( a ) ( 5 ) ( A ).

Failure to comply will result in further action with the State Attorney General, Federal Trade Commission, and civil litigation for damages and willful non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
b'I kindly request the Consumer Financial Protection Bureau (CFPB) to assist me in the removal of unauthorized and fraudulent items from my credit file, which were opened without my consent. Your support in rectifying these fraudulent entries would significantly enhance the accuracy of my credit report. I appreciate your assistance and hope that, with your help, the fraudulent items will be permanently removed in the next update. Thank you for your attention to this matter.\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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: NV

Complaint narrative:
b'I kindly request the Consumer Financial Protection Bureau (CFPB) to assist me in the removal of unauthorized and fraudulent items from my credit file, which were opened without my consent. Your support in rectifying these fraudulent entries would significantly enhance the accuracy of my credit report. I appreciate your assistance and hope that, with your help, the fraudulent items will be permanently removed in the next update. Thank you for your attention to this matter.\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 2025-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I received a notification on my credit report saying that I had a collection for {$200.00} from this company, claiming that I had a debt with XXXX, which I do not recall. Not only did they put this collection on my credit report. They did it without issuing me a Dunning letter giving me 30 days to dispute the debt before putting it on my credit report. Also, this company does not have a license to collect debt in Texas which i have a screenshot of. I am aware of my rights according to the FDCPA, 15 U.S.C. 1692g ( a ), a debt collector must send you a written notice within 5 days after their first communication with you ( unless that first contact was already in writing and contained all the required disclosures ). 

That notice must include : The amount of the debt The name of the creditor A statement of your right to dispute the debt within 30 days A statement that theyll obtain verification if you dispute The name and address of the original creditor ( if different ) If a collector calls or texts first and never mails or delivers that notice within 5 days, theyve violated 1692g ( a ). This debt collector did not do any of the above never sent me a letter because had they did so I wouldve disputed it and they put this on my credit report without allowing me to opportunity to dispute. They attempted to contact via text which is a violation without sending a dunning letter which i never received. if this company does not remove this debt from my credit report immediately i will be pursuing legal action against them!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I purchased products totaling {$540.00} from XXXX XXXX XXXX XXXX XXXX ) using my American Express XXXX XXXX XXXX XXXX. The order was shipped through XXXX, but I never received the goods. 

However, XXXX tracking status marked the package as delivered on XX/XX/XXXX, accompanied by a forged signature that is not mine. There was no photo evidence, no GPS delivery data, and no proof that the package was actually received by me. 

I first contacted The XXXX XXXX, but they refused to assist and told me to contact my bank/carrier for help. I then filed a dispute with American Express in XX/XX/XXXX, explaining that the XXXX  delivery record was fraudulent. Amex denied the dispute, stating that the merchant ( The XXXX XXXX ) had provided proof of delivery. 

After being denied, I contacted both XXXX and The XXXX XXXX multiple times. 

XXXX refused to investigate the forged signature, simply stating that I am not the sender or the payor of transportation charges. 

The XXXX XXXX refused to issue a refund or replacement, insisting that delivery was completed and advising me to contact my bank or XXXX. 

American Express, when I reopened the case on XX/XX/XXXX ( Ref. No. XXXX ), again closed it on XX/XX/XXXX, using the same reasoning : that the merchant confirmed delivery. 

In short, all three companies are deflecting responsibility : XXXX provided a fraudulent or incomplete delivery record but refused to correct it. 

The XXXX XXXX refuses to refund or verify the authenticity of the delivery. 

American Express refuses to protect the consumer, relying solely on the merchants claim without reviewing the validity of XXXX documentation. 

This has left me with no recourse and no product, while still being charged {$540.00}. The entire process shows a failure of due diligence among all three parties the merchant, the carrier, and the card issuer resulting in financial harm to the consumer despite clear evidence of a forged delivery signature and lack of actual delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
We identified identify theft on XX/XX/year>. Someone stole our identity which includes SSN, Name, DOB, etc to open 4 store credit cards- XXXXXX/XX/XXXXXX/XX/XXXX 
They used the temporary card to do shopping. We got to know when we received credit cards at our home that we didn't even apply for. When we checked out credit reports there were multiple hard pulls on the report that led to other credit cards discovery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
Unauthorized debt collectors accusing me of a false account that I never had with them. 

Transworld Systems, Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Account XXXX XXXX XXXX XXXX XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation