vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
M & T increased my mortgage and are charging me back taxes. They are doing this because they say that I have not paid taxes since I purchased my house. This is incorrect, because I already submitted this paperwork, and M & T already discounted my monthly mortgage rate because of the paperwork I already submitted several years ago. I am a 100 % XXXX veteran and I receive tax benefits because of it. After a recent audit from XX/XX/year>, M & T says that they no longer have the paperwork ( or NEVER received it ) that I submitted several years ago when I purchased my house. After learning all of this information because M & T already stole the money out of my personal checking account, I recently resubmitted all of the paperwork again. I have had several, several conversations with customer service over several hours over these past weeks ( months ). I keep getting past from one department to the next, to one agent to the next, and no one is helping me resolve this issue. M & T is blaming me And says this is my fault because of what I supposedly told them viaa phone conversation several years ago. M & T says this is all my fault and that theres nothing I can do and that my mortgage will be at this higher rate ( several XXXX XXXX  increase ) and they have already started taking money out of my personal checking account to pay for the back taxes. I resubmitted paperwork that I went and just got from my XXXX  showing all of my tax credits that I should be receiving. I submitted this several weeks ago, and I am still being told there is no change.

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 2025-10-12 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

Complaint narrative:
Access to my PayPal account is currently impossible because SMS verification messages are not being delivered to mobile phones in XXXX. Since this step is part of the user identification process, it prevents users from completing verification and accessing their accounts and funds. 

Through both phone and email communication with PayPal, I have realised that they are aware of this issue and that many users from XXXX have reported the same problem. However, no action has been taken to resolve it. 

I am therefore writing to the U.S. authorities to request assistance in ensuring that this matter is properly addressed and that I can regain access to my PayPal account. 

Thank you for your attention. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: WA

Complaint narrative:
Jefferson Capital Systems , LLC is reporting a collection account for an alleged XXXX XXXX debt on my credit report. 

Before accepting the accuracy of this reporting, I am requesting verification that Jefferson Capital Systems is properly licensed and authorized to collect debts in the State of Washington, as required by RCW 19.16.110 and RCW 19.16.120, which prohibit any company from collecting or attempting to collect debts in Washington without first obtaining a valid state collection-agency license.

I have not received documentation showing that Jefferson Capital Systems currently holds such a license or that it is lawfully authorized to collect or furnish credit information for this account. Because unlicensed or unauthorized collection activity would make any related credit reporting inaccurate under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i ( a ) ( 1 ) ( A ) ) and potentially deceptive under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ( 2 ) ( A ), 1692e ( 10 ) ), I am asking the CFPB to review this matter for compliance and accuracy.

I also request that this complaint be referred to the Washington State Attorney Generals Office, Consumer Protection Division, and the Washington State Department of Licensing, which regulate and enforce compliance with RCW 19.16 and RCW 19.182.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I SENT ALL BUREAUS : This letter serves as a formal dispute and demand for full validation of the alleged debt you claim I owe. Pursuant to 15 U.S.C. 1692g ( FDCPA ), 15 U.S.C. 1681s-2 ( FCRA ), and current CFPB and FTC consumer protection laws, you are required to provide strict proof of ownership and authority to collect.

Within 15 days of receipt, provide the complete Bill of Sale, Transfer or Assignment, and any Purchase Agreements verifying lawful ownership of this account. Include the original signed contract between myself and the original creditor, full payment history, and itemized accounting verified under oath.

Failure to produce these documents or to verify the debt accurately will constitute willful noncompliance under 15 U.S.C. 1681n and 1692k, resulting in civil penalties and escalation with the CFPB, FTC, and State Attorney General.

If you can not provide complete proof, you are required to immediately delete and cease all reporting with Equifax, XXXX, and XXXX. Continued reporting of unverified information is a violation of federal law. 
ALL CREDIT BUREAUS FAILED to protect my identity and my information from being breached/Stolen and compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Tesla, Inc.

Complaint narrative:
XXXX XXXX XXXX on XXXX XXXX to XXXX eligible to end vehicle lease early without penalty. Leasing team at Tesla acknowledges that under the SCRA, I am only responsible for excess wear & tear ( {$0.00} ), dispositions fee ( {$390.00} ), and excess mileage ( paid ). I made sure there is mutual understanding before I turned-in the vehicle and requested early termination. Upon doing so, I have been receiving auto-generated email for a {$6000.00} fee while three Lease Maturity Specialists pushed it off to one another without resolving this issue. My last auto-generated email from the leasing team ( XXXX ) was a notice to send my case to a collections agency. 
Below is a chronologic order of events with written responses from Tesla. All transcripts in attachment. 

XX/XX/year> - Request for Early Lease Termination under XXXX XXXX XXXX orders to XXXX sent to XXXX XX/XX/year> XXXX XXXX XXXX ( Lease Maturity Specialist # XXXX ) Yes, for any SCRA cases we will waive the remaining payments, and you will be responsible for the over mileage, excess wear and tear and dispositions fee ( {$390.00} + tax ). Purchased XXXX additional miles. Confirmed proper location of vehicle turn-in. 

XX/XX/year>- Early Lease Termination Request processed through Tesla app. 

XX/XX/year> - Lease-end Vehicle Inspection, turn-in completed at XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( inspector ) sends No excess wear & tear invoice of {$0.00}. 

XX/XX/year> - Auto-generated email from XXXX XXXX for {$6000.00} as final invoice. 
XX/XX/year>- XXXX XXXX ( XXXX XXXX XXXX # XXXX ) Please be patient as we work on making the necessary adjustments to your account. Sent PCS orders to XXXX as requested. 

XX/XX/year>- XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) Your documents have been submitted for review. Please note under SCRA you are only resonsible for Excess wear and tear costs ( {$0.00} ) and the disposition fee ( {$390.00} + tax ). 

XX/XX/year> - Auto-generated email Assignment to Third-Party Collection Agency for {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Spoke to Equifax numerous times, they were unable to identify me. They somehow identified the person who accessed my account and opened 3 cards. Also allowed a freeze to be placed. I am unable to get into my account to dispute anything. Can not lift the freeze, and have lost number of financial assistance. Also, my score has dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: NY

Complaint narrative:
, Equifax, I am writing to you for the umpteenth time regarding the fraudulent accounts on my credit report. I have previously sent you multiple letters along with supporting documentation such as FTC reports, a police report, and an identity theft victim complaint and affidavit. Despite my repeated efforts, the inaccurate information continues to negatively impact my credit profile. 

As a consumer protected by the Fair Credit Reporting Act ( FCRA ) under 605B ( 15 U.S.C. 1681c-2 ), of Account from XXXX XXXX XXXX whit was open XX/XX/year> I am formally requesting that you block all accounts that are a result of identity theft or fraudulent activity. It is imperative that you take immediate action to rectify this situation and prevent any further harm to my creditworthiness. 

I urge you to thoroughly investigate the information provided and take the necessary steps to ensure that my credit report is accurate and reflective of my true financial history. Failure to comply with the provisions of the FCRA could result in legal action against your organizations. 

I appreciate your prompt attention to this matter and expect a swift resolution. Please confirm in writing once the fraudulent accounts have been blocked from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I state that the cause of my complaint is the freezing of my wallet carried out by the Coinbase XXXX XXXX XXXX, based on the notification of XXXX emails that I received from the account XXXX on the following dates : XX/XX/year>, XX/XX/year> and XX/XX/year>. 

In this context, I state that my intention is for Coinbase to carry out an investigation to find out why the Technical Support Team did not comply with the restoration of my account and the release of my balance, despite the fact that there was never a report of suspicious activity that violates XXXX regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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:
In accordance with the Fair Credit Reporting act. The List of inquires below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


INQURIES 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 I looked at my Transunion credit report and see that some things are not accurate .

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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 2025-10-12 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: VA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: OM Financial, LLC
State: IA

Complaint narrative:
No payment will be to coming out of my account. I never received money nor did I confirm this company of any type of loan They forged my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-10-12 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: VA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-10-12 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: NY

Complaint narrative:
XXXX has reported inaccurate payment information on my account. Ive made all payments on time, including my XXXX payment, but they have failed to report it correctly. This misreporting negatively affects my credit history. 

This violates 15 U.S. Code 1681i, which requires consumer reporting agencies to investigate and correct inaccurate or incomplete information in a consumers file.

I am requesting that this inaccuracy be investigated and corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX  has reported inaccurate payment information on my account. Ive made all payments on time, including my XXXX payment, but they have failed to report it correctly. This misreporting negatively affects my credit history.

This violates 15 U.S. Code 1681i, which requires consumer reporting agencies to investigate and correct inaccurate or incomplete information in a consumers file.

I am requesting that this inaccuracy be investigated and corrected immediately.

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 2025-10-12 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: Atlantic Recovery Solutions LLC
State: MI

Complaint narrative:
I was contacted by text by XXXX, on XX/XX/XXXX at XXXX XXXX, about a personal loan debt that I have put into debt consolidation program ( XXXX ). I called the phone number provided and explained to the XXXX agent that it was being handled by by XXXX. They said they don't deal with them and push to try to make me make a payment. I also told them that the balance that they trying collect is incorrect and I have a documented balance less than they are trying to collect. I put on hold then put on with a supervisor who again offered me a settlement payment, told me the company that was negotiating in my behalf was a scam. Then threatened to sue me and garnish my wages if I did not come up with something by XXXX XX/XX/XXXX. I have received multiple texts, and no written communication ( XXXX ) XXXX XX/XX/year> ( XXXX ) XXXX XX/XX/year> ( XXXX ) XXXX XX/XX/year> ( XXXX ) XXXX XX/XX/year> ( XXXX ) XXXX XX/XX/year> ( XXXX ) XXXX XX/XX/year> ( XXXX ) XXXX XX/XX/year> The texts are all the same from different numbers, none properly identified from the company

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My credit report is showing closed accounts with inaccurate information for example they are reporting current balances over XXXX $ for accounts that I have come to and agreement with either a partial payment to settle a debt or a charge offs that I am no longer responsible for and some accounts didnt even report my payment status through out the entire time I made payments but closed the account with out reporting all my payments made on time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
At least 3 years ago, I closed my American Express XXXX XXXX account, destroyed fhe card and have not made any purchases for 3 years. 

For three years, on a monthly basis, AE sends me a statement that I have an outstanding late fee that must be paid.The first couple of times this occurred, I paid the fee which was less the {$10.00}.

But the statements kept coming each month and have continued for 3 years.

At least 5 times, I have contacted AE customer service about the problem. Each time the AE customer service representiive said that they removed the late fee and my account had a XXXX balance. 
But in a month another statement arrives saying that I still have a late fee balance. 

I have tried talking to AE customer service senior management but the same thing always recurrers. 

PLEASE HELP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-12 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: MD

Complaint narrative:
I reviewed my credit report and found several hard inquiries that do not belong to me and were made without my authorization. These inquiries are negatively affecting my credit score and were not initiated by me. 
I have never applied for credit with the companies listed in these inquiries, nor did I give permission for my credit report to be accessed Hard inquiries Equifax XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX inquiries XXXX XXXX  Inquiry date : XX/XX/XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/year> XXXX XXXX Inquiry date : XX/XX/year> XXXX XXXX  Inquiry date : XX/XX/year> XXXX XXXX  Inquiry date : XX/XX/year> XXXX XXXX  Inquiry date : XX/XX/year> XXXX XXXX Inquiry date : XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief