vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was contacted on XX/XX/year> from a scam XXXX. I should have been smarted with this, but I still fell for it. They allegedly contacted me from Chase and allegedly sent me to XXXX for a bad transaction. The phone number used was a Chase number, so I had no reason to doubt that it wasn't Chase. They said they someone tried to use my phone number to send money to someone. They needed me to send money to stop the payment. I should have hung up the phone at that point. I put the transaction through with a code that they specified. Once again, I believe they were calling from Chase and XXXX. I feel that either Chase or XXXX should have flagged this transaction. I don't use XXXX that often. When I do, it is typically less than {$100.00}. Chase should have flagged this as unusual behavior. I've had credit card companies contact me when I use my credit card at a XXXX or out of town and have a large transaction. They want to make sure that it is me. These scam artist stole my money and my bank is just saying you authorized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
Under the FCRA, you are required to block and remove this information within * XXXX business days *. Please confirm in writing once the fraudulent information has been deleted from my credit report. 
Failure to comply will result in further action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and my state attorney generals office. Fraudulent accounts can be removed by referencing 15 USC 1681c-2 and related laws. 
The Four-Day Rule Under 15 USC 1681c2, CRAs must block and remove fraudulent information within four business days of receiving a properly documented request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
In 2010, I co-signed the mortgage on a property with my husband XXXX XXXX XXXX for {$180000.00}. While I was in New York caring for a sick friend, XXXX XXXX asked me to sign a XXXX XXXX  for the property and proceeded to have overnight mailed to me for signature. I refused to sign it ( which I still have-unsigned ) After that, without my knowledge or consent, XXXX XXXX later sold the property while falsely representing himself as a single man on the Warranty Deed, even though we were legally married at the time. I never signed any XXXX XXXX  or other document releasing my ownership rights. 

XXXX XXXX XXXX handled the sale and processed the deed despite the false marital status. The mortgage release was later processed through Nationstar Mortgage/Mr. Cooper, but this was done without my authorization, even though I am a co-borrower. I attempted to contact XXXX XXXX XXXX and was told the matter would be reviewed by underwriting, but I never received any response or resolution. 

This unauthorized sale deprived me of my ownership interest in the property and was based on false representations in the closing documents. I am requesting investigation and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: ENCORE CAPITAL GROUP INC.
State: NH

Complaint narrative:
The harnessing phone calls multiple times a day, giving me a a deadline before they take me to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
Mohela is my loan service and I am having a problem with them send the money that the department of Education already told that is owe to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
My PayPal account [ XXXX ] was permanently limited on [ over 1 year ago ]. PayPal informed me that the funds would be held for 180 days and, after that period, I would be able to withdraw the remaining balance.

I patiently waited until the 180-day period ende, I received an email from PayPal confirming that my funds were eligible for withdrawal. However, when I attempted to withdraw, PayPal refused. Later, I was told that the email was sent in error and that I would never be allowed to withdraw my money.

The current balance being withheld is [ {$13000.00} ]. I have contacted PayPal support multiple times, but they continue to state that the decision is final and provide no legal or policy basis for keeping my funds indefinitely.

This action is extremely unfair and contradicts PayPals own policy, which states that after 180 days account holders should be able to withdraw their funds. I am requesting CFPBs assistance to compel PayPal to release my money and provide a clear explanation for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
I am disputing the reporting status of certain charge-off accounts listed on my credit report as Profit and Loss Write-Off or Charge-Off. No IRS Form 1099-C has been issued for these accounts, indicating that the debts have not been officially forgiven or cancelled. According to IRS regulations, creditors must issue a Form 1099-C for cancelled debts of {$600.00} or more to both the consumer and the IRS.

The continued negative reporting of these accounts without proper documentation or collection activity is misleading and damaging to my credit standing. I am requesting the removal of the following charge-off accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$21000.00} * * XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$16000.00} * *

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 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
This company is calling at all hours on XX/XX/year> they was calling my cellphone at XXXX am they called about XXXX times. I have the numbered blocked through XXXX and marked as Spam and they'd call from a different number. Using XXXX I was about figure out it was XXXX XXXX. They call my husband and they've called my aunt. I have included the past requested they did not call extended numbers. They have even sent mail to my mother in laws home. Im not sure how they get all this information but this is insane.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: GA

Complaint narrative:
I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$0.00} Account Name : XXXXDOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$3000.00} Account Name : XXXX/DOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX - Balance {$1700.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint regarding an inaccurate late payment reported by Capital One on my credit report. 

On XX/XX/year>, I made a {$300.00} payment using my correct account information, and on XX/XX/year>, I received an email confirmation of that payment, which gave me confidence that the transaction had been processed. Later, I discovered that the payment was never completed due to a system error beyond my control. 

Despite this, Capital One reported my account as XXXX days late on XX/XX/year>. This is inaccurate, because I had already attempted to pay on time and had confirmation of my effort. 

On XX/XX/year>, I attempted again to make the payment through XXXX XXXX XXXXXXXX, but that transaction was also rejected. Finally, on XX/XX/year>, I successfully completed the payment through XXXX. 

I contacted Capital One directly and even submitted a goodwill/dispute letter explaining the situation and providing evidence. However, their response was dismissive and failed to properly address the facts. 

I have been a loyal customer for over XXXX years and have never missed a payment before. This isolated issue does not reflect my payment habits or financial responsibility. 

This incorrect reporting is now causing serious harm to my credit standing and limiting my financial opportunities. I respectfully request that the CFPB investigate this matter and require Capital One to correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: IL

Complaint narrative:
These entries were fraudulently opened and do not belong to me. Ive already provided the FTC Identity Theft Report and proper supporting documentation. Under FCRA Section XXXXB, these accounts must be blocked and deleted. The continued reporting of this fraudulent information is unlawful. Please act immediately to remove these items from my credit file. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} 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/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>

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 2025-08-29 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: IL

Complaint narrative:
These entries were fraudulently opened and do not belong to me. Ive already provided the FTC Identity Theft Report and proper supporting documentation. Under FCRA Section XXXXB, these accounts must be blocked and deleted. The continued reporting of this fraudulent information is unlawful. Please act immediately to remove these items from my credit file. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} 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/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am the owner of XXXX XXXX XXXX, a licensed small business in XXXX, CA. On XX/XX/year>2025, I opened a business checking account with Chase. In just three months, Chase has blocked my account twice without proper explanation. 

The first freeze happened in XX/XX/year>2025, when a client issued a check with a clerical error in the payee name. Instead of holding or rejecting the check, Chase froze my entire account for over two weeks, blocking about {$15000.00}. Both I and my client provided clarifications, but Chase gave contradictory instructions. Payroll and tax payments were delayed, contracts were lost, and I had to borrow money. 

On XX/XX/year>2025, Chase again froze all of my accounts after I separated my personal and business profiles due to system glitches. This time, more than {$20000.00} was frozen. I urgently need at least {$8000.00} for materials to complete active projects, but Chase refuses access and only tells me to wait 10 days. 

Chases actions are disproportionate, harmful, and lack transparency. I request immediate release of funds, a full written explanation, and a regulatory review of Chases practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, and XXXX XXXX  I sent an email and to MoneyLion and a written letter disputing an alleged obligation and requesting validation. To date, they have failed to respond. 
On XX/XX/year>, I received a Notice of Liquidation and Surplus ( or Deficiency ) from MoneyLion, claiming I defaulted on a loan and now owe {$100.00}. This is misleading and inaccurate, because the account in question was not a traditional loan as portrayed. It was a credit reserve/credit account arrangement, and MoneyLions description of it as a loan misrepresents the nature of the product and my obligations.

Despite my dispute and request for validation, MoneyLion has attempted to collect and has threatened to report negative information to credit bureaus.

Why this is a problem : Under the FDCPA ( 15 U.S.C. 1692g ), collection activity must stop until debt validation is provided. MoneyLion ignored this. Under the FCRA ( 15 U.S.C. 1681s-2 ), fu
rnishers must investigate disputes before reporting to credit bureaus. MoneyLion ignored my written dispute.

Misrepresenting the account as a loan when it was not constitutes deceptive and misleading practices.

Attempting to collect a disputed and unverified deficiency is unlawful.

Their misrepresentation and failure to respond has caused confusion, stress, and the risk of credit damage. 
I reserve the right to seek damages under the FDCPA and FCRA, including statutory damages ( up to {$1000.00} per violation ), actual damages, court costs, and attorneys fees

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
I am filing a follow-up complaint against Bull City Financial Solutions fo

r continuing to violate the Fair Credit Reporting Act ( FCRA ).

This company claimed in my first complaint that they mailed me validation of the alleged debt ( Acct XXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$450.00}, XXXX XXXX Florida ). It has been over 30 days and I have never received anything at my address on file. That means their response to my first CFPB complaint was false and misleading.

Meanwhile, Bull City continues to report this collection account to XXXX XXXX XXXX XXXX  without giving me a single shred of proof. To report a debt without mailing me proper validation is outrageous, reckless, and unlawful.

The Law 15 U.S.C. 1681i ( FCRA 611 ) : Credit reporting must be reinvestigated and verified within 30 days. Over 30 days have passed and Bull City has failed to provide anything.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If an account can not be verified, it must be deleted not updated or left as remains.

15 U.S.C. 1681i ( a ) ( 7 ) : I never received a description of the procedure used to verify this account, as the law requires.

15 U.S.C. 1681e ( b ) : They are not ensuring maximum possible accuracy.

15 U.S.C. 1681s-2 ( b ) : As a furnisher, Bull City is required to investigate and delete unverifiable data when notified.
They have ignored this.

15 U.S.C. 1681n & 1681o : Their failure to comply subjects them to civil liability for negligent and willful noncompliance, and I am prepared to pursue a federal lawsuit if this is not corrected.

My Demands 1. Delete this unverifiable collection account from all credit bureaus immediately. 
XXXX. Provide lawful validation if they believe they have any this must include : A wet-ink signature contract with the original creditor, and A valid assignment agreement or bill of sale proving Bull Citys right to collect and report this account.

Without this documentation, Bull City has no legal right to continue reporting this debt. Their behavior is harming my life and opportunities, and I will not hesitate to file lawsuits in federal court if they do not comply.

Final Note Once again, under 15 U.S.C. 1681i ( a ) ( 7 ), I am demanding the description of the procedure used to verify this account. Bull City has not provided this, and their failure to do so is further evidence of noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
XXXX XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief