vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 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: MI

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/2025, a charge was made to my account from a party other than me in XXXX. It was a fraudulent charge that PayPal should have stopped -- the charge was XXXX times the amount of money I had in my PayPal account at the time. The charge was for XXXX pairs of XXXX  pants totalling {$4800.00} -- a clear red flag that PayPal should have immediately flagged and stopped. 

On the same day, I received a credit refunding all but {$140.00} of that fraudulent charge. I have contacted PayPal XXXX or more times to have them refund the missing {$140.00}. They either won't or they refuse to. Trying to reach them and deal with them over the phone is misery. Their customer support is almost non-existent and trying to reach them is extremely time-consuming. 

Because the fraudulent charge was exceedingly large, PayPal withdrew money from my linked bank account to cover the difference -- in the amount of {$4400.00}. I filed a claim with the bank of the fraudulent nature of this withdrawal. Within a few days, my bank credited me, PayPal credited me, and the original merchant credited me -- all for the amount withdrawn from my bank account, {$4400.00}. My bank assures me the case is closed. I returned the PayPal credit to PayPal, bringing my negative PayPal balance back to {$0.00}. 

Regardless of my bank telling me the case is closed, PayPal customer service reps continue to tell me the bank has not closed the case on their end and they are still investigating " the dispute '' with the bank. 

There is no dispute with the bank. The bank is whole. My checking account is whole, and PayPal is whole. What's not whole is my PayPal account from the original fraudulent charge. PayPal says they can not open a dispute with the merchant until the bank fraud claim is closed, even though I know it is. I'm out of options to get my {$140.00} back. Trying to resolve this with PayPal has already taken XXXX hours of my wife 's and my time over XXXX weeks and countless phone calls. 

I want PayPal to refund the money that was stolen from my PayPal account in the amount of {$140.00}. They have stymied every effort I have made to recover that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Bright Capital Inc
State: NY

Complaint narrative:
This company is a complete scam and the fact its allowed and not taken out yet after so many people were scammed like me is unreal. I never signed up to there subscription. I never authorized the payment they just took from my account. And when I called them they gave me a run around of we canceled your membership ( again that I never agreed or signed up for ) and we issued you a refund for the fulll amount XXXX. Then I got another agent saying 5 days later they were still waiting for my funds ach for them to send back and this is an ongoing act and I WANT MY MONEY BACK this is illegal and so many people were scammed thru bright money co

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On Thursday evening, XXXX I set up an automatic payment to occur the following morning, XXXX in the amount of {$16000.00} to my XXXX XXXX XXXX 
On XXXX, I received written confirmation from the bank, stating, " We received your {$16000.00} payment and credited your XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX account. '' I also confirmed with my bank the amount was debited from my account on XXXX. 
Looking at my account today ( XX/XX/year> ), the amount due shows no payment was credited. The first representative advised me it would be at least another day after XXXX before I would receive credit for the payment. She said it was because Citibank was upgrading their systems to reflect changes with Authorized Users. Why were we not provided any advance notice? The next person I spoke with who identified herself as the manager, said she knew nothing about the system changeover causing a delay BUT MY ISSUE WAS THE PAYMENT WAS MADE ON A FRIDAY and Citibank has XXXX to XXXX hrs to post the payment and since it was made on a Friday they have until the next business day. Why? If I charge on the weekend, it immediately hits my account but not a payment that they acknowledged receiving on a Friday and stated it was " credited '' to my account. 
I could have keep the {$16000.00} in my bank account earning more interest and delayed paying it until Monday. I feel Citibank is pulling a scam and probably was counting on me not verifying the payment was credited. 
It appears Citibank can keep my money for XXXX to XXXX days without crediting my account and restoring my line of credit to the correct amount. Just another XXXX XXXX  scam on the consumer.

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 2025-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: PA

Complaint narrative:
Okay cash app went ahead and told me they fixed my problem when it comes to my transactions then they told me to fix the problem. I don't know how to do it. I didn't steal no money. Somebody stole money from me and I would like them to replace it. Thank you and have a blessed day and also I provide you the dispute that I did with them and they denied it. Somebody stole my money and then not only that now they're telling me that transactions was not resolved. I need somebody to resolve this as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Wells Fargo Bank regarding a wire transfer issue that has not been resolved despite my repeated attempts to address it directly with the bank. 

On XX/XX/year>, I initiated a wire transfer of {$700.00} from my Wells Fargo account to a XXXX XXXX  account. XXXXXXXX XXXX  has confirmed with me that the wire was rejected the same day and that the funds were never accepted or deposited into the recipient account. 

Following this confirmation, I contacted Wells Fargo and informed them that XXXX XXXX  had rejected the wire. Wells Fargo opened a case to investigate the matter and told me the review process could take up to XXXX business days. I waited the full period and then called for an update, at which point Wells Fargo representatives informed me that they did not yet have an answer and that the process could take up to 90 days. 

I subsequently filed a formal complaint with Wells Fargo and requested that a representative contact me regarding this matter. To date, I have not received any follow-up communication from the bank, nor has the {$700.00} been refunded to my account. It has now been over a month since the initial transaction, and my funds remain unreturned despite clear confirmation from TD Bank that the wire was rejected immediately. 

I believe this delay is unreasonable, and I am requesting that the Consumer Financial Protection Bureau assist in ensuring that Wells Fargo promptly returns my {$700.00} and considers compensation for the extended delay and inconvenience. 

Please let me know if you require any documentation to support my complaint, including the wire transfer details, TD Banks confirmation of rejection, or Wells Fargos case reference number. 

Thank you for your time and assistance in this matter.

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 monetary relief
Consumer complaint received 2025-10-26 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: FL

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/year> - Balance {$4400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/XXXX -Attempted to submit a goodwill adjustment on late payment remarks from the time period of XX/XX/XXXX until XX/XX/XXXX electronically through XXXX -Submitted ( 2 ) two electronic disputes throughXX/XX/XXXXandXX/XX/XXXXdisputing late payment remarks and requesting an early goodwill adjustment of the loans due to reach their ( 7 ) seven year age limit -Mailed ( 5 ) five certified letters requesting goodwill adjustment on late payment remarks from the time period of XX/XX/XXXX until XX/XX/XXXX to the following : DEPT OF EDXXXX XXXX XX/XX/XXXXTRANSUNIONXX/XX/XXXXSubmitted an electronic dispute through Transunion disputing late payment remarks and requesting an early goodwill adjustment of the loans due to reach their ( 7 ) seven year age limit

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/XXXX -Attempted to submit a goodwill adjustment on late payment remarks from the time period of XX/XX/XXXX until XX/XX/XXXX electronically through XXXX -Submitted ( 2 ) two electronic disputes through XXXX and Equifax disputing late payment remarks and requesting an early goodwill adjustment of the loans due to reach their ( 7 ) seven year age limit -Mailed ( 5 ) five certified letters requesting goodwill adjustment on late payment remarks from the time period of XX/XX/XXXX until XX/XX/XXXX to the following : DEPT OF EDXXXX XXXX XXXX XXXX EQUIFAX XX/XX/XXXX XXXXSubmitted an electronic dispute through XXXX disputing late payment remarks and requesting an early goodwill adjustment of the loans due to reach their ( 7 ) seven year age limit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/XXXX -Attempted to submit a goodwill adjustment on late payment remarks from the time period of XX/XX/XXXX until XX/XX/XXXX electronically through XXXX -Submitted ( 2 ) two electronic disputes through Experian and XXXX  disputing late payment remarks and requesting an early goodwill adjustment of the loans due to reach their ( 7 ) seven year age limit -Mailed ( 5 ) five certified letters requesting goodwill adjustment on late payment remarks from the time period of XX/XX/XXXX until XX/XX/XXXX to the following : DEPT OF EDXXXX XXXX EXPERIAN XXXX XXXX XXXXXX/XX/XXXX XXXXSubmitted an electronic dispute through XXXX  disputing late payment remarks and requesting an early goodwill adjustment of the loans due to reach their ( 7 ) seven year age limit

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 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/year> Lvnv Funding Llc Lvnv Funding Llc ACCT # XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Subject : Request for Debt Validation Pursuant to 15 U.S.C. 1692g Dear Lvnv Funding Llc I am writing in response to your claim that I owe a debt. This letter is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge or accept responsibility for this debt and request that you provide proper documentation to verify your claim.

Please provide the following : 1. The name and address of the original creditor. 
XXXX. The amount of the alleged debt, including a detailed accounting of any fees, interest, or charges. 
XXXX. A copy of any judgment ( if applicable ). 
XXXX. Copies of any documents bearing my signature that show I agreed to assume this debt.

5. Proof that your agency is licensed to collect debts in my state.

Until this debt is properly validated, you must cease all collection activity, including reporting to credit bureaus, per the FDCPA. Be advised that any further attempts to collect without proper validation may constitute a violation of federal law. 
This is a request for information only and is not a refusal to pay. Please respond within 30 days from receipt of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Hello, I have completed Bankruptcy in XXXXXX/XX/XXXX. I had XXXX credit card accounts with Capital One and they show as Charged Off on my app. I would like them removed. I do have other accounts with Capital One and I have chatted with costumer support, and no one seems to help me on this situation. I have completed the process already, yet I still see them there and they refuse to remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: KS

Complaint narrative:
I was informed in XX/XX/2025 that my escrow account had a shortage of {$460.00} after M & T Bank completed my annual escrow account analysis. 

I pay my mortgage bi-weekly through M & T Bank 's autopay program, {$630.00}, plus an additional {$100.00} per week for a principal-only payment, for a total of {$1400.00} per month. 

After I became aware of the shortage in my escrow account, I made a manual payment by phone for {$460.00} on XX/XX/2025. 

I requested that {$100.00} per month be deposited into my escrow and {$100.00} per month continue to be paid for a principal-only payment, effective with my XX/XX/2025 autopay. 

I was informed that I could not pay additional funds into my escrow account through the autopay program and that I would have to continue making manual payments each month. 

Made my first manual escrow account payment of {$100.00} on XX/XX/2025 ; however, I received an email from M & T Bank stating that my monthly mortgage payment was still being increased to {$1200.00}, effective XX/XX/2025.

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX -Attempted to submit a goodwill adjustment on late payment remarks from the time period of XX/XX/XXXX until XX/XX/XXXX electronically through AIDVANTAGE -Submitted ( 2 ) two electronic disputes throughXX/XX/XXXX and XX/XX/XXXX disputing late payment remarks and requesting an early goodwill adjustment of the loans due to reach their ( 7 ) seven year age limit -Mailed ( 5 ) five certified letters requesting goodwill adjustment on late payment remarks from the time period of XX/XX/XXXX until XX/XX/XXXX to the following : DEPT OF ED/AIDVANTAGE AIDVANTAGEXX/XX/XXXXXX/XX/XXXX XXXXSubmitted an electronic dispute throughXX/XX/XXXXdisputing late payment remarks and requesting an early goodwill adjustment of the loans due to reach their ( 7 ) seven year age limit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I had an auto loan with XXXX XXXX XXXX  for a truck a purchased. During XXXX XXXX when I was having trouble making a truck payment I set up an agreement with XXXX XXXX to move XXXX payments to the end of the loan. That is known as a payment deferment or loan extension. The lender agreed to this and I paid a payment to do the deferment. At the end of the loan when the vehicle was almost paid off XXXX XXXX XXXX  sent me an invoice for those final three payments due all at once. I was not told it would all be due at once in no paper work. I was under the impression that it would be three extra months to pay off the loan. Due to this I ended up paying the three payments which was required. That last final payment paid off the loan however XXXX XXXX XXXX  filed it as a late payment on my credit report which was not the case. I was under the impression I had three payments left that was extended which is how I was paying it but they did not see it that way and decreased my credit score. I tried to resolve this with them which they were not helpful. When doing a payment deferment it should be specified that those last payments are due all at once. If I had known this I most likely would have not done a deferment agreement. I have never had a last payment with XXXX XXXX for the whole term of the loan and I want this false information removed from my credit report.

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 2025-10-26 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:
Make sure the disputed accounts are deleted promptly, as required by law.

Company response to consumer: Closed with explanation