vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Negative Collection named XXXX XXXX XXXX was removed from my XXXX  report but it was not removed from my Transunion can you guys please make sure its removed from all XXXX credit bureaus and not just 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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am filing this complaint due to numerous violations committed by Wells Fargo Auto and/or any subsequent debt collectors concerning the reporting, handling, and disposition of an auto loan that resulted in repossession. The following legal violations and inconsistencies form the basis of my complaint : Lack of Pre-Sale Notification ( UCC 9-611 ) : I did not receive any legally required written notice of the intended sale or disposition of the repossessed vehicle. This is a direct violation of the Uniform Commercial Code, which mandates that secured parties provide reasonable notification to the debtor before selling collateral. 

No Post-Sale Accounting Disclosure ( UCC 9-616 ) : After repossession, I was never provided with a detailed accounting of the sale proceeds, how they were applied, or the deficiency balance. This is a statutory requirement to ensure transparency and fair accounting. Without this notice, any deficiency balance reported is unverifiable and possibly inaccurate. 

Improper and Inaccurate Credit Reporting ( FCRA 1681s-2 ( b ) and XXXX XXXX Standards ) : Despite the account being repossessed, Wells Fargo ( or its agent ) continued to report repeated XXXX, XXXX, and XXXX late payments on my credit report after the vehicle was taken. This is factually impossible and constitutes data furnishing in bad faith, violating the Fair Credit Reporting Act. 

Failure to Conduct a Commercially Reasonable Sale ( UCC 9-610 ) : If the vehicle was sold, the creditor has failed to show that the sale was commercially reasonable. The continued reporting of a high balance despite the collateral being recovered suggests that proceeds may not have been applied correctly, or the sale was not performed in good faith. 

Violation of Regulation F ( 12 CFR 1006 ) : If this debt has been transferred or collected by a third-party agency, they must comply with XXXX XXXX XXXX This includes sending a proper debt validation notice and respecting my dispute rights. At no point was I provided this information. 

Potential Identity Misrepresentation and Unauthorized Re-Aging : If the account was charged off and later sold or reassigned, and is still accruing or reporting monthly late payments or balance inconsistencies, this may constitute identity misrepresentation and a violation of FDCPA 807 ( false representation of the character or legal status of a debt ). 


I believe every step of this repossession and credit reporting process violated both state UCC law and federal consumer protection laws. These actions have caused me financial harm, and I am requesting a full investigation, the deletion of inaccurate credit information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I need your help reviewing accounts from these companies that have incorrectly flagged late payments on my credit report. After checking the report, I found several entries marked late that are not validthere should be no late payment remarks. Please remove these inaccurate entries and update the accounts to the agreed positive standing.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I need your help reviewing accounts from these companies that have incorrectly flagged late payments on my credit report. After checking the report, I found several entries marked late that are not validthere should be no late payment remarks. Please remove these inaccurate entries and update the accounts to the agreed positive standing.

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 2025-08-01 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: FL

Complaint narrative:
On XX/XX/XXXX, I transferred {$1500.00} from my PayPal balance to my bank account. At the time, my bank account wasnt fully verified, but PayPal still allowed the transfer. The transaction was later marked as Completed by PayPal on XX/XX/XXXX. However, the money never arrived in my bank account. After noticing the delay, I fully verified the bank account, but the funds are still missing. I contacted PayPal, and they repeatedly told me the transfer was completed but gave me no real help. My bank confirmed they never received the money. As of XX/XX/XXXX, I have not received the funds and havent gotten any resolution. I just want to locate my money or understand what happened to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TN

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Re : SECOND REQUEST DEMAND FOR DELETION OF INACCURATE INFORMATION To Whom It May Concern : I am writing in response to your recent investigation results ( File # XXXX dated XX/XX/XXXX ). You verified several accounts as accurate, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This verification is unacceptable as it fails to meet your obligations under the Fair Credit Reporting Act ( FCRA ).

Pursuant to 15 U.S.C. 1681i ( a ) and 1681s-2, a credit reporting agency must conduct a reasonable reinvestigation and verify the accuracy of the information with documented evidence. A mere confirmation from the furnisher of information is insufficient without providing me proof of : 1. Original signed applications, contracts, and account-level documentation proving the accuracy and ownership of these accounts. 
2. The name, address, and phone number of each party you verified with.

Since you failed to provide this documentation, these accounts remain unverified and inaccurate. Continuing to report them violates : 15 U.S.C. 1681i ( a ) ( 5 ) duty to delete unverifiable or inaccurate information 15 U.S.C. 1681e ( b ) duty to maintain maximum possible accuracy Demand for Deletion : If you can not provide documented proof of verification ( not just e-Oscar confirmations ), you are required to DELETE these accounts from my credit report immediately. Failure to do so places you in willful noncompliance with federal law, and I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the FTC, and pursue private legal action for damages under FCRA 1681n and 1681o.

Please respond within 15 days with : Written proof of verification ( original signed agreements and statements ), OR Written confirmation that these accounts have been deleted. 
This is my final notice before formal complaints and legal action.

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 2025-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/XXXX a male XXXX me {$2000.00} for the purchase of a XXXX XXXX XXXX. On XX/XX/XXXX {$2000.00} was taken from my XXXX XXXX account. So I called the bank to find out why the money was taken out my account and they said that {$2000.00} was taken back from a transaction done on XX/XX/XXXX was filed as a fraudulently charge by the male and XXXX XXXX said they sent the money back to XXXX to send to the young man account. So I told them that it was not a fraudulently transaction and explained the young man purchased a car. So they told me that I could file a claim to get my money back if I had proof that the young man purchased a car. So I sent that information to them and they told me it would take XXXX days to process the claim. Well after the XXXX  days they told me that my claim was denied and that I couldn't get my money back. Well I contacted the young man who purchased the car and he told me that he did put in a dispute to get his money back because he wasn't satisfied with his purchase but that XXXX XXXX which is his bank denied his claim because he meant to send funds to purchase a car, therefore he couldn't get his money back. So I called my bank back and told them what the young man told me and my bank said that he was lying to me and that the funds were sent back to him because he put in it was fraud. Well I called the young man back and he swore he didn't get any money and he called XXXX XXXX with me on the phone and XXXX XXXX said the funds were never requested from my bank because the claim was denied on their end and that he never received the money. So I called my bank back and they told me that it was basically nothing that they could do, that the money was gone and to never send money to anyone that I don't know. But I'm upset and furious because the money was taken from my account, the young man doesn't have the money, so who has the money? But I need my money back because it was my funds that were just taken out of my account and somewhere some fraud going on and it's not from me. So I need someone to find out where the {$2000.00} is and please have it deposited back into my account. I've tried to talk to my bank and they tell me its nothing they can do, because XXXX requested the money and they sent it back, XXXX XXXX telling me its nothing they can do because his claim was denied and never requested money back. XXXX keeps saying it's nothing they can do and that I have to talk to my financial institution. I keep talking and the answers I'm getting are not making any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NC

Complaint narrative:
I accidentally typed XXXX for a cash app note and now they froze my entire account its been over XXXX hours I havent heard anything from anyone they wont let me withdrawal my money on the app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I am disputing a {$560.00} collection account that XXXX sent to Source Receivables Management. I was never properly notified of this debt, nor do I owe it. I have requested documentation multiple times and received none. 

Source Receivables Management claimed they contacted my " husband '' to resolve the debt, but I am not married, and I have never authorized anyone to handle this account. This is false information and suggests a serious communication and identity verification issue. 

XXXX failed to notify me before placing this account in collections, which is a violation of the Fair Credit Reporting Act ( FCRA ). The debt has caused damage to my credit score, and I believe it was reported in error or without proper verification. 

I am requesting the CFPB to investigate this matter and ensure the following :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: WA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against DEPTEDNELNET, XXXX, XXXX, and XXXX  for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the XXXX Department of Education. 
Complaint Details : XXXX. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 
XXXX. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 
I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
I was traveling from XXXX XXXX, FL to XXXX, MA to attend the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). Concurrently, I was going to attend 2 of my son 's college soccer games, and visit my daughter who lives in XXXX. I made reservations months ahead at the XXXX XXXX XXXX in XXXX, MA. Upon my arrival at XXXX XXXX in XXXX, MA, I called the hotel to let them know we ( my wife and I ) were on our way. I was told that I no longer had a reservation. I demanded to speak with the manager but was denied and the person hung up on me. We then spent the next 6 hours driving and calling around all of XXXX, XXXX MA, and XXXX, RI and EVERY hotel was SOLD OUT. Apparently ALL of Massachusetts and Rhode Island was sold out because of the XXXX conference, travel softball and soccer games. Thus, we had nowhere to stay. We stayed that one night at my daughter 's XXXX apartment and returned to XXXX XXXX the next day. I was unable to attend the conference, see my son 's 2 soccer games, or visit with my daughter. Upon arrival home, I notified American Express who told me to wait to view my monthly statement to see if I was billed for the hotel. When the statement arrived, I was billed more than {$2000.00}. I called AMEX and they reviewed my appeal and told me pretty much, " too bad/too sad '' there was nothing they could do. As of now, I have appealed their decision 3 times and all 3 times they have denied any responsibility and have not refunded my money. I find this egregious ( especially as I have been an AMEX card holder for more than 30 years. I am requesting your assistance in finding out why given the circumstances of my case, 1 ) why they rejected my request, 2 ) why are they billing me for all those nights stay when I did not stay even 1 night, and 3 ) why they rejected my request when they know I was not able to attend my conference ( thus denied the ability to receive continuing education credit to renew my professional license, not attend my son 's soccer games, or visit with my daughter ). Pardon my vernacular but I do not accept that I have to pay more than {$2000.00} to get completely XXXX. 
Thank you for your assistance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
After reviewing the stipulation I discovered that added fees labeled as miscellaneous were included in the principal balance making it significantly higher then it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent TransUnion a certified letter that they received on XX/XX/year> asking for verification of debt. On XX/XX/year> they issued my a letter saying that the debt was verified with nothing verifying the debt attached. They do not do investigations and they do not verify any debts. They have not shown my once how they are verifying this debt! Which is very hard for someone who is actually working towards the goal of having excellent credit. They are holding people back! They are not doing what they are supposed to and are letting creditors get over on people. They use credit for everything, these days and will deny your for things being reported against you while us the consumer cant even fight back or have to go through extreme measures to do so.

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 2025-08-01 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: TX

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-01 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00}

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 2025-08-01 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$5100.00}

Company response to consumer: Closed with explanation