vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XXXX a purchase in the amt of {$950.00} was taken out of my account using my debit card. I reached out to Pay Pal and I was denied a refund, I was told that my purchase was a regular pattern of my spending. I have never spent that much on a purchase except rent and school. 

Second charge XXXXXXXX XXXX  a purchase amt of {$240.00} it was taken and paid to XXXX XXXX XXXX I was denied for nothing. 

I have reached out to XXXX over and over and yet nothing. I just want my refund from PayPal that's it. 

XXXX charges : XXXX XXXX tires amt {$950.00} XXXX XXXX amt {$240.00}... 
I have contacted PayPal to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: AZ

Complaint narrative:
Im submitting this complaint because Experian is still reporting a XXXX XXXX account that does not belong to me. The account is : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2022 Balance : {$360.00} Status : Collection account This account was created through identity theft. I already filed an FTC Identity Theft Report. In my previous CFPB complaint ( Complaint # XXXX ), XXXX responded that there may be potential fraud on this account. 

Even after XXXX acknowledged possible fraud, Experian is still reporting this account as an active collection with monthly updates. This is inaccurate, misleading, and continues to hurt my credit. Under the FCRA, fraudulent accounts should not continue reporting once identity theft has been documented.

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 2025-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CO

Complaint narrative:
I was scammed by a woman who claimed she had delivered an item to my home. I paid her {$180.00} in advance of delivery through cashapp. When I got home, it was not there, and she blocked me afterwards. I had already paid for the fabric and never received it. I have the messages that were exchanged and I just want my money back from the scammer. I submitted this information to cashapp who said they would investigate and respond within 24 hours. It has now been 4 days and the issue still has not been resolved nor my money refunded. This is unconscionable and Im hoping for a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I was selling my XXXX XXXX  on paypal and was shipping itnto a customer XXXX hours away. They paid for the item on paypal. i withdrew the funds so i could ship the device and they kept the item as well as initiated a chargeback.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ADS Resolve LLC
State: HI

Complaint narrative:
In XX/XX/year> we were told someone was acquiring credit in our name and with our info That led to company claiming to be with cfpb protecting seniors like us against high interest rates on our credit cards. It led to a company ADS ACCElerated debt services and {$15000.00} in fees for their services. FTC has shut them down leaving many seniors like us high and dry. Bad credit that once was excellent is gone. Hope we can get some recourse eventually.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My family has banked with Bank of America for decades. Bank of America continues to repeatedly mail bank statements and other account correspondence addressed to XXXX XXXX to my home address at XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NJ XXXX. This has gone on for over 8 years now and I've requested the mail to stop during that time. 
XXXX XXXX has never lived at this address and that person 's location is completely unknown to me. 
I have called Bank of America multiple times, including reaching a supervisor, and was told " there is nothing they can do. '' I specifically requested written confirmation ( email or letter ) that my address would be removed from this individual 's account and that the mail would stop. Bank of America explicitly refused to provide any confirmation, reference number, or proof of escalation, and eventually hung up on me. This ongoing misdirected mail exposes XXXX XXXX 's private financial information to an unauthorized third party and violates the Gramm-Leach-Bliley Act ( GLBA ) privacy rules on accuracy and protection of nonpublic personal information. 
Iam asking the CFPB to require Bank of America to : 1. Immediately and permanently remove my address from XXXX XXXX XXXX  account/profile 2. Stop all future mail for XXXX XXXX to my address 3. Provide me written confirmation within 10 business days that this has been completed

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 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
To : Sunrise Credit Services RE : Debt Validation Request FDCPA 809 ( b ) Original Creditor XXXX XXXX XXXX XXXX XXXX Reported Balance : {$2300.00} To Whom It May Concern : This letter is a formal request for Debt Validation under 15 U.S.C. 1692g ( b ) regarding the alleged XXXX XXXX XXXX XXXX  account you are reporting and attempting to collect. 
I dispute this debt in its entirety. Until full validation is provided, you must cease all collection activity, including reporting to any credit bureau. 
REQUIRED VALIDATION DOCUMENTS Provide all of the following : Proof of assignment or ownership of this debt Original signed contract or service agreement Complete itemized account ledger ( charges, payments, fees, taxes ) Documentation supporting the alleged DOFD ( XX/XX/year> ) All monthly statements from XXXX XXXX XXXX Evidence of your legal right to collect in New York State If you can not provide complete validation, you must : Cease collection AND request deletion with all credit bureaus.

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 2025-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: AL

Complaint narrative:
I entered into an agreement with Acima Credit XXXX on XX/XX/year>, I ordered a XXXX XXXX car amp. I also purchased a XXXX XXXX XXXX alternator. The purchase amount was {$840.00} plus tax. Then I later ordered a battery for {$490.00} which turned out to be bad and had to reorder the product. They wouldn't return the battery At XXXX XXXX XXXX  and they told me to call XXXX XXXX in Tennessee which told me that I had to get with XXXX XXXX XXXX  because I didn't purchase the battery from them. I called Acima who was only worried about the payment instead of giving me the correct product that I was making payments on. They would not take back the merchandise that I still have till this day. They have sent my account from XXXX  to a company called XXXX at XXXX who has called my mother and said they were looking for me and giving her information that they were suing me for breach of contract like I skipped out on them while still having the merchandise. They called my sister, and she has them on voicemail threatening to send someone to serve me at her location while telling her my account info. They called my wife and asked her which I haven't been running or ducking because all I wanted to do was return the merchandise and be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: TX

Complaint narrative:
I have XXXX accounts on Venmo that have been immediately closed after receiving money. XXXX account has {$250.00} stuck in it and the other has {$50.00}. Ive been trying for months to get this issue resolved and when I try to call or email Venmo customer support about this problem, I get no help. They say they will email me back but they never do. I did nothing to get my account locked or suspended because I have only received XXXX payment on each account. 

They have told me that my account will be unlocked so that I can transfer the money out, but they never actually unlock it. 

XXXX of the emails linked to the account is XXXX and the other is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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:
I am writing to dispute inaccurate information related to a vehicle repossession on my credit report I am requesting an investigation into there following accounts pursuant to the Fair Credit Reporting Act ( FCRA ). Please investigate the following accounts DATE OPENEN : XX/XX/XXXX BALANCE : {$10000.00} DATE UPDATED : 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 2025-12-07 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 explanation
Consumer complaint received 2025-12-07 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: MA

Complaint narrative:
I am filing this complaint because Equifax is reporting an account from XXXX XXXX with multiple inaccuracies, incomplete fields, and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ). 

Despite my disputes, the item remains on my credit file without proper verification. 
Creditor : XXXX XXXX Account XXXX. : XXXX Balance Reported : {$2800.00} Status : Collection Account Date Opened : XX/XX/XXXX Balance Updated : XX/XX/XXXX Bureau : Equifax 1. Conflicting Account Statuses The account is listed as both an Open Account and Closed, which is contradictory and violates FCRA 1681e ( b ) ( accuracy requirement ).

2. Missing Required Reporting Fields Fields such as original creditor information, terms, payment history, and company-sold status are
missing or blank, yet the account is classified as a collection.

This violates FCRA 1681i ( a ) and 623 ( a ) ( 1 ) ( A ) for incomplete and unverifiable reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Re : Dispute of Inaccurate XXXX XXXX XXXX Account # XXXX Demand for Immediate Deletion under 15 U.S.C. 1681i and 1681e ( b ) To Whom It May Concern : I am writing to dispute the completeness and accuracy of the above-referenced Hunter Warfield account appearing on my credit file. This account is inaccurate and violates multiple provisions of the FCRA and the Metro 2 Credit Reporting Resource Guide for the following reasons : 1. Missing Date of First Delinquency ( DOFD ) The account fails to report a Date of First Delinquency as required by 15 U.S.C. 1681c and the Metro 2 standard. Without a valid DOFD, the account can not be accurately aged and must be deleted.

2. Improper Delinquency Progression ( Metro 2 Violation ) The furnisher is reporting the account as 180+ days past due ( or seriously past due ) without ever reporting the required sequential 30-60-90-120-150 day delinquency codes in prior months. This violates the Metro 2 format specifications and renders the reporting patently inaccurate under 15 U.S.C. 1681e ( b ). See XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ). 
XXXX. Failure to Conduct a Reasonable Investigation ( 1681s-2 ( b ) ) Upon information and belief, XXXX XXXX has never conducted a reasonable investigation and continues to verify this information through the automated e-OSCAR system without correcting the above violations. 
Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if you can not verify the accuracy and completeness of this information within 30 days, you must promptly delete the account from my file. Partial or updated reporting is not sufficient when the account is materially misleading.

Also invoke your right under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) that this dispute is not frivolous because it is based on objective Metro 2 and FCRA violations. 
Please send me written confirmation of the deletion and updated copies of my credit report from all three bureaus.

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 2025-12-07 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: Block, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding the actions taken by Cash App ( Square , Inc. ) involving the unexpected closure of my account and the baseless accusation of fraudulent activity. I believe I have been treated unfairly, and I am requesting a full investigation into this matter. 

Recently, Cash App abruptly closed my account and blocked me from access, stating that I was involved in fraudulent activity. This accusation is completely false. At no point have I ever committed, attempted, or been involved in any fraudulent behavior on my Cash App account. I have always used the platform for legitimate personal transactions. 

Cash App provided no clear explanation, no evidence, and no opportunity for me to dispute or appeal this claim. Because of their actions, I have lost access to my funds and any transaction history needed for my personal records. This has caused me significant inconvenience, stress, and financial disruption.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: OPTUM BANK, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint against Optum Bank regarding their ongoing failure to allow me to disable an auto-transfer feature on my Health Savings Account ( HSA ), which has prevented me from transferring my HSA funds to a new custodian ( XXXX ) for over one month. 

BACKGROUND : I hold an HSA with Optum Bank through my employer. Optum Bank offers an auto-transfer feature that automatically moves funds to Betterment for investment purposes. I activated this feature previously.

In order to transfer my HSA to XXXX, I need to : 1. Transfer funds from XXXX back to Optum 2. Disable the auto-transfer feature 3. Initiate the transfer to XXXX THE PROBLEM : The auto-transfer feature can not be disabled through Optum 's website, despite multiple attempts. Additionally, Optum 's customer service representatives have been unable to resolve this issue for over one month. 

TIMELINE OF EVENTS : XX/XX/year> - First Call : I called Optum Bank to report that the website would not allow me to disable the auto-transfer to Betterment. The representative stated that only the website could perform this function. When I explained the website was not working, I was told it " must be down '' and to " try again later. '' XX/XX/year>- Second Call ( 14 minutes ) : I attempted again to disable the auto-transfer via the website. It still did not work. I called Optum Bank and spent 14 minutes on the phone. They were unable to resolve the issue and filed Ticket No. XXXX. I was told the issue " should be ready by next weekend '' ( XX/XX/year> ). 

XX/XX/year>- Third Call ( 4 minutes ) : I called to follow up. After 4 minutes, they confirmed they were still unable to resolve the issue. 

XX/XX/year>- Present Day : I attempted again to disable the auto-transfer via the website. The same issue persists. The problem remains unresolved more than one month after my initial report and well past the promised resolution date of XX/XX/year>. 

HARM TO CONSUMER : - My funds were automatically re-transferred to XXXX  after I had already moved them back to Optum, solely because I can not disable this feature- I am unable to exercise my legal right to transfer my HSA to a custodian of my choosing- I have spent significant time ( multiple phone calls over one month ) attempting to resolve this issue - Optum Bank 's technical failure and customer service failures are effectively trapping my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
b'Complaint narrative (chronological): On XXXX XXXX XXXX, I mailed a formal dispute and demand letter to XXXX XXXX XXXX XXXX  Power Finance Texas (enclosed) via XXXX  Certified Mail, Certified Mail tracking number XXXX XXXX XXXX XXXX XXXX XXXX Per XXXX  signature receipt confirmation, Power Finance Texas signed for the certified mail on XXXX XXXX XXXX I have attached the certified mail receipt and the XXXX  signature confirmation to this complaint.\n\nMy letter requested that the company provide a lawful adverse action/denial notice and supporting documentation for any adverse action taken or threatened, and that they validate or cease any collection or reporting related to the disputed account. To date I have received no responseno written adverse action notice, no validation, and no correction of any reporting (if applicable).\nWhy I believe this is a problem: Under consumer protection expectations and CFPB guidance, companies are required to respond to consumer disputes and provide clear written notices when adverse actions are taken; failure to respond to a certified dispute and to provide required notices harms consumers and prevents resolution'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: NJ

Complaint narrative:
This is the second time that I have contacted this company just to ask a question and they have added a dispute on my credit report, which lowered my score and my spouse 's score. I only called them to inquire about by PMI. I want this statement removed from my credit report. I did not dispute anything with them I was only trying to find out if we met the requirements for PMI to be removed.

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 2025-12-07 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: NJ

Complaint narrative:
This is the second time that I have contacted this company just to ask a question and they have added a dispute on my credit report, which lowered my score and my spouse 's score. I only called them to inquire about by PMI. I want this statement removed from my credit report. I did not dispute anything with them I was only trying to find out if we met the requirements for PMI to be removed.

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