vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request resolution regarding a missing deposit of {$1000.00} made on XXXX at a XXXX Bank ATM XXXX located at XXXX XXXX XXXX, XXXX, MI, XXXX using my Wells Fargo debit card ending in XXXX. 

Details of the incident are as follows : - Amount deposited : {$1000.00} - Date and time of transaction : XX/XX/year>, around XXXXXX/XX/XXXXXXXX time - ATM location : XXXX XXXX XXXX, XXXX, MI, XXXX - Wells Fargo claim/reference number : XXXX - XXXX claim/reference number : I dont have any because they refuse to help me. 

During this transaction, I deposited {$1000.00} into the XXXX Bank ATM listed above using my Wells Fargo debit card. The ATM displayed a message stating that it would retain the funds but would not reflect the deposit in my account, and instructed me to contact my bank. 

As of today, the funds have not been credited to my account. I have contacted both Wells Fargo and XXXX Bank regarding this matter, but neither institution has taken responsibility for resolving it. 

I kindly request an immediate investigation and resolution of this issue. Please provide me with a written explanation of the findings, including confirmation of the deposit status and when the funds will be credited back to my account. 

Thanks in advance.

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 2025-09-28 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: CashRepublic Holdings, Inc.
State: TX

Complaint narrative:
I am an XXXX XXXX XXXX in the XXXX XXXX XXXXXXXX XXXX XXXX since XXXX. I am filing this complaint because my rights under the Servicemembers Civil Relief Act ( SCRA ) have been violated by multiple creditors, including XXXX XXXX XXXX, Omni Financial, and XXXX XXXXXXXX. 

With XXXX XXXX XXXX, my vehicle was repossessed in XXXX while I was XXXX XXXX. I was not properly served a court order and had no knowledge of any legal proceedings. Despite this, I was charged attorney fees, court costs, and my wages were garnished. I only became aware of these actions after noticing the garnishment in my paycheck. The repossession, garnishment, and additional charges all appear to have been carried out in violation of SCRA protections, which prohibit repossession and garnishment without a valid court order and proper notice while on XXXX XXXX. 

With Omni Financial, they reported late payments to the credit bureaus that occurred while I was on XXXX XXXX and covered under the XXXX. This reporting is inaccurate and has negatively impacted my credit. 

With XXXX XXXX, my account was charged off and reported negatively to the credit bureaus while I was XXXX overseas and protected under the XXXX. I was not contacted or given proper notice, and this charge-off has caused additional financial and credit harm. 

I am requesting that the CFPB require these creditors to : Review all of my accounts for SCRA compliance. 

Remove or refund any unlawful fees, court costs, wage garnishment amounts, and charge-offs applied during my periods of XXXX XXXX. 

Correct or remove inaccurate and adverse credit reporting from all three credit bureaus. 

Provide me with written confirmation of these corrections. 

These actions have caused me significant financial harm and stress, and I am seeking CFPBs assistance in ensuring compliance with federal law and correcting my credit and account records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have been charged an optional XXXX XXXX XXXX costs {$1.00} for every {$100.00} of the ending balance on your Synchrony account each month for years since I had this card opened. I can only go back to my XX/XX/XXXX statements to date in total I have spend a total of {$14000.00} since then. Given the math of {$1.00} for every {$100.00} - I have spend {$230.00} since XX/XX/XXXX to date. I called over a year ago to be opt out of this program and I assumed this was taken care off until I noticed it again XXXX of XXXX and looking back at all my statements- It was never 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 2025-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of dispute claims, particularly in light of the recent CFPB lawsuit that has highlighted significant issues with the platform. 

In my case, Zelle failed to investigate my dispute adequately and failed to provide the protections I, as a customer, should reasonably expect. This lack of accountability and transparency is unacceptable and raises serious concerns about Zelles commitment to consumer protection.

I respectfully request : 1. A detailed explanation of how my dispute was reviewed and why it was denied.

2. Reconsideration of my claim in light of the CFPBs findings and consumer protection standards.

3. Clear communication regarding the steps Zelle will take to improve its dispute resolution process.

I value reliable and secure financial services, and I hope Zelle will address these issues promptly and seriously. Please provide me with a written response to this complaint at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
This account was charged off and written off on XX/XX/year>, since then the account has repeatedly been updated off every month. this is an update payment history. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 
CAPITAL AUTO FINANCE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: AUTOMOTIVE CREDIT CORPORATION
State: MN

Complaint narrative:
harras ment ive lost jobs my family is working with them to investigate me identity theft mail fraud ive never given anyone power of attorney nor permission to act on my behalf

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 2025-09-28 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: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
I am an active-duty service member in the XXXX XXXX XXXXXXXX XXXX XXXX since XXXX. I am filing this complaint because my rights under the Servicemembers Civil Relief Act ( SCRA ) have been violated by multiple creditors, including Ford Motor Credit, XXXX XXXX, and XXXX XXXXXXXX. 

With Ford Motor Credit, my vehicle was repossessed in XXXX while I was XXXX XXXX. I was not properly served a court order and had no knowledge of any legal proceedings. Despite this, I was charged attorney fees, court costs, and my wages were garnished. I only became aware of these actions after noticing the garnishment in my paycheck. The repossession, garnishment, and additional charges all appear to have been carried out in violation of SCRA protections, which prohibit repossession and garnishment without a valid court order and proper notice while on XXXX XXXX. 

With XXXX XXXX, they reported late payments to the credit bureaus that occurred while I was on XXXX XXXX and covered under the XXXX. This reporting is inaccurate and has negatively impacted my credit. 

With XXXX XXXX, my account was charged off and reported negatively to the credit bureaus while I was XXXX overseas and protected under the SCRA. I was not contacted or given proper notice, and this charge-off has caused additional financial and credit harm. 

I am requesting that the CFPB require these creditors to : Review all of my accounts for SCRA compliance. 

Remove or refund any unlawful fees, court costs, wage garnishment amounts, and charge-offs applied during my periods of XXXX XXXX. 

Correct or remove inaccurate and adverse credit reporting from all three credit bureaus. 

Provide me with written confirmation of these corrections. 

These actions have caused me significant financial harm and stress, and I am seeking CFPBs assistance in ensuring compliance with federal law and correcting my credit and account records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: WA

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I made an online purchase and was flagged as a fraud attempt. I call confirmed it was me and the card was turned back on. I made the purchase then the person stated they had to shut the card off ant send me a new one. I told them not to shut is off and that you just confirmed it was me an allowed me to make purchase it doesn't make sense. She kept me on the hold for 3 hours while she attempted to talk to a supervisor. I have called several time to correct this and can only talk to the same group that shut off the card. I pay for this card a fee every year. If I took someone's money and did not provide the service I would be charges with some type of larceny. This is 100 % a problem they caused and will not fix. I have asked for a call back and have not received one. I have asked for a new card and have not received one. Capital One used a call center that made the problem but will not fix it. They should get rid of that service provider and find one that is not a problem maker for them,. 

This also caused me great aggravation due to all the serviced the card is tied to like my automatic renewals and XXXX service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
A company reached out to me claiming I took a loan from them. I told them that I have no idea of said loan. I requested that they provide me a documentation showing the loan was taken by me. They did not provide me any. The company is XXXX XXXX XXXX. I have no knowledge of this said loan. Since they are unable to provide proper documentation, I am demanding that said collection be removed from my credit report immediately. 
I am filing a complaint regarding an inaccurate collection account appearing on my credit reports and the failure of [ XXXX XXXX XXXX. ] to comply with the Fair Credit Reporting Act ( FCRA ) and/or the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Issue : Creditor/Collection Agency : [XX/XX/XXXXXXXX 
Account Number : [ Insert if available ] Credit Bureau ( XXXX ) Reporting : [ XX/XX/XXXX ] On XX/XX/XXXX, I disputed this account with [ XXXX XXXX XXXX. However, they failed to provide proper verification as required under FCRA XXXX ( a ) and FDCPA XXXX ( b ). The reporting remains inaccurate because : I did not take said loan. 

Requested Resolution : Immediate deletion of the inaccurate collection account from all credit bureaus, Written confirmation of the correction,

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 2025-09-28 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: CA

Complaint narrative:
It was in XX/XX/year>, someone stole {$1000.00} from my paypal account and i have a police report. Paypal says it doesnt meet criteria. They had me on the phone for XXXX hours just transferring me back and forth. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
In the month of XXXX this year I checked my credit report and noticed that there were accounts and addresses on my report that I did not authorize or benefit from. I am a victim of identity theft. I am requesting that the following fraudulent items be blocked from my credit report under the Fair Credit Reporting Act. XXXX XXXX XXXX {$10000.00} Opened XXXX, XXXX {$720.00} Opened XXXX, NAVY FCU {$2100.00} and {$2100.00} Opened XXXX, NAVY FCU {$16000.00} Opened XXXX, XXXX XXXX  {$200.00} Opened XXXX I have disputed these these accouts with the bureaus and have made a request that they remove and block these items that I did not authorize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
An American Express account ( Account # : XXXX ) is being reported on my credit report. I am not responsible for this debt. 

Over a year ago, I contacted American Express to dispute this account. I formally requested that they provide me with documentation proving I am legally obligated to pay this debt. Specifically, I requested a copy of the signed application agreement and the itemized statements. 

American Express has failed to provide any validating documentation. They have been unable to prove that I have any responsibility for this account. Despite their inability to verify the debt, they continue to report it to the three major credit bureaus ( XXXX XXXX XXXX XXXX XXXX which is severely harming my credit score and my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PLANET HOME LENDING, LLC
State: IN

Complaint narrative:
b"Originally I lost hours at work so I went elsewhere for work. Then my kids kept acting up at school and I lost my job because I was seven minutes late one day. They're dad went to XXXX  on XXXX  and has been there since and it's just been me and the kids. My kids lost their daycare vouchers and when i reapplied, they said there was no funding left and they're on a waitlist. So that has stopped me from going back to work but i finally found a trusted friend who will keep them so i can go back to work. Both of my parents are deceased. I don't have anyone else. SO it's a blessing that I finally found someone i can trust with my kids until XXXX  head start preschool has a spot for my son and a woman who can pick up daughter up from school! They gave me a 3 month forbearance. However, Now I'm finally getting to start a job but they put me into foreclosure status. I can pick up payments and not miss another if they would agree to just do a loan term extention. I'm begging. I need a saving grace and with my daughters monthly income until she ios XXXX  years old XXXX if still in XXXX XXXX, I know i can make these upcoming monthly payments again. Please hel[p me. My number is XXXX XXXX XXXX Please call me.,"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I purchased a new laptop from Dell using their store credit card in XX/XX/scrub> 2025. A few weeks after purchase, an electrical component in the screen failed, rendering the computer unusable. I sent the laptop back to Dell at the end of XXXX, as it was unusable and under warranty. They have still been reporting missing payments to all XXXX credit bureaus, and my credit score is being negatively impacted by this issue. I have proof that the computer was delivered back to Dell on XX/XX/XXXX, with an employee signature.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Complaint Narrative Under the FCRA, furnishers of information have a duty to provide accurate and complete information ( 1681s-2 ( a ) ( 1 ) ( A ) ). I am filing this complaint because Credit Acceptance Corp is inaccurately reporting an automobile loan on my credit reports and has failed to correct it despite prior disputes. 

The loan opened in XX/XX/XXXX. 

My last payment was in XX/XX/XXXX. 

The account has been reported continuously as 120 Days Past Due with a balance of {$10000.00} through XX/XX/XXXX. 

However, the vehicle associated with this loan was scrapped on XX/XX/XXXX at XXXX XXXX XXXX in XXXX, SC, according to official XXXX  documentation ( attached ). 

I previously disputed this account with XXXX  in XX/XX/XXXX ( Dispute ID : XXXX ). Credit Acceptance verified the account as accurate, despite having no record of the vehicles location at that time. This constitutes a failure to conduct a reasonable investigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 and 1681i ).

In a subsequent phone call to Credit Acceptanceon XX/XX/XXXX to get a vin and file a police report like they instructed me too, a representative confirmed that they could not provide any documentation or proof regarding the vehicle or this account. Despite admitting they lacked evidence, the company continues to report the account as open and delinquent. 

It is factually impossible for Credit Acceptance to continue reporting the account as an open, active delinquency when the collateral was destroyed in XXXX. Their reporting is false, misleading, and damaging to my credit profile. 

This false reporting has caused me concrete harm, including denial of credit and higher interest rates on other credit accounts. These issues have persisted for more than five years since the vehicle was scrapped, compounding the damage to my credit profile. Additionally, this account continues to misrepresent my financial status to potential lenders. I am requesting not only correction/deletion of the account but also a full written explanation of how Credit Acceptance previously verified the account in XX/XX/XXXX when they had no knowledge of the vehicles location. Their continued reporting of false information after a prior dispute suggests a pattern of willful noncompliance.

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