vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
CFPB Complaint XXXX XXXX XXXX Payward , Inc. ) On XX/XX/year> my XXXX, XXXX, and XXXX were stolen while I was traveling abroad in XXXX. Within hours, unauthorized actors accessed my XXXX account from a foreign IP address, increased my withdrawal limits, and drained approximately $ about {$70000.00} in cryptocurrency. 
I did not authorize these actions. I reported the theft and fraudulent activity as soon as I was able ( approximately XXXX hours later ). Despite my report, XXXX did not act to remediate the fraud. Instead, my account was later closed, cutting me off from my own transaction history and any ability to monitor or respond to the case. 
This sequence of events represents a failure of XXXX fraud-prevention and security controls : Abnormal behavior ( new foreign login, sudden limit increase, and full balance withdrawal ) was allowed without any additional verification. 
XXXX has a XXXX  day hold on withdraws and transfers. I have a video of their process. My concern is how they thieves were able to get around this and XXXX authorized, limit increases and draining my accounts. 
No alerts, holds, or secondary security checks were triggered. 
Closing my account after reporting the theft further restricted my ability to review records. 
I am requesting : A full investigation into the unauthorized access and withdrawals, Copies of audit logs ( IP addresses, devices, and limit-change events ), An explanation of why fraud-prevention protocols did not stop or delay these transactions, I made many calls, emails, and chats to Kraken with loops of no direct communication to support. 
Before XXXX closed my account I got screenshots of all of the fraudulent transactions.

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ), I am requesting immediate verification of the legal ownership, servicing rights, and validity of the alleged student loan debt under your authority. Failure to provide this information within 30 days constitutes a direct violation of federal law.

1. 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. 2. 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 agency 's abolishment. 3. Unfair and Deceptive Practices - The continued collectio
n of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: FL

Complaint narrative:
Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ), I am requesting immediate verification of the legal ownership, servicing rights, and validity of the alleged student loan debt under your authority. Failure to provide this information within 30 days constitutes a direct violation of federal law. 1. 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. 2. 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 agency 's abolishment. 3. Unfair and Deceptive Practices - The continued c
ollection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

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 2025-08-24 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: FL

Complaint narrative:
Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ), I am requesting immediate verification of the legal ownership, servicing rights, and validity of the alleged student loan debt under your authority. Failure to provide this information within 30 days constitutes a direct violation of federal law.

1. 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.

2. 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 agency 's abolishment.

3. 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 ).

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rightsXXXX under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
CFPB Complaint Text Cash App XXXX XXXX XXXX XXXX ) On XX/XX/year> my XXXX, XXXX, and XXXX were stolen while I was traveling abroad in XXXX. Soon after, unauthorized actors accessed my Cash App account, raised my daily withdrawal limit, and withdrew funds. 
I did not authorize these transactions. I reported the theft as soon as I could ( XXXX hours later ). Despite this, Cash App has refused to remediate the theft, citing that all transactions are final. 
This response ignores the fact that Cash Apps fraud-prevention systems failed : Unauthorized login from a foreign location, Sudden limit increase without added identity verification, Rapid depletion of account funds. 
These are classic fraud red flags that should have triggered alerts, holds, or a manual review. Allowing them to proceed unchecked represents negligence in consumer protection. 
I am requesting : A full investigation into the unauthorized access, Copies of audit logs ( IP addresses, devices, and limit-change events ), An explanation of why fraud-prevention protocols did not block or delay these transactions, and Reimbursement/remediation of losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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:
I am filing this complaint to demand accountability for the blatant disregard of my rights by the credit bureaus, who have willfully ignored their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, Section 605B. As a documented victim of a data breach, with proof of compromised personal information, I provided the required evidence and formal identity theft report to have fraudulent entries removed from my credit file. Despite my compliance, the bureaus have refused to block the inaccurate information, resulting in severe damage to my financial standing and personal reputation. This is a clear and unlawful violation of consumer protections, and I demand immediate corrective action by the Consumer Financial Protection Bureau ( CFPB ). If these egregious violations are not addressed promptly, I am fully prepared to initiate litigation to hold the bureaus accountable and recover full damages for the harm inflicted upon 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 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
Dear Chime Support, I am writing to formally express my deep dissatisfaction and serious concern regarding the denial of my recent dispute for the amount of {$970.00}, which I was fraudulently scammed out of. 

The scammers falsely claimed to be representatives of Chime Bank, which made their deception especially convincing. Believing I was dealing with legitimate Chime personnel, I followed their instructions and ultimately lost {$970.00}. I reported the incident immediately and provided all documentation to support my claim. 

To date, I have submitted all required documents, including a police incident report, clearly detailing the nature of the scam. Yet despite this, my dispute was denied without sufficient explanation not once but XXXX separate times. 

To make matters worse, your customer service has been extremely unhelpful. Over the past month, Ive made multiple attempts to get assistance, but have been met with vague responses, poor communication, noisy backgrounds and absolutely no progress. I expected more from a financial institution that promises to prioritize customer protection. 

I am requesting a full and immediate reconsideration of my dispute. I also expect a detailed written explanation of the denial and clear instructions on how to escalate this matter further. If necessary, I will proceed with a complaint to the Consumer Financial Protection Bureau and other appropriate regulatory bodies. 

I trusted Chime with my funds and expect accountability, transparency, and fair treatment in return. 

I can provide the forms previously submitted upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: TX

Complaint narrative:
Transunion has received the dispute for an allege debt that has been in dispute with CFPB since XX/XX/year> regarding a debt in the amount of {$230.00} by company name XXXX XXXX XXXX which has been removed from report by XXXX  and XXXX  and Transunion has not followed the same process of removing debt as this is misuse of my credit report and I ask that Transunion removed the debt immediately and send me a new credit report or update, as this dispute has been over XXXX  days, XXXX  days, XXXX  days and no actions need to be taken in consideration now, the company is in violation and TRANSUNION has not responded with an update over XXXX days either.

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 2025-08-24 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: DE

Complaint narrative:
PayPal has suspended my account so that I can not access my funds. I was trying to avoid this from happening. This is why I made my initial complaint. PayPal is a dishonest, unethical company. To further complicate the situation, the app is glitchy and will not allow me to confirm my identity. I need to be able to use my account and access the funds. PayPal needs to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: GA

Complaint narrative:
My credit report has several inaccuracies and discrepancies reporting

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 2025-08-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
I purchased an item from XXXX XXXX through Affirm, to be paid off in monthly installments, on XX/XX/XXXX. I canceled the item in accordance with XXXX XXXX cancellation/refund policy on XX/XX/XXXX. Based on tracking information, this item had not shipped. After sending the cancelation request, I was informed the product was on its way to the warehouse. Their cancellation policy allows cancelation prior to the item from from the warehouse. They refuse to honor my cancellation for a full refund and charged me around {$1000.00} in shipping costs plus 30 % of the product. I believe that I canceled the item in accordance with their policy and that what they charged me is excessive and unfair under XXXX  law. 

I submitted a report to the FTC and XXXX AG ( I live in XXXX  ). I then disputed the report with Affirm. Affirm informed me they would look at the evidence and make a decision. They then responded almost immediately that they are denying my dispute and I owe the amount. They refused to specify which evidence or legal standard was applied in making their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/year>, I logged into my Equifax credit report to review my credit score and was met with an error message and prompt asking for me to call customers service. Upon calling, I was informed on a recorded line that my credit report had been " selected '' for internal verification. While on the phone with customer service, I submitted a picture of my identity only to be told I have to also mail in my identification along with numerous other documents in order to return my account to normal. I've submitted all the requested documents before to Equifax for disputes and various other reason so I'm confused as to why this is happening. I recently began repairing my credit and I was due for a updated score and report today, now suddenly, I can't.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-24 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: 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 non-monetary relief
Consumer complaint received 2025-08-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | XXXX : XX/XX/year> Date : [ Insert Date ] RE : Formal Factual Basis Dispute - Demand for Permanent Deletion & Legal Accountability To Whom It May Concern, I, XXXX XXXX XXXX, submit this Formal Factual Basis Dispute and Demand for Permanent Deletion under the Fair Credit Reporting Act ( 15 U.S.C. Sec.Sec. 1681i ( a ), 1681e ( b ), 1681s-2 ( b ), and 1681s-2 ( b ) ( 1 ) ( A ) ), the FDCPA, and applicable federal identity protection laws ( 18 U.S.C. Sec. 1028A ). Pursuant to XXXX XXXX XXXX XXXX, failure to conduct a lawful reinvestigation and verify reported information constitutes a direct violation of 15 U.S.C. Sec. 1681s-2 ( b ). 
You are hereby required to answer : - Where is your proof? 
- What system did you access? 
- Time and date of that access? 
- How did you review the actual records? 
Unless you can produce signed contracts, itemized billing statements, or court-stamped documentation, you must permanently delete the following accounts as unverifiable, inaccurate, or unlawfully reported : ACCOUNTS TO DELETE - E-OSCAR CODES : - XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Code XXXX - XXXX XXXX XXXXXXXX & XXXX - Code XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Code 112 - XXXX XXXX XXXX * * * - Code A88 - XXXX XXXX XXXX - Code 001 - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Code A88 - XXXXXXXX XXXX XXXX XXXX  - Code 001 ( Equifax Only ) - CHAPTER XXXX BANKRUPTCY REF # XXXX - Code A88 Your continued reporting of unverified debt, conflicting data, and unauthorized inquiries violates the FCRA, FDCPA, and GAAP standards XXXX Failure to comply will result in formal complaints to the CFPB, FTC, State Attorney General, and immediate civil action under 15 U.S.C. Sec.Sec. 1681n & 1681o. No stall letters. No partial updates. Delete or provide full legal documentation. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Im reaching out because a late payment was reported on my XXXX XXXX credit card for a {$43.00} balance I didnt realize I had. I believed the account was completely paid off and never received a statement or alert about any new charges or a due date. I only found out something was wrong when my credit score suddenly dropped by over XXXX points. 

When I contacted customer service, I was told the balance could be reduced to {$3.00}, which I paid right away. I explained that I didnt recognize the charge, and that it may not have even been a purchase I made. Unfortunately, I was told that the late payment couldnt be removed, even though Ive never missed a payment before in my entire credit history. 

Until this happened, my credit score had consistently been in the XXXX. Ive worked really hard to build and protect that score. This XXXX balance, which I wasnt aware of, has had a huge impact on my credit profile. 

On top of this, Ive recently been through a lot personally. I got married this summer, went through a XXXX, and moved homes, all within a few months. Ive done my best to stay on top of everything, and I am truly trying to move forward and get back on track. 

Im respectfully asking that you consider removing the late payment as a one-time courtesy. Ive always been a responsible borrower and would be very grateful for your understanding and support in helping me fix this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-24 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: TN

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to 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 explanation