vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 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: CO

Complaint narrative:
I have/had an account with XXXX I had some some scam. I sent the fraud department an email immediately and then disputed the charges. Offering them proof. The dispute was approved and funds were reversed. As soon as I tried to access and transfer the money out the my froze my account sending an emailing. Asking for proof of identification. I emailed them my passport. Account was unfrozen. I sent funds to my bank. Everything seemed okay until i received another email stating that I needed to prove my identity. I once again sent in my passport. Funds from the transfer to my bank were returned to my XXXX account. I tried contacting customer service to just be told I had to wait until a specialists reached out to me. I received another email on a Sunday XX/XX/year> stating my account as been permanently deactivated and that the money in my account will be help up to 180 days. I replied to this email asking what terms did I violate and why did someone make a decision on my case when they didnt even reach out to me to discuss anything. I keep getting out of office replies. I just want my money sent back to me. I have already been scammed once. And now XXXX is doing the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: CA

Complaint narrative:
Company caused unauthorized hard inquiry on credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Subject : Notice of Discharged Debt Request for Immediate Update and Correction Dear XXXX XXXX XXXXXXXX, I am writing to formally notify you that the debt associated with Account Number : XXXX has been XXXX and canceled, as evidenced by the issuance of IRS Form 1099-C ( Cancellation of Debt ).

Under Title 26 U.S. Code 6050P, a creditor who files a Form 1099-C acknowledges that the debt has been canceled, forgiven, or XXXX, and is no longer legally enforceable for collection purposes. Continuing to report or attempt to collect this XXXX debt violates federal law and my consumer rights under : 15 U.S. Code 1692e Prohibition of false or misleading representations in debt collection ( FDCPA ) ; and 15 U.S. Code 1681s-2 ( a ) Duty of furnishers to provide accurate information to consumer reporting agencies ( FCRA ). 
Therefore, I demand that you : XXXX. Cease all collection activity related to this XXXX debt ; XXXX. Update all credit reporting agencies ( Experian, Equifax, and TransUnion ) to reflect a {$0.00} balance and Discharged/Canceled Debt status ; and XXXX. Provide written confirmation within XXXX business days that this account has been corrected or removed from my credit file. 
Failure to comply may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the State Attorney General, as well as potential civil action for violations of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 
Please treat this matter with urgency. You may send written confirmation of compliance to the address above. 
Sincerely, XXXX XXXX XXXX ________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: SC

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Ive request several times for a full report of my past and future credit cards examination for fraud of my credit account and high interest rates with no charges of account. Ive have to fight them on removal of paid account double dipping and or unlawful act of credit reporting to credit bureau once again my credit score XXXX but should be more because of the none payment of capital one usage they have also place an late payment I dont have as well through the years Ive had to be subject to the unfair amount of interest rates and fees. Im asking for a full investigation on Capital one. The complaint of unfair credit reporting and fees have been an issue for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
CFPB Complaint XXXX XXXX  Unauthorized Transactions XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> Company : XXXX XXXX XXXX XXXX ( subsidiary of XXXX XXXX XXXX XXXX ) Product : Prepaid debit card ( Unemployment/Disability Benefits Card ) Issue : Unauthorized transactions/ Fraud dispute denied Dispute Reference No. : XXXX Complaint, Sometime in XX/XX/year>, I lost my XXXX XXXX  prepaid card ( used for unemployment/disability benefits ). While I was hospitalized and bedridden for XXXX days, approximately {$520.00} in unauthorized transactions were made at a casino and other locations between XX/XX/XXXX through early XX/XX/year>. 

I submitted a dispute with hospital admission/discharge paperwork as proof that I could not have made these transactions. Despite this, XXXX XXXX  denied my claim, stating only that they " could not determine the transactions were unauthorized. 

This response is inadequate and violates my rights under the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 C.F.R. 1005 ), which require the company to : Conduct a reasonable investigation into disputed transactions, Provide a written explanation of findings, and Issue a provisional or permanent credit unless the company can prove the transactions were authorized. 
I believe XXXX XXXX failed to conduct a proper investigation. They have also been the subject of numerous consumer complaints and a class-action lawsuit ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) alleging failures to protect cardholders against fraud and mishandling disputes. 

XXXX XXXX denial has left me without reimbursement for benefits I desperately need. 



Desired Resolution Reopen my dispute and conduct a proper investigation, Provide a detailed written explanation of how the decision was made, Issue a credit of {$520.00} back to my account as required by law. 


Supporting Documents Attached Hospital admission/discharge records Copy of dispute denial letter from XXXX XXXX XXXX of your appeal letter Sincerely, XXXX 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 2025-11-02 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: NC

Complaint narrative:
Please see supporting documents pertaining to Equifax data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: WA

Complaint narrative:
You've already received all my complaints and disputes 5 times and you keep denying me and closing case because I have no receipts well I didn't make the purchases so I don't have receipts then you day I haven't sent you proof of being XXXX XXXXXX/XX/XXXX. XXXX XX/XX/year> well yes I have but I'll send it again and now tell me how am I responsible for these charges when I was in XXXX? XXXX the up address they were all made online wisely bank said but here you go again proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: MI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-02 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: GA

Complaint narrative:
Subject : Request to Block and Remove Fraudulent Accounts from My Credit Report Dear Equifax, I am writing to formally notify you that I have been a victim of identity theft, and my personal information was compromised in the Equifax data breach. As a result, fraudulent accounts have been in my name without my consent. 
Below is a list of the fraudulent accounts that I have identified on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these fraudulent accounts be blocked and permanently removed from my credit report. I have enclosed the following documentation to support my claim : 1. A copy of my government-issued photo ID.

2. A copy of my proof of address ( e.g., utility bill or bank statement ). 
3. A copy of the police report regarding the identity theft.

4. A completed Identity Theft Report from the Federal Trade Commission ( FTC ).

Please update my credit file to reflect that I am not responsible for these accounts and ensure that no further adverse accounts are taken against my credit as a result of these fraudulent activities. I also request that you notify any creditors who accessed my credit report during this time about the identity theft to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: TN

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 2025-11-02 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: Global Lending Services LLC
State: SC

Complaint narrative:
I have been disputing this creditor due to identity theft. Ive emailed, submitted disputes with documents verifying I am a victim of identity theft. Once I sent the email and had identity theft submit my documents, the creditor closed the account without removing the account. Under the fair credit reporting act section 605B, it must be removed. They are refusing to do a thorough investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XX/XX/year> the car was repossessed without court order. The amount of the remaining balance is unknown, and I believe it was sold. I have no information otherwise including the documents I have attached.

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 2025-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
My daughter and I applied for a loan assumption ( # XXXX ) on a property at XXXXXXXX XXXX XXXX  XXXX, NC, XXXX ; listed on XXXX as having a FHA assumable mortgage with a 3.375 % interest rate. The listing stated that the loan was assumable. Based on this listing we applied and we paid the seller XXXX XXXX {$2500.00} in non-refundable funds, a {$1000.00} cashier check to the XXXX XXXX XXXX before starting the assumption process and later on {$600.00} to XXXX XXXX XXXX for the inspection. 

We submitted our first application to LoanDepot on XX/XX/year> ( loan # XXXX ) which was denied due to income insufficient for amount of credit requested, and we reapplied for a second time on XX/XX/year> ( loan # XXXX ) which was denied adding to income insufficient, type of collateral not sufficient. 

After the second denial, I asked our LoanDepot agent in writing whether the loan was assumable. The agent sent a written email confirming that the mortgage was indeed assumable. 

The property was pulled off the market on XX/XX/year> after 117 days listed as assumable, raising concerns that the loan may not have been properly verified or represented. This situation caused us to lose time and miss other opportunities to purchase a home. 

We are requesting that the CFPB investigate whether LoanDepot misrepresented the assumability of this mortgage or failed to properly verify it before processing our applications. 

We believe LoanDepots actions were misleading and caused real, measurable harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I sent XXXX dollars by accident to a stranger on cashapp and i did everything i could with cashapp and they wont help me and the person i sent it to wont give me my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
Refinance of auto loan for XXXX XXXX XXXX took place on XX/XX/XXXX. On XX/XX/XXXX, I began getting urgent texts and emails that I was missing documents. When I logged into my account, it showed a title transfer document missing. This document was not included in the closing package and had not been sent to me. I called CapitalOne immediately, and spoke to XXXX agents, the last of which emailed me the document. I stated to that Agent that my husband was on the title and would need to sign as well ; however, the document was made out only for my signature. I completed and mailed the document the same day. I continued to get texts and emails that my account was incomplete for a week, so I called again, speaking to " XXXX XXXX '' asking if the document was received. I was told it hadn't been long enough and to ignore the texts. 

On XX/XX/XXXX, I again started receiving " urgent '' text messages. I logged into my account and it showed the previous document was not valid, and I now needed a " XXXX XXXX ''. I called again, speaking to a " XXXX -- XXXX '' ( NOTE : I have been unsuccessful in most calls getting the name or complete ID number and agents will not repeat them ). I asked about the Security Agreement, what it was, and how I would get it, and if it could be emailed to me to print and sign. I was told it would be " escalated '' to the title department and I would hear back. I did not get a response. 

On XX/XX/XXXX, I received a new bombardment of text messages and emails. I logged into my account and saw the Security Agreement was " Rejected ''. I DO NOT KNOW HOW A DOCUMENT I NEVER RECEIVED COULD BE REJECTED. I again called and was put through multiple agents. I finally spoke to " XXXX '' XXXX who claimed to be the " Station Manager ''. She stated she would get the Security Agreement out that day via Federal Express and would call me with the tracking number. I have not heard back, did not receive a XXXX  package, and can not reach anyone at CapitalOne. In the meantime, I continue to get threatening texts and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: MI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-02 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: MI

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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