vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: GA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc.
State: GA

Complaint narrative:
I payed back my loan for {$900.00} plus interest and now Im still paying thousands of dollars. The balance keeps going up. Im bankrupt at the moment and this loan is very unfair. The balance keeps going up and every month even when they take the monthly payment every month

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 2025-10-24 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 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 explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I became sole legal owner of a Capital One checking account when my mother passed away on XX/XX/XXXX. I was unaware that she had added me as a joint account holder because Capital One never notified me, never had me sign an account agreement, and never sent statements or disclosures. I discovered the account only after receiving a Capital One letter on XX/XX/XXXX, stating a {$79.00} transaction could not be processed. Bank records show Social Security benefits were refunded and posted to the account on XX/XX/XXXX, demonstrating that Capital One had notice of her death by that time. Despite this, debit card transactions continued through XX/XX/XXXX and automatic payments continued until XX/XX/XXXX, resulting in approximately {$30000.00} in unauthorized activity. I have repeatedly requested documentation and full reconciliation, including the signed account agreement bearing my signature, disclosures, debit card issuance records, SSA death-notification and refund documentation, and the claim rationale with transaction-level detail. Capital One has not provided a complete response. To date, {$15000.00} has been reimbursed, leaving {$15000.00} unresolved. I request CFPB review and action to : require full reimbursement of unauthorized transactions, require a complete reconciliation with specific rationales for each decision, require production of the requested documents or confirmation that no signed agreement exists, and ensure corrective measures so that account owners in similar circumstances receive proper notice, statements, and a transparent claims process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: IA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Home Headquarters Inc
State: NY

Complaint narrative:
I have XXXX loans with home headquarters and have auto pay set up. For the last few months everytime they go to withdraw a both payments, the one payment bounces back even though their is enough in the account and overdraft limit just in case they pull money before I deposit. They are also able to pull one but never the other. Always the same loan that it happen too. Which is the higher interest rate loan But unfortunately they dont send notices to let you know. They charge you a late fee and report a late payment to the credit bureau because by the time I catch it on my own, its too late. You call to try to make a payment they have limited ways to make a payment. You call and it always goes to voicemail and they take days to return your call. This is supposed to be to be a housing counseling agency/non profit that supports people. I havent felt to supported or assist. Im also a mortgage loan officer and work with other clients that work with them that have the same frustration. I think its definitely a company that has a great vision and mission. They just fall short due to their processes and loan servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NJ

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
My account was restricted back around XX/XX/year> because I filled a dispute. They eventually closed my account but informed me that the charges back the charge. I have no knowledge where the funds went. I called Fifth Third bank for more information, I was transferred about XXXX times with my questions not answered nor any resolution. I asked to cancel the dispute so I can get my funds returned. But no one can help me. I believe fifth third is being unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-24 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: EQUIFAX, INC.
State: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Blitt and Gaines, P.C.
State: MD

Complaint narrative:
Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Firm : Blitt & Gaines , P.C . 
Original Creditor : XXXX  Amount : {$2600.00} I am reporting XXXX XXXX XXXX and their attorneys, Blitt & Gaines, P.C., for attempting to collect and sue me for a debt that was already written off and reported as paid on my XXXX  credit report. The account originated with XXXX and was marked as closed and paid before XXXX XXXX XXXX began pursuing collection activity. 

Despite the record on XXXX  showing that this account was settled, XXXX XXXX XXXX has claimed ownership of the account and has filed a lawsuit against me to collect the alleged balance. I believe this is an unfair and misleading collection practice under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as they are trying to collect on a debt that no longer exists. 

I am requesting that the CFPB investigate XXXX XXXX XXXX actions, verify the legitimacy of the account they claim to own, and ensure they cease all collection efforts and legal actions until proper validation is provided. I would also like any inaccurate reporting related to this account removed from my credit reports with all major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
There was unauthorized charges on my account and I made the dispute with the bank. They denied and told me I was responsible for it because I logged into my account. The bank is suppose to protect you from fraudulent activities not hold you responsible

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 monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Title : Serious Issues with XXXX XXXX XXXX Webster Bank Transfers and Customer Service I have been trying to transfer funds from my XXXX XXXX savings account to my XXXX Bank account since XX/XX/year>, and have spent several hours on the phone and written multiple emails to their support team. 

The transfer has still not completed as of today, and communication has been inconsistent and unhelpful. A XXXX representative even called and asked me for my full Social Security number over the phone, which is not appropriate or secure. 

Im deeply disappointed with the lack of professionalism, delays, and unclear security practices. I strongly recommend others avoid using XXXX XXXX ( Webster Bank ) for savings accounts or transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
After numerous failed communications attempts, heres the message that I sent to members of their leadership team directly, of course with no response : I recently was scammed by a seller who shipped me a counterfeit gold bar. I used XXXX XXXX XXXX for the transaction. Venmo charged a XXXX XXXX XXXX fee, but denied my claim, despite having been provided with extensive supporting documentation regarding the counterfeit item which I received and promptly returned to the address provided to me by the seller. 

Fortunately, in the end, the seller refunded my money. However, I am extremely dissatisfied with Venmos handling of my case, the denial of my claim, and its assertion that my purchase was in fact not protected. I am currently considering comprehensive legal action in Federal court against Venmo for fraudulent misrepresentation of its XXXX XXXX XXXX offering and its failure to provide purchase protection, despite charging a fee for the service. 

I have extensive documentation and evidence, not all of which is provided here, but all of which I had provided directly to Venmo. 

What I need : - Id like for you to respond to me directly and explain exactly why my claim was denied by Venmo, despite charging for XXXX XXXX XXXX purchase protection for the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
On XXXX XXXX XXXX, Kraken ( Payward , Inc. ) restricted my access to my account and funds without prior notice or explanation. This restriction occurred on the same day that the cryptocurrency market experienced a major downturn, preventing me from accessing or safeguarding my assets during a period of extreme market volatility. 

At the time my account was restricted, I held multiple cryptocurrency assets with a total value exceeding {$20000.00} ( USD equivalent ) in my Kraken account. Since that date, I have been unable to access, trade, or withdraw any of these assets.

Following the restriction, Kraken requested that I provide identity verification documents, including my passport photo and recipient information. I promptly provided all requested materials and have contacted Krakens support team multiple times to request : A clear reason for the restriction, An estimated timeline for resolution, and Immediate restoration of access to my funds.

Despite full compliance and repeated follow-ups, Kraken has failed to provide any substantive update, timeframe, or justification. My account remains frozen, and I have experienced significant financial loss due to my inability to access or manage my crypto assets during critical market conditions.

Krakens continued withholding of customer funds without transparency or due process may constitute unfair and deceptive practices under federal consumer protection laws and a potential breach of their obligations as a registered money services business.

I respectfully request that the CFPB investigate Krakens handling of this matter and require the company to : Restore full access to my account and all associated digital assets without further delay.

Provide a written explanation detailing the reason for the restriction, the internal review steps taken, and the legal or regulatory basis for freezing my funds. 

Confirm the total value and composition of my held crypto assets at the time of restriction, along with a full transaction history covering that period. 

Compensate for the financial losses incurred as a result of Krakens failure to provide timely access, communication, or due process while my account remained restricted. 

Ensure that any future compliance or verification reviews affecting customer funds are handled with transparency, clear communication, and defined timelines in accordance with regulatory expectations for money service businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NV

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: EQUIFAX, INC.
State: RI

Complaint narrative:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Sparrow Financial, Inc.
State: OH

Complaint narrative:
Company refuses to let me access my account online because my phone number was previously used by someone else. They would rather I call to make payments, which is unreasonable and not secure. I am the verified account holder, but they said I need to get a new number that has not been used by anyone else before. This is an absurd demand and one that is impossible because US companies simply recycle phone numbers. I cant view my balance, unlock my card to use it, or make payments online. This card and service is basically useless now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
CONSUMER WAS DIVORCED FROM HER HUSBAND IN XXXXXXXX XXXX XXXXXXXX ; THE HUSBAND RETAINED THE HOME EXCLUSIVELY AND PERMANENTLY ; THE HUSBAND WAS SUPPOSED TO SELL THE HOME IN THE DIVORCE SETTLEMENT, BUT, HE DID NOT. THE WIFE TOOK THE HUSBAND BACK TO COURT IN XXXX IN CONTEMPT OF COURT AND THE WIFE RECEIVED THE HOME BACK IN A CONSENT ORDER EXCLUSIVELY AND PERMANENTLY BY A JUDGE IN XXXX CO XXXX XXXX. IN XXXX THE WIFE BEGIN ASKING FOR ALL DOCUMENTS FOR MODIFICATIONS ON HER HOME AND THIS IS WHEN SHE DISCOVERED THAT THE MODIFICATION DOCUMENT WAS DONE WITH HER NAME FORGED ON THE DOCUMENT. SHE ALSO NOTICED THAT THERE WAS A BALLOON PAYMENT THAT WAS DUE ON A 480 MONTH MODIFICATION FOR {$270000.00} WHICH SHE WAS FLOORED, THE MODIFICATION ALSO SHOWED ANOTHER INSTALLMENT FOR XXXX FOR {$2900.00} SAME AS THE 40 YEAR LOAN WITH THE BALLOON. THE WIFE TRIED XXXX XXXX XXXX TRIED TO GET THIS FLAWED DOCUMENT WITH PREDATORY LENDING REMODIFIED ON SEVERAL OCCASSIONS AND WAS DENIED EACH TIME. XXXX XXXX XXXX SAID THAT THER WAS NO WAY SHE WOULD HAVE SIGNED A MODIFICATION WITH DUAL TERMS ON IT AND TRIED TO GET THE SERVICER TO ACKNOWLEDGE THE MODIFICATION OR VOID IT AND THEY NEVER DID. XXXX XXXX XXXX ALSO TRIED TO GET THE SERVICER TO WRITE THE BAD MODICATION OFF WITH THEIR AGREEMENT WITH DOJ IN XXXX XXXX XXXX AGREE TO GIVE BACK TO THE CONSUMERS {$2.00} XXXX AGREEMENT FOR LOAN FORGIVENESS, XXXX, AND THE SERVICER REFUSED.

Company response to consumer: Closed with explanation