vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: PA

Complaint narrative:
I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the creditor PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED.

ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT.

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt.

Permission Purposes Please state why you have permissible purpose to contact my credit. I dispute this.

I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thankyou

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 2025-10-06 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: NV

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
On XXXX XX/XX/year>, my Wise business account was hacked, resulting in multiple unauthorized transfers totaling over {$41000.00} USD ( XXXX XXXX  ). The first suspicious activity I noticed was an unauthorized XXXX XXXX card addition and three emails requesting a phone number change. Shortly after, I received an email notification showing a {$10.00} USD transfer to another Wise account under the name XXXX XXXX ( Transaction # XXXX ), followed by a {$10000.00} USD transfer ( Transaction # XXXX ) both made without my authorization or any OTP verification. 

Wise later sent me an email stating that my card had been frozen because my account was under suspicious activity. However, even after this security flag, the hacker managed to make another large transfer of XXXX XXXX  from my USD balance ( approx. XXXX USD, Transaction # XXXX ) again without any OTP or two-step verification on my number. 

I immediately contacted Wise Support by phone and email. A Wise representative, XXXX XXXX, asked me to verify my identity and promised that my refund and account recovery were being managed. Despite continuous follow-ups, I lost complete access to my account because the hacker changed both my email and phone number. I repeatedly informed Wise that I was not receiving OTPs due to the hackers number being linked to my account, but support agents told me they could not assist further. 

On XXXX XX/XX/year>, the hacker once again changed the email associated with my Wise account, and I permanently lost access. Even after multiple emails from Wise acknowledging suspicious logins and freezing my card, they later concluded that they did not find any unauthorized access, which directly contradicts their own system alerts. 

I believe this represents a serious system failure and negligence in Wises fraud detection and customer protection mechanisms. Wise failed to block unauthorized transfers even after detecting suspicious behavior and did not provide timely assistance to secure my account. 

I have reported this incident to the XXXX XXXX XXXX ( XXXX ). 

I am requesting a full refund of the unauthorized transfers and a transparent investigation into Wises security and fraud monitoring processes to ensure this does not happen to other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
I am filing this complaint against Mosaic Solar for issuing a predatory loan tied to the installation of solar panels that were misrepresented both in performance and cost. I was promised substantial energy savings and high-quality, efficient equipment, but the system has consistently underperformed and failed to deliver the advertised results. Despite these issues, I am being charged an excessive amount far beyond the panels true market value, leaving me with a financial burden that feels exploitative and unjustified. The sales representatives used misleading information and false promises to pressure me into signing the loan agreement, which I now believe was intentionally structured to benefit the lender and installer rather than the consumer. I am seeking an investigation into Mosaic Solars lending practices and a fair resolution that reflects the equipments actual value and performance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: FL

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 2025-10-06 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: FL

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 2025-10-06 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: IN

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: OH

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 INQUIRIES 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 non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: SC

Complaint narrative:
CAPIO is falsely reporting on my credit. I have never had any accounts with them. Per my research CAPIO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: MI

Complaint narrative:
Im a US Bank XXXX cardholder. On XX/XX/XXXX, I redeemed points using their website roundtrip nonstop from XXXX to XXXX XXXX for XXXX XXXX on XXXX XXXX  XXXX I needed to leave a day earlier so I called US Bank who uses XXXX XXXX for their rewards program. XXXX stated that I was not able to change the date to XX/XX/XXXX through them. So I contacted XXXX and was able to pay {$60.00} for the change. 
On my statement I saw XXXX charges from XXXX XXXX. XXXX for {$390.00} and XXXX for {$450.00}. 
I called XXXX XXXX XXXX and explained that my points were not redeemed and that I was charged. The XXXX representative stated that because I had called to change my original itinerary to XX/XX/XXXX, they were not able to use the points. I was never told this at the time. The XXXX representative stated that if I had caught this prior to travel then they would have been able to redeem my points. I asked to speak to a manager and after several minutes, the representative came on the line and stated the manager was in agreement and would not come on the phone and nothing could be done. Horrible customer service! 
I called US Bank XXXX to dispute the charges and was told since I had already traveled that I would not be able to dispute the charges. 
I eventually transferred miles for that dollar amount. 
I am a XXXX XXXX member with free access to the XXXX XXXX XXXX. Because I had supposedly used these miles and booked through the US Bank XXXX XXXX, I was not allowed access to the XXXX XXXX. 
My family and I all use XXXX XXXX and have for. Long time but since theyve changed their travel to XXXX, we all have had poor experiences.

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 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
CERTIFIED MAIL TRACKING NUMBER XXXX Reference Number : XXXX Subject : Final Demand for Complete Debt Validation Under FDCPA 1692g Notice of Intent to Sue for Violations Dear Sir or Madam : Your XX/XX/XXXX, response to my XX/XX/XXXX, dispute ( including the generic pool Bill of Sale, Affidavit of Sale, and " Field Data '' summary ) fails to validate the alleged {$860.00} CareCredit debt ( account ending XXXX ) under 15 U.S.C. 1692g. I continue disputing this in full, as it remains unproven. Specific failures include : No proof of ownership : The pool Bill of Sale ( dated XX/XX/XXXX ) covers unspecified accounts without referencing my account number or SSN ending in XXXX, or providing a specific assignment. Courts deem this insufficient to establish a chain of title. 
No original agreement : Absent a signed XXXX  contract proving I owe this. 
Incomplete history : " Field Data '' lacks itemized transactions from opening ( XX/XX/XXXX ) to charge-off ( XX/XX/XXXX ) ; only vague summaries provided. 
Inconsistencies : Last payment date conflicts ( your initial letter : XX/XX/XXXX ; now XX/XX/XXXX, {$49.00} ) misleading under 1692e ( 2 ) ( A ). 
Missing items : No Master Account Sale Agreement ( forward flow, dated XX/XX/XXXX ) ; no NY statute of limitations confirmation ( 3 years from XX/XX/XXXX ) ; no licensing proof for you/Midland in NY. 
Cease all collections ( including reporting ) until you provide everything demanded previously, plus a specific account assignment. Continued efforts violate 1692g ( b ). 
Demands : Notify XXXX immediately : XXXX disputed and deleted unverified entries ( 1692e ( 8 ) ). This debt can not appear on my reports without full validationdoing so breaches FDCPA/FCRA. 
Contact only by mail : No calls, texts, or other methods ( 805 ( c ) ). Violations will trigger immediate suit.

Confirm in writing within 5 business days : Collection halted ; demands addressed. 
This is not a debt admission. Your failures ( including XXXXXXXX XXXX  pattern of violations ) entitle me to sue under FDCPA for 1692g ( b ) ( failure to validate ), 1692e ( false representations ), and more. I intend to file in federal court within 30 days unless fully complied with, seeking $ XXXX statutory damages, actual damages, fees, and costs. Expect service if needed. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: First Help Financial, LLC
State: NY

Complaint narrative:
In XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX and financed it through First Help Financial with a {$9500.00} down payment and a {$4500.00} extended warranty. Less than XXXX miles after dealer-performed repairs, the engine catastrophically failed. The XXXX has been in the dealers service center disassembled and inoperable for over XXXX months. Both the XXXX XXXX  DMV XXXX XXXX XXXX XXXX and the XXXX XXXX  Attorney Generals Office have opened investigations into the dealership for negligence and misrepresentation. Despite my repeated phone calls and numerous verified emails pleading for temporary hardship relief, First Help Financial has ignored every request, even as I pay over {$500.00} per week for XXXX to reach work. I have acted in good faith on every payment until now and am suffering severe financial and emotional distress due to this ongoing abuse and the lenders refusal to assist while the vehicle remains unusable. In short, XXXX XXXX XXXX XXXX has not upheld its end of the financing and warranty agreements, resulting in ongoing financial and consumer harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: NC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-06 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: NC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: TX

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. please help me get these accounts removed Immediately. account number 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 non-monetary relief
Consumer complaint received 2025-10-06 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: TX

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. please help me get these accounts removed Immediately. account number XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
{$9.00} every XXXX of every month. They havent given me any reason why I would be charged that

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