vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I have tried multiple times to discuss a fraudulent account transfer with my PayPal debit card with XXXX. Ive contacted XXXX and PayPal and told both of them in XXXX. The end of XXXX I believe XX/XX/XXXX through XX/XX/XXXX. There were fraudulent transactions from XXXX on my debit card that I did not authorize they keep telling me that I was the one that authorized them. No, I did not. It was an actual a professional scammer. Who did that I worked with an XXXX team who found where they had stolen my money and put it in XXXX  still with all that evidence PayPal denying me my refund of my money that was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Since transferring my banking relationship to Wells Fargo, I have experienced repeated inconsistencies in how they apply the terms of their deposit account agreement. It appears Wells Fargo selectively enforces provisions to their benefit, while disregarding those that protect the customer. 

Recently, I attempted to deposit a government-issued check for {$1800.00}. The teller informed me that a four-business-day hold would be placed on the entire amount, with no release of the required {$220.00} the next business day as outlined in Wells Fargos Deposit Account Agreement . Due to this violation, I deposited the check at another financial institution that followed standard federal availability rules. 

Additionally, the checks I ordered were printed incorrectly. When I called to resolve the issue, the representative reordered them but refused to expedite shipping. This left me unable to write checks for an extended period, despite the error being on Wells Fargos part. 

XXXX deposits have historically posted immediately. However, when my son sent {$110.00} via XXXX from his bank, Wells Fargo placed an unexplained hold on the funds. No notification or rationale was provided, violating the transparency and availability standards outlined in their agreement. 

These actions contradict Wells Fargos stated policies in their Deposit Account Agreement, including : Section on Funds Availability ( Regulation CC compliance ) Timely notification of holds Immediate availability of electronic transfers Prompt correction of bank errors I am requesting an immediate review of my account and a written explanation for these discrepancies. Furthermore, I demand that all future deposits and transactions be processed in accordance with the full terms of the Deposit Account Agreement, without arbitrary delays or selective enforcement.

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 2025-10-26 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: MA

Complaint narrative:
This is regards to CFPB finding the matter of previous complaint number XXXXclosed. In the companies response it did show the phone number associated with the account per them. The phone number if XXXX  comes back on XXXX search as a known fraudulent scan number through XXXX XXXX XXXX. Over the phone I was also told that the e-mail associated with the account does not match mine either nor would they provide me with the deliver zip code of purchases. It's all right there yet due diligence is not being addressed. When checking my credit report this morning they have since destroyed my credit yet again, even harder. This is unacceptable and I requested your assistance? The XXXX XXXX account was NOT opened by me and want it removed from all of the credit reporting agencies. What other proof is needed I did not open this account, the phone number XXXX XXXX supplied is a known scam number, they have the different e-mail address then my own and they refuse to examine and relay the zip code as to the whereabouts the said purchases went too. CFPB has made the experiences of being a victim worse than before submitting the complaint. Why would you close the complaint exactly?

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 2025-10-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consists of a collection with the account number XXXX appearing on my credit report. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned account, collections, or hard inquiries asreported. The aforementioned account, collections, and hard inquiries appearing on myconsumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: CA

Complaint narrative:
The emotional toll of this situation has been extremely overwhelming. I have lost sleep, experienced constant stress, and faced the embarrassment of being denied housing by landlords for something that should not be on my record. This has affected not only me but also my ability to secure safe and stable housing for my family. 
This debt collector has committed multiple unjustifiable violations of the Fair Debt Collection Practices Act ( FDCPA ). They reported and furnished an account that I never agreed to, nor did I sign any valid contract or agreement authorizing this debt. A legal contract must be signed by both parties, and I did not participate in or consent to any such agreement. 
Furthermore, the collector failed to follow the proper five-step validation procedure required under the FDCPA. As a consumer, I am legally entitled to verification of the debt and protection from false or misleading reporting. The failure to comply with these requirements constitutes a clear violation of my rights under federal law. 
I hereby demand that this account be immediately removed from my credit report and all related systems. I also reserve the right to seek compensation and legal remedies for the emotional distress, reputational harm, and violations of my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/scrub>XXXX XXXX  Balance {$47000.00}

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 2025-10-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Trusted Mortgage Capital Inc
State: OK

Complaint narrative:
I was contacted by XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) regarding a potential VA refinance loan. After he requested my mortgage statement, I sent it to him via email. Although I never submitted a formal loan application, he proceeded to discuss loan terms and sent me a breakdown of my current and proposed monthly payments. However, I was never provided with a formal Loan Estimate or any official disclosures required under federal law. 

During our phone conversation, XXXX XXXX verbally quoted a refinance interest rate of approximately 2 %. However, the written figures he later emailed reflected a rate closer to 5.25 %, based on the principal and interest breakdown. This discrepancy was never explained, and when I raised concerns via email, I stated that I would not proceed further due to the lack of transparency and misalignment between verbal promises and written numbers. 

Despite my clear written refusal to proceed, XXXX XXXX called me again XXXX weeks later asking for paperwork. When I reiterated my decision to work with another lender, he responded with pressure tactics, implying I was choosing to pay a higher interest rate. 

While I did not submit a formal application, XXXX XXXX initiated the transaction, requested financial documentation, and discussed specific loan terms. I believe this conduct violates the XXXX of the Truth in Lending Act ( TILA ) and the Real Estate Settlement Procedures Act ( RESPA ), particularly regarding transparency and fair dealing. 

I am submitting this complaint to request an investigation into XXXX XXXX practices and the company associated with XXXX XXXX XXXX. I am concerned that other consumers may be misled or pressured into loans without proper disclosures or accurate rate representations.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
On XXXX XXXX around XXXX, I received funds to cover emergency situation for food from a family member because I needed it for the next couple days. At XXXX I attempted to withdraw but the CashApp said it failed to withdraw. At XXXX it showed withdrawal for repayment on an existing loan I owe. I contacted customer service and they said I had to manually set payment to autopay off. I have done this beforehand, however, it keeps turning back on which I find is odd. I had it off, but due to them taking the funds later which is weird as well I cant have it reversed although it is a glitch in there system. Now Im sitting here with no money to eat for the next 2 days on top of not being paid because the shutdown. Attached is documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Previous complaint XXXX Once again purchased XXXX from Venmo. I was told via live chat and phone calls that it would available in 5 days because it takes that long for the bank to transfer the funds. I contacted bank and funds were transferred the day of the purchase/request. It has now been 5 days. I've phoned twice today and was disconnected after about XXXX hour wait each time without ever actually speaking to a person. I have done XXXX live chats today and after brief human contact and being told to wait while they checked into it, was disconnected after XXXX minute wait. No attempt has been made to get back to me. This is the same problem that happened in previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was defrauded by an individual selling an item on XXXX XXXX with a XXXX transaction. I was contacted subsequently via email saying the shipment was help up and I needed to pay a refundable deposit to clear the hold. I immediately called Bank of America and started a fraud claim for both transactions, the original purchase of {$710.00} and the shipping fake clearance {$500.00}. All emails and marketplace correspondence and XXXX transactions were promptly sent to 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 2025-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Receivables Management Partners, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX  had contacted me via text on XXXX, XX/XX/XXXX, their first time contacting me. They sent a picture of a statement showing a balance with our local hospital. I contacted them, spoke with a representative for over XXXX minutes on XXXX, XX/XX/XXXX. During that conversation I made it very clear that they were not to text me any further and I then requested they either email or mail me the information they have regarding any debt. The representative repeated to me what my requests were and would make sure texts would cease. I had filed a Complaint with CFPB as well in XXXX. 
On XX/XX/XXXX I received another text, with statement attached, from XXXX and proceeded to call and let them know that I previously requested verbally to have all text communication cease, and requested information to be sent by postal mail or email.... still no documentation has been sent to me. I also did request via text, '' stop '' as well after my call. 
They have failed to follow my request for information to be sent, which is my right and it has been over 30 days since that request. They also failed to stop text communication after my first verbal request to stop 30 days prior. A " stop '' text was sent after my second phone call. 
They are not compliant in their process and need accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I'm reporting an unauthorized transaction that happened through my PayPal account. I ordered products from a website called jblaudios.com, which which I later discovered is a fake site. After two small transactions, PayPal showed a {$550.00} payment to someone I do not know. My PayPal debit card was locked at the time, so I could not have sent any money. 

I reported this to PayPal, but they closed my case, saying the transaction was authorized, even though it clearly wasn't. I never approved or sent this payment, and I didn't receive any product or refund. 

I believe my account was accessed without my permission, and PayPal has not properly investigated the fraud. I am requesting that the CFPB contact PayPal to reopen this case and issue a refund for the unauthorized {$550.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-26 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: PA

Complaint narrative:
Im writing you again regarding an unresolved dispute I submitted about inaccurate late payment ( s ) being reported on my credit file. Since you failed to correct or remove the account despite clear legal grounds, I have now submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). This letter serves as a final demand for resolution before taking further legal steps. 
Account Details in Dispute : XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : 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 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX Email : XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Subject : Formal Notice to Cease and Desist All Communication Dear Credit Control Service, This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), directing your office to cease all communication with me regarding the alleged account referenced below : Creditor : XXXX XXXX XXXXXXXX XXXX 
Account Number ( partial ) : XXXX Reported Balance : {$54.00} Date Opened : XX/XX/XXXX Under federal law, once you receive this notice, you are prohibited from contacting me or any third party regarding this account except for the following limited purposes : 1. To advise me that your collection efforts are being terminated ; 2. To notify me that you may invoke specified remedies which are ordinarily invoked by your agency ; or 3. To inform me that you intend to take specific legal action. 

Please be advised that any further contact beyond these exceptions will constitute a violation of the FDCPA, 15 U.S.C. 1692c ( c ), and may subject your agency to civil penalties and damages under 15 U.S.C. 1692k.

Additionally, I dispute the validity and accuracy of the above-referenced account as reported to the credit bureaus. Therefore, I request that you cease all reporting activities until the alleged debt is fully verified and validated in compliance with 15 U.S.C. 1692g ( b ).

If you have any legitimate evidence of this alleged obligation, you may provide it in writing only to my address listed above.

Failure to comply with this notice will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of New Jersey. 

Sincerely, XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation