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: Managing, opening, or closing your mobile wallet account — 
Company: Klarna AB
State: NV

Complaint narrative:
Order XXXX XXXX XXXXXXXX XXXX  order of tabletop pool table totaling {$81.00} never arrived, returned XXXX by XXXX XXXX XXXX as non-deliverable. Klarna refused my directive to close account as they repeatedly attempted to charge debit card ending in XXXX for item returned undelivered to sender. Despite my bank charge back XXXX XXXXXXXX to refund past payment & cancel recurring charges, Klarna fraudulently obtained my new card ending in XXXX to keep " pause '' status & deny me right to close account.

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: CA

Complaint narrative:
Cash app I have been reporting to a lot of scams and impersonating merchant logos that I have had to block and that have submitted unauthorized payment transactions for goods or services that I was unaware of or that I had already paid for, and they were duplicated transactions. 

I have issues with my refund activity, not showing in my Cash app activity when it is refunded on the actual date and time it was actually refunded. 

My Cash App activity monthly is suspect and it is not accurate. My Cash App activity seems to be fraudulently missing some of my past monthly, weekly and daily transactions. 

Cash App delays refunds and borrow features and follow up from management and lending department for cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: MO

Complaint narrative:
this business is falsely advertising. they keep sending me ads to sign up then when I do they won't let Me use the account. they have ran my credit and gave me XXXX to spend but each time I go to use it they decline it and keep trying to charge a higher and higher amount on my debit card until I just pay the order in full which could have went on my credit card. I am asking the bbb to reach out to the company and act as a mediator before I sue them!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

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. 

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 List of Unauthorized Inquiries : XXXX - XX/XX/year> XXXX 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: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/year> Lvnv Funding Llc Lvnv Funding Llc ACCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation Pursuant to 15 U.S.C. 1692g Dear Lvnv Funding Llc I am writing in response to your claim that I owe a debt. This letter is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge or accept responsibility for this debt and request that you provide proper documentation to verify your claim. 
Please provide the following : XXXX. The name and address of the original creditor. 
XXXX. The amount of the alleged debt, including a detailed accounting of any fees, interest, or charges. 
XXXX. A copy of any judgment ( if applicable ). 
XXXX. Copies of any documents bearing my signature that show I agreed to assume this debt. 
XXXX. Proof that your agency is licensed to collect debts in my state. 
Until this debt is properly validated, you must cease all collection activity, including reporting to credit bureaus, per the FDCPA. Be advised that any further attempts to collect without proper validation may constitute a violation of federal law.

This is a request for information only and is not a refusal to pay. Please respond within 30 days from receipt of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I purchased car XXXX I put XXXX down and financed about XXXX. I set up automated pay immediately. Payments were taken out automatically every month starting XX/XX/XXXX for approximately 1 year. Then Nissan Motor acceptance suddenly stopped, and failed to notify ( nor via mail, email or phone ). I did not realized that the autopay for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX was cancelled until my car was repossessed on XX/XX/XXXX. 
I called Nissan Motor Acceptance on XX/XX/XXXX to find out what happened. I recorded the entire conversation. I was notified that they had a system upgrade in XXXX of XXXX, and that they claimed that they have notified all customers about a system upgrade via mail. I have not received such communication in the mail. In fact, I have not received any communication in the mail. However, I did call on XX/XX/XXXX ( which the agent told me they had on record ) to notify Nissan Motor Acceptance about my new email. During this phone call on XX/XX/XXXX, they failed to inform me about the system upgrade. Continuing with the conversation on XX/XX/XXXX, Nissan Motor Acceptance said that the stop in autopay was most likely triggered by the system upgrade they did, but she was not willing to admit to any wrong doing at this time. They then said they tried to call me 5 times in XX/XX/XXXX ( no calls in XXXX and no calls in XXXX of XXXX ), and they could not reach me, but also never left a voice mail. She gave me the exact dates and times ; I doubled checked these with my phone provider of which I requested and received my call logs for the month of XXXX, XXXX, and XXXX of XXXX. These clearly show no incoming/missed calls on behalf of Nissan Motor Acceptance at the dates and times the agent from Nissan Motor acceptance had provided. Clearly, there were no attempts made to notify me. In addition, I received no email, or mail. 
At this point, I believe they have illegally repossessed my car due to the cancellation of my autopay without notifying me. It also seems very intentionally due to the lack of communication. 
I was able to redeem my car, by paying the outstanding balance, plus late fees, plus repossession fees, plus towing fees, and plus other fees. I have not received a clear breakdown of these charges.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It gives the wrong impression about my financial goals.

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 card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
I have a newly opened XXXX XXXX Account through Continental Finance. I have tried for XXXX weeks to get on their Website with no help from them I am beyond frustrated. I followed every step to fix the issue to no avail. Virtually impossible to speak to Rep. I have spent hours on this. They hung up on Me twice. Phone line went dead after being transferred around to different departments. Why do they get away with this? They have hundreds upon hundreds of complaint. I need a resolution to this problem. They are jerking Me around. Not the way to treat a XXXX. Can You get this resolved? Thanks. I have emailed the address they gave Me, with the info of a cell phone change, but they never responded.

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 card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX'I just received a credit card from capital one, in which I was approved for. The card was received XXXX. I was able to use it with no problems. When I tried using it again on XXXX, it was declined repeatedly. I called capital one and spoke to someone and asked if there were any issues, and they said no. I asked again, and they assured that there was no fraud suspected. The representative advised me to use the virtual card. He also stated that if I continued to have issues to call back. I tried using the credit card again. I was still being rejected. Then I received a text message saying that there was suspicious activity on the account. And to please contact the XXXX XXXX XXXX XXXX. I called the number. A miss Ana answered. I explained that my payment was being declined. First she said  needed to answer security questions. Then she ends up saying, that I have to provide a proof of ID, proof of identity, and XXXX  months of bank statements. So I told her, his is it possible, that I was approved for the card, I even started to use it and all of a sudden they request documents? Thats so backwards . So, I asked for a manager. And the manager says the same thing. Thats very weird. And frustrating for me. Being embarrassed with declining purchases. This whole situation with approval of my application, and then requesting documents. Im really upset. XXXX even tried uploading my ID on the app and it did not allow me to even before all of this.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: United PanAm Financial Corp.
State: NJ

Complaint narrative:
Date : XX/XX/XXXX To : XXXX XXXX XXXX Co XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX Email : XXXX Re : Account No. XXXX Auto Loan / Experian Reported Charged-Off To Whom It May Concern, This letter serves as a formal CEASE AND DESIST and DELETION REQUEST under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) concerning the above-referenced account. 

It has come to my attention that XXXX XXXX XXXX Co continues to report an account as charged-off with a remaining balance of {$3500.00} to XXXX or more consumer reporting agencies, despite the account being written off and closed since XX/XX/XXXX and transferred for IRS charge-off reporting purposes.

Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting information that is inaccurate or incomplete, and 15 U.S.C. 1681i grants consumers the right to request reinvestigation and deletion of unverifiabl
e or obsolete information.

Additionally, under IRS regulations ( 26 U.S.C. 6050P ), once a creditor has issued or is required to issue a Form 1099-C Cancellation of Debt, the account is legally recognized as discharged. Continuing to report a balance or delinquency after charge-off constitutes false reporting and potential double-collection, which violates the FCRA and FDCPA.

Therefore, I demand the following actions : 1. Immediate deletion of all credit reporting related to this account from XXXX XXXX XXXX XXXX  ; 2. Cease and desist from any further communication or reporting of this account as delinquent, past due, or charged-off ; 3. Provide written confirmation of deletion and correction within XXXX business days of receipt of this letter ; and 4. If you claim continued validity of this reporting, provide verifiable documentation showing a lawful balance owed and proof that a Form 1099-C has not been filed with the IRS.

Failure to comply will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney Generals Office, as well as pursuing remedies under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 



Sincerely, XXXX XXXX ( Signature ) SSN ( Last XXXX ) : XXXX XXXX : XX/XX/XXXX

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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this formal follow-up to my complaint XX/XX/XXXXXXXX regarding Equifaxs ongoing failure to properly investigate and remove fraudulent information from my credit report. 

Equifax continues to claim they need more time, despite the fact that I have already provided clear and sufficient evidence, including : A Federal Trade Commission Identity Theft Report A Police Report verifying the identity theft Supporting documentation establishing that the disputed accounts were fraudulently opened Instead of conducting a genuine reinvestigation as required under 15 U.S.C. 1681c-2 ( FCRA Section 605B ), Equifax has inserted blank or meaningless comments into my report to create the appearance of activitywhile the fraudulent accounts remain uncorrected. 

This behavior constitutes a continued violation of federal law, as Equifax has been in possession of verified proof of identity theft and has failed to fulfill its legal obligation to block and remove the fraudulent accounts within the statutory time frame.

At this point, Equifaxs conduct appears to be willfully negligent and malicious, and I am preparing to pursue legal action for damages resulting from these ongoing violations of my rights under the Fair Credit Reporting Act.

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: SC

Complaint narrative:
If I did transactions through cash out on the weekends if it was {$500.00} within a few days if you want like a XXXX was taken out of my account it made it seem like it's all authorized they will say it would be a delay I went along with this cuz it looks so real but I believe they owe me about {$2500.00} This is over years of time I've been trying to find some way to catch him and not succeeded

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/year> Central Portfolio Control Central Portfolio Control XXXX XXXX XXXX XXXX MN XXXX Subject : Request for Debt Validation Pursuant to 15 U.S.C. 1692g Dear Central Portfolio Control I am writing in response to your claim that I owe a debt. This letter is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge or accept responsibility for this debt and request that you provide proper documentation to verify your claim. 
Please provide the following : XXXX. The name and address of the original creditor. 
XXXX. The amount of the alleged debt, including a detailed accounting of any fees, interest, or charges. 
XXXX. A copy of any judgment ( if applicable ). 
XXXX. Copies of any documents bearing my signature that show I agreed to assume this debt. 
XXXX. Proof that your agency is licensed to collect debts in my state. 
Until this debt is properly validated, you must cease all collection activity, including reporting to credit bureaus, per the FDCPA. Be advised that any further attempts to collect without proper validation may constitute a violation of federal law.

This is a request for information only and is not a refusal to pay. Please respond within 30 days from receipt of this letter. 
Sincerely, XXXX XXXX

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: Early Warning Services, LLC
State: NC

Complaint narrative:
I received a {$650.00} Zelle payment from someone I did not know. The sender then started texting and calling me, saying that the transfer was a mistake and can I just send them {$650.00} back to fix the problem. I think that this is a scam, so I called XXXX ( my bank ) and Zelle asking them to just reverse the transaction and neither XXXX nor Zelle says that they can ( the transaction is showing as pending ). Now the sender is harassing me and threatening to press charges even though I told them that I would file a claim and ask Zelle to reverse the charge as soon as possible. This seems like a huge security hole with platforms like Zelle that a scammer can send me money without my consent and get my phone number, my name ( and now my address from XXXX ) and then pressure me into sending them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I had a XXXX at Wellsfargo with about {$87000.00}. It was a XXXX CD with about 4 % APY yield. It matured on XX/XX/year>. I did not receive email alerts that the XXXX was maturing and only realized on XX/XX/XXXX that it had matured and been rolled-over automatically. At that time, I called the Wells to withdraw the funds. I was told that the funds were rolled over into another 6 month CD at XXXX XXXX. When I asked to liquidate it, I was told there would be a 3-month interest penalty although the CD had only been rolled over 14 days ago. Since I am currently overseas, I was also asked to fill out forms, get them notorized, and then mailed back to Wellsfargo, a process I find quite dated/unnecessary, especially since the bank does not require that process for other types of funds transfers. 

Two issues : -If Wells had to rollover my funds, why not give me a more favorable rate that is extended to premier customer rate that was extended to me on all previous occasions. Their website lists 4-month products at XXXX XXXX  and XXXX at XXXX XXXX. 
-Assessing a 3-month penalty to liquidate ( on top of the paperwork to do so ) seems overly punitive given the XXXX had been renewed only 14 days prior.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This complaint is being made because I have filed. FTC reports with all three credit bureaus, and they refuse to remove accounts that are not reported correctly accounts that do not belong to me. Also, I have accounts that Ive never been laid on and theyre reporting them late inconsistent late payment accounts. Im on the same days between each bureau. I also have addresses that do not belong to me and Experian refused to remove inquiries that I did not authorize the other bureaus have removed the inquiries, but Experian refuses to. I am placing this report in reference to all three bureaus because of their inconsistent investigations and reporting and their data preachers that have caused damage to my 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