vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 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: Block, Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> Subject : Formal Complaint Regarding Cash App Account Closure and Failure to Respond to Appeal To Whom It May Concern : I am submitting this formal complaint regarding the abrupt closure of my Cash App account and Cash Apps failure to respond to my appeal within the required timeframe. 

My Cash App account was closed due to allegations of gambling payments. I have repeatedly informed Cash App that the transactions that triggered the closure were the result of unauthorized access to my account. My son, who shares the same name, accessed my Cash App without my permission and initiated transactions that led to the account restriction and eventual closure. 

I submitted a formal appeal through Cash Apps support channels, but Cash App has not responded at all, despite federal consumer-protection rules requiring a written response within XXXX business days. 

I respectfully request that your office : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX respond to my appeal. 


XXXX. Require Cash App to provide a written explanation of their actions. 


XXXX. Ensure that my appeal is properly reviewed and that my account is restored or otherwise handled in compliance with federal guidelines. 



I am prepared to provide screenshots, timestamps, and documentation of my appeal attempts and the account activity in question. 

Thank you for your assistance. Please let me know if additional information is needed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Phone : XXXX Email : XXXX Current mobile # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: PA

Complaint narrative:
I had a XXXX loan XXXX in bnakruptcy in 1999 ; XXXX servicer has since thrown loan into default despite paperwork submitted, as well as Trans Union has not done any further investigation to rectify the error

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 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: MRS BPO, LLC
State: SC

Complaint narrative:
1. Facts of the Complaint On XX/XX/year>, I submitted a written dispute to MRS BPO LLC via USPS certified mail regarding inaccurate and incomplete information being furnished to the credit reporting agencies by this company. On XX/XX/year> they received my dispute in the mail. 
Despite receiving my dispute, the creditor failed to mark the account as disputed by consumer within 30 days. 
As of XX/XX/year>, the derogatory account continues to appear on my credit reports without any dispute notation. 
This omission misrepresents the status of the debt, harms my creditworthiness, and violates federal law. 
________________________________________ 2. Violations of Federal Law The creditors failure to report the account as disputed constitutes violations of multiple statutes and regulations : Fair Credit Reporting Act ( FCRA ) : o 15 U.S.C. 1681s-2 ( a ) ( 3 ) : Furnishers must notify consumer reporting agencies when a debt is disputed.

o 15 U.S.C. 1681s-2 ( b ) : Upon notice of a dispute, furnishers must investigate and update reporting.

o 15 U.S.C. 1681i ( c ) : CRAs must note disputes in consumer files ; failure by furnishers prevents compliance.

Fair Debt Collection Practices Act ( FDCPA ) : o 15 U.S.C. 1692e ( 8 ) : Debt collectors must not communicate false credit information, including failing to report that a debt is disputed.

Regulation V ( 12 C.F.R. 1022.43 ) : o Requires furnishers to conduct a reasonable investigation of direct disputes and report results accurately.

Federal Trade Commission Act, Section 5 ( 15 U.S.C. 45 ) : o Prohibits unfair or deceptive acts or practices. Misrepresenting the status of a debt by omitting the dispute notation is deceptive.

4. Supporting Documentation Attached are : A copy of my written dispute letter dated XX/XX/year> Proof of delivery/receipt by MRS BPO LLC .

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
OneMain was supposed to pay off several of my credit cards and loans but failed to pay XXXX, despite me providing the correct mailing address. Instead of notifying me or resolving the issue, they applied those funds to my OneMain loan without permission. Because of this, I am still responsible for the XXXX balance and now stuck with a consolidation loan that ultimately costs me more. 

Over the past two weeks, they have called me 27 timesoften multiple times a day from different numbersalong with sending texts and voicemails. Most of these calls happen while Im at work, where I can not take personal calls due to company policy and dash-cam monitoring. They have also contacted me on weekends, even the day after XXXX, despite me having XXXX very young children at home. 

Given the failed agreement and the excessive, disruptive contact, I am requesting to be placed on the Do Not Call list and for the debt to be cleared and written off on both ends.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
In XX/XX/year>, I received a Pre-Legal Notice from Midland Credit Management ( MCM ) claiming to collect on an alleged XXXX credit card account. The letter was dated XX/XX/year>, but it was mailed days later in a XXXX XXXX envelope, showing a label creation date of XX/XX/year> and delivery on XX/XX/year>. The letter was back-dated, which created a false sense of urgency and misrepresented the time I had to respond. 
This was the first communication I ever received from MCM. The letter did not include the required validation-of-debt disclosures under 15 U.S.C. 1692g ( a ), including notice of my right to dispute the debt within 30 days. It also failed to provide the mandatory statement that this is an attempt to collect a debt, as required by 1692e ( 11 ).

The notice suggested that the account may be forwarded to an attorney for possible litigation, even though the communication appeared to
be a mass-produced form letter with no actual attorney involvement. This is misleading and violates 1692e ( 5 ) and 1692e ( 10 ), which prohibit threatening legal action that is not intended or legally permissible and misleading consumers about potential consequences.

The combination of the false mailing date, omission of validation rights, and suggestion of imminent attorney review made the communication deceptive and confusing. Federal courts have repeatedly found similar conduct by MCM to violate the FDCPA. I am requesting that the CFPB review these practices and ensure compliance with federal and state debt-collection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
In XXXX  PayPal randomly decided to ban my account for no reason other than the fact that I was personally scammed by somebody. It seems that theyre punishing me for being the victim of a scam. 

I want my account reinstated, that they did not provide any explanation as to why it was banned, nor did they provide an option for an appeal. 

It is not right to randomly banned somebody for them being the victim of somebody else elses financial crimes. I want my account back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I am a XXXX consumer recovering from a severe XXXX that caused cognitive impairments, amnesia, and difficulty reading or understanding written information. During the time my LoanMart account became delinquent, I informed the company that I could not read, write or comprehend mailed notices or instructions, and I requested assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: NY

Complaint narrative:
I discovered my credit report has an amount that I did not recognize. A Collection account for {$5200.00} which is now reporting at {$7300.00}. I reached out to Transunion several times since XXXX but up to this date they have not removed this Collection from my report. 
When I apply for loans or try to do business, that collection is hurting my approval. This account has me listed as a cosigner/co maker, and I never co signed to any such account. 
I list below an excerpt from my monitor service : " Credit Report Details Creditor Name XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Account Type Collection Account Info Last Updated By Creditor XX/XX/XXXX Balance - {$7300.00} Highest Balance {$5200.00} Date Opened XX/XX/XXXX Account Disputed No Account XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Creditor Info 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 2025-11-30 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: FL

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized and fraudulent accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me.

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these fraudulent accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain.

I respectfully request that the CFPB compel the credit bureaus and furnishers to provide full validation of each disputed account or immediately delete them from my credit reports to restore the integrity of my consumer file. 

Unauthorized Accounts Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$1400.00} Date XXXX XXXX XXXX XXXX XXXX  Amount : {$2000.00} Date XXXX XXXX ) XXXX XXXX Amount : {$9400.00} Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized and fraudulent accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me.

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these fraudulent accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain.

I respectfully request that the CFPB compel the credit bureaus and furnishers to provide full validation of each disputed account or immediately delete them from my credit reports to restore the integrity of my consumer file. 

Unauthorized Accounts Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$1400.00} Date XXXX XXXX XXXX XXXX XXXX  Amount : {$2000.00} Date XXXX XXXX ) XXXX XXXX Amount : {$9400.00} Date 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 2025-11-30 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: Paypal Holdings, Inc
State: AR

Complaint narrative:
I opened my PayPal account in XXXX and used it in good standing with no prior warnings, strikes, or previous limitations. PayPal has been my primary payment platform for personal transactions and online purchases for several years. 

On XX/XX/XXXX, PayPal permanently limited my account without any prior notice or opportunity to address concerns, originally stating only that the action was taken for security reasons, without providing any further explanation. 

I work in XXXX XXXX and have been in the field since XXXX. I am familiar with how VPNs and proxy services operate and only use VPN software on corporate-managed devices for work purposes. I do not use VPNs or anonymizing services for personal financial accounts.

After the limitation, I contacted PayPal support multiple times requesting clarification and evidence. PayPal initially refused to provide any specific reason and repeatedly stated the decision was final without explanation. 

Due to the lack of transparency, I filed a XXXX XXXX XXXX complaint in XX/XX/XXXX ( Complaint # XXXX ). Only after filing the complaint did XXXX provide more detail. On XX/XX/XXXX, I received an email from XXXX with PayPals Office of Global Customer Complaints and Advocacy claiming the limitation was due to alleged VPN/proxy usage and alleged shared information with another limited account. 

I dispute both allegations. I have never shared my PayPal account, device, phone number, or financial information with anyone else. No evidence, documentation, or technical data supporting either claim has been provided.

PayPal has frozen my remaining balance and informed me that my funds will be held for up to 120 days, with a stated release date of XX/XX/XXXX. This has affected my ability to meet financial obligations and restricted access to funds I rely on for normal living expenses. 

I am requesting regulatory assistance to require PayPal to disclose the specific basis for the limitation, provide the technical evidence behind the VPN determination, conduct a proper manual review, reinstate my account if no violation is substantiated, and release my funds without further delay if PayPal can not support the decision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: NE

Complaint narrative:
I only can upload a screenshot of the closed accounts with dates

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I reached out to these companies, XXXX XXXX as well as LVNV Funding, to remove these items off of my credit report due to me being incarcerated and them being a fraudulent account that was open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: KY

Complaint narrative:
I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This is NOT an admission that I owe any of the alleged debts listed. I am requesting verification, documentation, and compliance under the FDCPA, FCRA, and SCRA.

Multiple companies are reporting inaccurate, incomplete, or unverified information on my credit reports. The credit bureaus marked several disputed items as verified without providing the Method of Verification required under FCRA 611.

No company has provided : A signed contract or agreement Proof that the debt was legally assigned/sold An itemized breakdown of charges A full payment history Evidence that the account is valid and collectible Documents used during reinvestigation Names of the individuals who verified the information Accounts involved include : XXXXXXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX$420.00} XXXXXXXX XXXX XXXXXXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payment XXXX XXXX XXXX XXXX Late payment XXXX XXXX XXXX XXXX Late payments XXXX XXXX XXXX history XXXX  verified several items without providing documentation or proper Method of Verification. 

As a XXXX XXXX under SCRA, I am requesting proper handling, full validation, and correction of unverified information. 

This is a request for verification and accuracy not an admission of liability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Back in XX/XX/year>, I saw a charge on my checking account that I did not authorize. I immediately reported it to my bank ( Chase ) and they credited me the amount and said they would investigate. Two months later in XX/XX/year>, Chase alleges they received confirmation that I did authorize the charge and that they would not issue me my funds back and charged me {$120.00}. At this point I investigated and found I was mistakenly and without my authorization charged for a service I do not use. I called the merchant and they confirmed that I did not authorize the charge and told me they issued a chargeback on my account in XX/XX/year>. I called Chase and informed them on this information and provided proof yet they have not changed their position. Hence I was robbed the {$120.00} from Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
On XX/XX/year>, my Apple Card issued by Goldman Sachs Bank USA was charged {$640.00} by the merchant XXXX XXXX  for a flight I never received. Their website malfunctioned, and the payment processing did not go through until several days later. I never received a ticket confirmation, flight information, or receipt from XXXX XXXX 

Because the original flight was never issued, I immediately contacted Apple Card/Goldman Sachs as soon as I saw the charge on my account, approximately one week later. I purchased a different flight elsewhere for about half the price in order to secure travel.

I have reopened this dispute countless times, providing evidence including : Documentation showing payment for the flight I actually took Correspondence with XXXXXXXX XXXX  indicating no ticket was issued for the original transaction Receipts and proof of the second flight Boarded flight details Despite clear evidence, Goldman Sachs repeatedly closed the dispute under dispute case number XXXX, stating there was no evidence to substantiate my claim. The charge has now remained on my account for over two years, accruing interest and fees.

I am requesting that Goldman Sachs : Immediately reverse the disputed charge of {$640.00} Remove any interest or fees applied due to this invalid charge Provide a clear explanation of why my extensive evidence was deemed insufficient This dispute has consumed an extraordinary amount of time, energy, and mental bandwidth over the past two years. Filing this complaint with the CFPB is my final step to have the matter formally reviewed and resolved. I am requesting prompt action so that I can move on and focus on my work and business. Thank you for your time and help.

Company response to consumer: Closed with explanation