vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: FL

Complaint narrative:
My US Bank card was scammed earlier in the year same as my other credit cards. A payment made and then reversed which left me to pay over XXXX. I have the account on auto pay and have been paying from my XXXX account each month. In checking my XXXX  account I saw a payment for {$150.00} Interest not the usual. Did I remember that this card was no interest for XXXX months - NO I did not. I called 3 times yesterday and briefly spoke to 3 people who could not help me when I told them I am going thru XXXX XXXX  every XXXX weeks and can not afford this outrageous interest. No one would help and I was essentially told it is what it is! When the scammer made a XXXX payment earlier in the year they refused to investigate the source. I had been scammed again! My credit is already in the dumper because of these XXXX XXXX imposters and his manage XXXX XXXX. I need someone to come up with a payment I can afford, I have been paying {$150.00} .. XXXX each month. Let me pay this off with no interest they can well afford this I need help now

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
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! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The complete lack of verified documentation supporting the accuracy of this information, along with the circulation of data that has not been properly validated, constitutes a direct breach of the requirements set forth in 15 USC 1681i ( 7 ). This failure to comply is both concerning and extremely frustrating, especially considering the legal duty to ensure accuracy and fairness.

For these reasons, I request the immediate deletion of this account unless you can provide credible, verifiable proof confirming its legitimacy. Any further delay only heightens the frustration caused by the disregard for regulatory standards and the procedures designed to protect consumers from inaccuracies.

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 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I never opened a credit card with Capitol one, and Im getting messages saying that purchases were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX ( Synchrony bank ) credit company that misrepresented its pre-qualification process and then performed an unauthorized hard credit inquiry on my credit report. 
The company advertised on its website that I could prequalify with no credit pull and that the process would not affect my credit. Relying on this representation, I completed their pre-qualification form. Despite their explicit claim that no credit check would occur, the company performed a hard inquiry on my credit report. 
At no point did I authorize or consent to a hard inquiry. I only proceeded under the beliefbased on their own statementsthat the check would be a soft inquiry. This deceptive practice negatively impacted my credit profile and violated my right to informed consent regarding access to my credit history. 

I am requesting that the CFPB investigate this company for : Misrepresentation of its pre-qualification process Performing a hard credit inquiry without proper disclosure or authorization Potential violations of the Fair Credit Reporting Act ( FCRA ) regarding permissible purpose and consumer consent I am seeking the removal of the unauthorized inquiry from all credit bureaus ( XXXX XXXX  and XXXX  ) and assurance that the company will correct its misleading advertising practices.

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 2025-12-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
They threatened to notify my employer and have me arrested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX a XXXX dependent adult without any family or support in XXXXXXXX XXXX XXXX I was forced to sell my home and opened a new Bank of America account. I went into the XXXXXXXX XXXX Branch and told them about a XXXX XXXX dollars was going into my account and to please help watch it for me because I was scared of losing it. Within 3 months it was all gone. My statements show XXXX dollars a day being withdrawn and thousands every day being transferred. I was in a motel with my cats and off my medication and without a XXXX caregiver like Id had for years. At XXXX point I went to the branch and said people were taking my money and withdrew XXXX cash and told the banker it was safer in my cat XXXX. ( Which got stolen ) I left stuffing the money into my shorts pockets. I ended up losing everything and being homeless over a year sleeping on a dirty mattress in a field under a tree. Ive been beaten almost to death humiliated and Im so traumatized I dont think I will ever heal. The bank I found out later was obligated to report these crazy transactions and report to adult protective services that someone might need them. If they had come they would have seen how confused, alone, lost, and without medication and they would have helped me. They could have frozen my account they could have XXXX me for help. They could have gotten rid of the horrible people coming in and out of my room telling me lies like they were my new caregiver sent from XXXX to take care of me. Im still suffering and now have XXXX XXXX XXXX XXXXXXXX. I want the bank held accountable. They broke the law by not reporting this. They knew I was a dependent adult. I told them I dont have time for a big lawsuit but I would like a settlement I deserve so I can live in peace. I dont know. Call me if you want. Thank you. The following attachment is password protected. 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 monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: MI

Complaint narrative:
My cards were stolen then {$900.00} in funds were stolen from my Cash App. I complained to then and instead of them investigating my problem, they said I did something wrong then closed my about and never investigated my car. My account is still closed and I didn't know what I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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:
I am formally disputing the accounts and inquiries listed below due to potential inaccuracies and concerns arising from prior data breaches affecting consumer credit information. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to ensure maximum possible accuracy of all reported information ( 602A, 607 ( b ) ) and to conduct a reasonable reinvestigation of any disputed items ( 611 ). Because my personal data may have been compromised, I am requesting a full reinvestigation and verification of each account and inquiry to confirm accuracy and legitimacy. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-07 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: MA

Complaint narrative:
I had two unauthorized transactions on my Venmo account for {$110.00} each from a merchant listed as XXXX XXXX XXXXXXXX XXXX. According to Venmo agent, these were international transactions from XXXX. I did NOT authorize either transaction and I never made any purchase from this merchant. 
As soon as I saw the pending charges, I contacted Venmo immediately. They confirmed the transactions were international and advised me to freeze and replace my card, in which I did. They also told me they could not cancel the pending transaction until they were completed. I followed all of their instructions and then submitted an unauthorized transaction dispute as soon as the charges posted. 
Venmo told me the investigation would take up to 10 days. They later denied my dispute and claimed the transactions were authorized, but they did not provide any explanation or evidence showing how they reached that conclusion. I did not authorize these transactions, did not make these purchases, and did not provide my card information to any merchant in XXXX. 
Venmo has not provided transparency or documentation supporting their denial, I will take these steps to mail them requesting the supporting files. I am requesting that Venmo and the issuing bank re-evaluate this case properly under Regulation E, as these were unauthorized electronic fund transfers. I am also requesting the investigation documents, including : All authorization logs Merchant-provided receipts or records Device/IP address/tokenization data Internal investigation notes Any communication received from the merchant Any evidence used to determine the transaction was authorized I am filing this complaint because Venmo denied my dispute without providing any information and the charges were clearly unauthorized. I am asking the CFPB to help ensure Venmo and the issuing bank comply with Regulation E and refund the unauthorized transactions

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-07 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: MI

Complaint narrative:
I tried to apply for a auto loan and was recently told that I had a auto loan out through XXXX  XXXX that I did not recognize. A scammer obtained my SSN and other PII ( Personally Identifiable Information ) through a data breach or a phishing email designed to look like a dealership asking you to " verify '' details.

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 2025-12-07 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: MI

Complaint narrative:
I tried to apply for a auto loan and was recently told that I had a auto loan out through XXXX  XXXX that I did not recognize. A scammer obtained my SSN and other PII ( Personally Identifiable Information ) through a data breach or a phishing email designed to look like a dealership asking you to " verify '' details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX XXXX XXXX filed a lawsuit against me in XXXX XXXX, Florida, without ever serving me notice of the lawsuit. I discovered the suit only because I received unsolicited advertisements from attorneys, not because the Plaintiff or their law firm complied with Florida service requirements. 

This legal action was taken while my account was in an active CFPB dispute, an XXXX state regulatory complaint, and after Capital One issued a written cease-and-desist letter dated XX/XX/year>. Capital Ones letter explicitly states that the account was placed with XXXX XXXX XXXX from XXXX XXXX XXXX XXXX then placed with XXXX XXXX XXXX, and that Capital One is no longer servicing this account.

This contradicts the representation now being made in court that Capital One is the rightful Plaintiff with standing. 

XXXX XXXX XXXX also conducted unlawful collection activity in Florida prior to litigation while using an invalid business entity ( XXXX instead of XXXX ). Their filings, letters, and statements use XXXX XXXX XXXX XXXX XXXX, which is not licensed or registered as a Florida collection agency under Chapter 559, Florida Statutes.

The only license found in Florida is for a different entity ( PLLC ), creating a serious chain-of-authority defect. 

Despite multiple validation requests, no contract, no chain of custody, and no lawful documentation were ever provided. Instead, they repeatedly sent only monthly statements, which do not satisfy verification requirements under the FDCPA or Floridas FCCPA.

Suing a consumer without serving notice, during an active federal dispute, while using an unlicensed entity, and without proper validation constitutes abusive, deceptive, and unlawful conduct. This appears to be an attempt to secure a default judgment through improper means. 

I am requesting full investigation and regulatory action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ADP Inc.
State: NC

Complaint narrative:
On XX/XX/year>, my employer ( via ADP ) sent a payroll deposit to my Wisely account. The deposit was approximately {$2300.00} over Wiselys {$10000.00} load limit. ADP and my employer confirmed the deposit was successfully sent and not returned. However, Wisely placed the deposit on a compliance hold. 

Wisely never provided any written notice regarding this hold. I received no email, letter, or in-app notification explaining that my funds were being withheld, why they were being held, what documentation was required, or how long the review would take. This is the first issue. 

On XX/XX/year>, I called Wisely after noticing the funds were still missing. That was the first time I was told that a compliance hold existed. During that call, Wisely asked me to submit documents, which I did immediately. Despite submitting everything requested, I still have not received any written communication from Wisely explaining the hold, its reason, or its status. Multiple follow-up calls only result in being told to wait two more business days, with no escalation possible because a compliance case already exists. 

This situation has caused serious financial hardship. I was laid off from Global Process Automation at the end of XX/XX/year>, so this payroll deposit was essential income. Because Wisely never provided written notice of the hold, I had no opportunity to make alternative arrangements. As a result, several of my scheduled payments have bounced, and I am incurring financial harm directly due to Wiselys lack of required communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This is an official notification that all student loans have been consolidated, and these separate and induvial loans are factually inaccurate.

I am writing to dispute the following accounts appearing on my credit file with you XXXX and Transunion. Under the Fair Credit Reporting Act 15 USC 16181 credit reporting agencies must ensure that all information is accurate, if not, you are legal obligated to remove. Please investigate and remove any inaccurate information that can not be verified. I am requesting you identify which accounts that XXXX still holds, and which accounts you have transferred/sold. These accounts are inaccurate on its face. You have 20 different accounts with the same partial account numbers with varying recent balances. 

Disputed Accounts/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Numbers : Partial Account Numbers : XXXX. 
Requested remedy : I am requesting that XXXX XXXX XXXX provide the documents listed below or inaccurate information be removed immediately from all credit reporting agencies.

1. Assignment Contract or Full Chain of Assignment 2. Transfer Details 3. Bill of Sale Please complete your reinvestigation within the statutory period and mail an updated copy of my credit report to the address above. I am requesting to be provided with the source, to include contact name and method used to verify your findings. If your investigation finds that any of the above accounts are inaccurate were made without a permissible purpose, kindly remove them from my file.

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 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Over the past several years, multiple banks and financial institutions have reported accounts, transactions, and negative banking activity to Early Warning Services ( EWS ) that I did not authorize or participate in. These include claims of checking account fraud, account abuse, returned checks, unauthorized ACH withdrawals, overdraft activity, and rapid account openings/closures that I did not initiate.

I discovered these issues when I obtained a copy of my Early Warning consumer report. The report contained numerous inaccurate, fraudulent, or identity-theft-related items connected to multiple financial institutions. Many of these accounts were opened and closed within days, contained abnormal or high-dollar ACH transactions, or were reported as closed for cause, overdrawn, or account abuse. These activities do not reflect my actual banking behavior. 

I did not authorize the creation of these accounts, the transactions associated with them, or the negative activity reported. This appears to be the result of identity theft or unauthorized access that occurred without my knowledge. Because of these inaccurate and fraudulent entries, I have been denied banking services and have experienced financial harm, reputational damage, and difficulty opening or maintaining legitimate accounts. 

I contacted Early Warning Services and disputed the information, stating that the reported items are inaccurate, incomplete, or fraudulent. I requested that they block and delete the identity-theft-related items under the Fair Credit Reporting Act ( FCRA ), but the information has not been corrected or removed. 

I am asking the CFPB to assist in ensuring that the companies involved properly investigate the disputes, verify the information, and delete any unverifiable, inaccurate, or fraudulent data in compliance with the FCRA. The information being reported is harming me and is not accurate or authorized.

Company response to consumer: Closed with explanation