vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: RI

Complaint narrative:
I closed this account on XX/XX/year> and paid my balance of {$20.00}. They are continuing to charge me {$6.00} service fee for an account that I closed. I have a perfect payment record for 5 years.

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 2025-12-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: NJ

Complaint narrative:
My XXXX XXXX XXXX son received an unsolicited bank card from a company called NETSPEND in XXXX XXXX, with an account opened at a bank called XXXX XXXX bank. This was completely unsolicited and this product was directed at a XXXX  that is not prepared to handle his own bank account and finances.

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 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XX/XX/year> Deposited $ XXXX check from payor, who happens to be my mother, to cover lost business income, while I was aiding in her medical relocation to XXXXXXXX XXXX 
XX/XX/year> Funds sent from payor 's bank, XXXX, sent to payee 's bank, CHASE. 
XX/XX/year> Received notice from CHASE that hold would be placed on funds until XX/XX/year>. 
XX/XX/year> Received a notice from CHASE : " Important ; To protect against potential fraud, we restricted your account and it may close soon. '' XX/XX/year> Visited the local CHASE branch XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Spoke to manager ( XXXX XXXX ). He said that CHASE did not like the " XXXX '' on the check, felt it was tampered with. I explained that the payor ( my mother ) has XXXX XXXX XXXX and her XXXX XXXX He then said in order for CHASE to release the funds, the payor would have to list her mobile number in public records. The payor, did not feel comfortable making her mobile number " public records, '' nor did the payor feel that another bank for where she is not a customer should be demanding such from her. Nor would CHASE allow her to physically enter the branch and provide her US Goverment ID to prove her identity and confirm she did indeed write the said " XXXX '' check to her daughter, the payee. CHASE CLOSED ACCT. XX/XX/year> Payor requested that CHASE return the funds to her BANK, XXXX. Chase informed it was too late to return the funds. 
XX/XX/year> CHASE confirmed payor 's mobile phone was verified. Funds would be released in 3 days. On XX/XX/year> Funds were not released, NOW CHASE requested that I go to XXXX bank with my elderly mother so that a XXXX at a branch could take a call from CHASE via my mobile. 
XX/XX/year> XXXX  days later, CHASE still has not released funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: Caneel Capital, LLC
State: FL

Complaint narrative:
In XXXX I had 2 mortgage one for XXXX and one for XXXX in XXXX when the economy crash I lost my job and I called the bank and told them that I can not longer pay for the mortgage what would their recommend me to do since I didn't have a job the bank explain to me that they can do a home modification this was all over the phone so I accepted it one thing they never told me was that they were going to modify the one for the XXXX and not the other one all this time I thought I had them both included together 17 years has passed and now I have a debt collector by the name of Trinity financial services harassing me telling me that my house will go on foreclosure soon if I don't pay {$67000.00} that it have collected over the 17 years, no one ever called me on this or send me any type of mail, I have told them, that I am a driver that I am on camara that I can't receive phone calls and they still calling me during work hrs, I had to explain to my supervisor about this matter so I wouldn't be fired, I just don't know what to do anymore about this situation! Any good recommendations will be appreciated?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
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

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 2025-12-29 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: GA

Complaint narrative:
I am disputing the following accounts on my Equifax report, as they are inaccurately reported : Charged Off : XXXX XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX  XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX  XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} XXXX  XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$19.00} XXXX XXXX XXXX XXXXXXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX, Date XXXX XX/XX/XXXX Late Payments : XXXX, Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: GA

Complaint narrative:
I am writing to formally dispute the following information on my credit report, which I believe to be inaccurate, incomplete, and in violation of the Fair Credit Reporting Act ( FCRA ). I request that you investigate these accounts and remove or correct the disputed items as required by law. 
Disputed Accounts : XXXX. Account : XXXX Collect o Account Number : XXXX * * * * * * o Creditor : Accelerated Dental Assistant Academy o Account Status : Reported as negative, collection status o Reason for Dispute : I dispute the accuracy of this account 's reporting. This information is not correct as per the FCRA, which requires accurate reporting. I am requesting verification of this debt as it does not reflect my actual account history. 
XXXX. Account : XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * * o Creditor : Progressive o Account Status : Refined status, dispute requested o Reason for Dispute : This account was reported incorrectly. There is a lack of proper documentation for verification of this account under the FCRA. Please provide full verification. 
XXXX. Account : XXXX XXXX Co o Account Number : XXXX * * * * * * * * * o Creditor : [ Original Creditor ] o Account Status : Charged off, reported as loss o Reason for Dispute : This account has been reported with discrepancies in the date opened, payment history, and balance. I dispute the current status and request complete verification per FCRA Section XXXX. 
XXXX. Account : XXXX XXXX XXXX o Account Number : XXXX * * * * * o Creditor : XXXX XXXX XXXX o Account Status : Reported closed with balance o Reason for Dispute : The information here is incorrect. Under the FCRA, credit reporting must be accurate, and this account was not reported properly. 
Inquiries to Dispute : XXXX. Inquiries : o Inquiry Name : XXXX o Date of Inquiry : XX/XX/year> o Reason for Dispute : I do not recognize this inquiry and dispute its accuracy. 
Please provide validation of this request, as this inquiry XXXX be in violation of the FCRA if it was not authorized. 
XXXX. Inquiries : o Inquiry Name : XXXX XXXX XXXX o XXXX of Inquiry : XX/XX/year> o Reason for Dispute : I dispute this inquiry, as I did not provide authorization for this request to be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
Cease & Desist & Full Validation Under 15 U.S.C. 1692g To Whom It May Concern, This letter is a formal request for full validation under the FDCPA ( 15 U.S.C. 1692g ) regarding any alleged debt you claim I owe. Provide : Original signed contract Proof you have legal right to collect Full accounting history Proof of chain of custody Proof of assignment of debt Until this information is provided, you must stop all collection activity, including reporting to credit bureaus. Failure to comply is a violation of the FDCPA and FCRA and will result in complaints to the CFPB, FTC, and Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDisputeXXXX $ XXXX XXXX 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDisputeXXXX $ XXXX XXXX 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I am filing this complaint because PayPal denied my fraud claim despite clear evidence that the transaction ( s ) were unauthorized. 

On XX/XX/XXXX between XXXX XXXX and XXXX XXXX, the following unauthorized purchases for occurred on my PayPal account for {$2100.00} to by the Cryptocurrency PYUSD. 
I did not authorize this transaction, did not benefit from it, and did not recognize the device, IP address, or location associated with the login. 

Here is a screenshot of two logins that occurred at the precise time of the fraud and THEY WERE NOT ME. 

I reported the issue to PayPal on XX/XX/XXXX. PayPal denied my claim on XX/XX/XXXX without adequately addressing the evidence I provided. 

I have spoken to PayPal customer service four times on XX/XX/XXXX, XXXX and XXXX. 

Additionally, there was an email added to the account on XX/XX/XXXX of XXXX. THIS IS NOT ME. 
There were also two phone numbers added to the account on the same day that were masked, so I can not provide them. I removed them on XX/XX/XXXX. 
Attached are the claims of unauthorized debt that were recognized by XXXX XXXX as fraudulent and they stopped payment immediately. 
Also attached copy of FTC report Despite this, PayPal closed the case and refused to refund the unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX BKPT XXXX XXXXXXXX XXXXXXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-12-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: B&B Hold Corp.
State: OH

Complaint narrative:
Beyond green solutions contacted me over text messages about a debt thts over 7 years old. I told them to stop contacting me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation