vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AFNI INC.
State: NE

Complaint narrative:
I received multiple letters and frequent phone calls from AFNI regarding a subrogation claim for a XXXX XXXX policyholder named XXXX XXXX XXXX, dated XX/XX/year>. AFNI claims I owe {$3700.00} for damages and says its not a debt but a XXXX XXXX because I was uninsured at the time. 

I mailed certified dispute and cease-contact letters to AFNI, but they never replied directly. Despite receiving and acknowledging my letters, they continued to call me twice daily on weekdays. When I answered, an AFNI representative said my letter means nothing and that I must pay anyway. 

Recently, I received another letter dated XX/XX/year>, repeating the same amount and offering a discounted payment of {$1800.00}. The amount of the alleged claim has not changed since the first notice. 

I believe XXXX  conduct violates consumer protection rules by continuing to call after being told to stop and by using misleading communication about the nature of the claim. I want the CFPB to review their actions and ensure they stop contacting me by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Auto Finance confirmed in writing on Thursday, XX/XX/year> at XXXX AM that repossession of my vehicle was paused. At XXXX AM, I received notice that my vehicle had been repossessed despite the prior written pause. I later spoke with an escalations XXXX who acknowledged the repossession, but argued it was valid because the driver was already in the vicinity, which contradicts the written confirmation. I have filed a dispute with the company and am currently waiting to hear back with their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
On XX/XX/year>, I sent a certified dispute letter to XXXX XXXX regarding multiple late payments reported on my XXXX XXXX XXXX XXXX XXXX. I requested documentation under 15 U.S.C. 1666b and 1637 ( b ) to prove that periodic statements were delivered at least 21 days before each payment due date, and proof of notice under 15 U.S.C. 1681s-2 ( 7 ) that I was notified before negative information was reported to the credit bureaus. To date, I have not received any response or acknowledgment. The late payments continue to appear on my credit report, which I consider inaccurate. I request that XXXX XXXX provide written proof of compliance, and if they can not provide adequate documentation, I request that these accounts be completely removed from 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 non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
On XX/XX/year>, I sent a certified dispute letter to XXXX XXXX regarding multiple late payments reported on my XXXX XXXX XXXX XXXX XXXX. I requested documentation under 15 U.S.C. 1666b and 1637 ( b ) to prove that periodic statements were delivered at least 21 days before each payment due date, and proof of notice under 15 U.S.C. 1681s-2 ( 7 ) that I was notified before negative information was reported to the credit bureaus. To date, I have not received any response or acknowledgment. The late payments continue to appear on my credit report, which I consider inaccurate. I request that XXXX XXXX provide written proof of compliance, and if they can not provide adequate documentation, I request that these accounts be completely removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-02 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-02 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: WA

Complaint narrative:
I am a U.S. XXXX XXXX cardholder. 
On XX/XX/year>, I paid {$2000.00} USD through PayPal for an online purchase. 

I filed a dispute with PayPal on XX/XX/year>, and later a chargeback with XXXX XXXX ( Ref. No. XXXX ) on XX/XX/year>. 

On XX/XX/year>, after reaching an agreement with the seller for a refund, I requested to withdraw the chargeback with XXXX XXXX. 
The seller has been ready to issue the refund, but can not do so while PayPal keeps the dispute open PayPals system blocks any refund action until the dispute is closed. 

XXXX XXXX confirmed that the network-level withdrawal was submitted to PayPal on XX/XX/year> ( the charge was submitted to PayPal on XX/XX/XXXX ). 

However, as of XX/XX/year>, PayPal has still refused to close the dispute ( Case XXXX ) and continues to show its status as Pending Processor Response.

PayPal representatives first told me that the 75-day period was a strict rule preventing early closure, but later changed their explanation and said it was only a guideline that could take longer depending on the card issuer.

My card issuer has repeatedly confirmed that the dispute was fully withdrawn and the update was transmitted through the XXXX network to PayPal. The card issuer has no remaining actions pending.

The only remaining block is within PayPals own internal processing system.

It has now been over 80 days since the PayPal dispute was opened ( XX/XX/year> ), exceeding PayPals own 75-day limit.

This delay has prevented the seller from issuing the refund and caused unnecessary financial harm and stress.

I request that PayPal Holdings Inc. be required to : Acknowledge receipt of the withdrawal submitted by XXXX XXXX on XX/XX/year> ; and Immediately close dispute case XXXX and release the held funds to allow the refund to proceed.

I am attaching screenshots showing : XXXX XXXX confirmation that the chargeback was closed and transmitted to PayPal on XX/XX/XXXX ; PayPals messages showing contradictory statements and refusal to close the case.

This appears to be an unreasonable delay and failure to act in good faith by PayPal, despite full compliance from the card issuer and the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
From : XXXX XXXX XXXX XX/XX/XXXX DOB LAST OF SSN # XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have XXXXhirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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:
From : XXXX XXXX XXXX XX/XX/XXXX DOB LAST OF SSN # XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have XXXXhirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: ID

Complaint narrative:
XXXX a XXXX veteran and Firstmark Services took over my loan from XXXX. The loan has a XXXX discharge clause. When attempting to utilize this, XXXX has bounced back and forth. The VA backdated my claim to when I submitted something called an intent to file. This means that at any point in the next year you can file and it will pro-rate payments back to then. I didnt end up filing until a month or XXXX later. That being said, I took out a loan from XXXX in XXXX of 2024. They didnt specify that the XXXX date cant be before the loan etc, but I heard back from the VA XXXX XXXX or so agreeing with the XXXX that were addressed in XXXX. I showed them this XXXX date when the XXXX took place, but they dont care. Theyre using the backdated date to deny this discharge when they never even requested that information in the first place. It showed up on a report they had asked for showing proof of XXXX and since then theyve denied every kind of action to take this away. This is outrageous as the documents clearly state when the XXXX started, but they have XXXX date out of everything else that mind you was XXXX weeks before the loan was taken out and the claim hadnt even been filed yet that they are sticking to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am filing this complaint to formally appeal the decision by the Chase Fraud Department to close both my personal credit card ( XXXX and XXXX ) and my XXXX XXXX credit card ( XXXX ) on XX/XX/year>. 

The stated reason for closure is a " pattern of abuse/misuse of the claims process. '' I assert this finding is a severe misinterpretation of a one-time event and my good-faith efforts to manage a legitimate merchant issue. 

Key Facts Showing Good Faith : 1. High Spend/One-Time Event : The high volume of claims occurred only at the beginning of this year due to a cluster of transactions from unreliable merchants, directly correlated to my high overall spend. 

2. Dispute Withdrawal as Proof of Intent : In every case where I contacted Chase to close an open dispute, it was done immediately because I had secured a refund or delivery directly from the merchant. This proves I used the dispute process as a backstop, promptly removing the administrative burden from Chase the moment an outside resolution was found. I was not abusing the system ; I was being proactive and responsible. 

3. Responsibility : When a fraud report was determined to favor the merchant, I accepted the ruling and immediately paid off the full outstanding balance, demonstrating full financial responsibility. 

The Disproportionate Closure : The closure of my XXXX XXXX Card ( XXXX ) based on activity contained to a temporary personal incident is highly disproportionate. The XXXX XXXX Card has an impeccable payment history and is a vital tool for my business operations. 

I request that the Chase Executive Response team manually review my file and reinstate both my personal and business credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: Chime Financial Inc
State: OH

Complaint narrative:
Last Friday XX/XX/year>- woke up to a direct debit from XXXX XXXX ( I dont use XXXX XXXX ). The transaction was for XXXX as a XXXX  debit from them. I called chime instantly and filed a dispute stating I have no business with XXXX  whatsoever, and that half my checking account was drained right after I got paid. Chime then APPROVED my dispute 6 hours later and credited my account back the money. When I was conversing with the customer service rep on XX/XX/year> she advised me that we could block all future transactions from this merchant that would include direct debits and also normal debit card transactions from this merchant. I agreed and we moved forward. On XX/XX/year> I woke up to the same exact charge of XXXX from XXXX XXXX once again. Not only did they do this once but chime let this happen again. I called chime again instantly and now they are giving me the run around about getting my money back into my account. This happened 1 day before the first of the month where rent is due and half my rent money was taken. I have called chime 30+ times pleading/begging them to do the moral/correct thing and to credit my account while they investigate and they continue to tell me to wait until XX/XX/XXXX to get my money back. So not only are the screwing me over by not giving my money back, but they also did not block charges coming from XXXX  I have no information on who is using my information, I never received a text message asking if this transaction was fruad, NOTHING. I have had multiple conversations with supervisors from the dispute department who do nothing but read from a script and then hang up the phone and make me wait another hour to talk to someone. Chime has screwed me TWICE and this time especially is completely on them. I have recorded audio calls from them on XX/XX/year> stating that all transactions would be BLOCKED and they have failed me. Im writing this to warn other customers and hopefully get to some sort of resolution. XXXX stolen out of my account and I will not stop until it is returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Block, Inc.
State: GA

Complaint narrative:
After asking Afterpay to move 2 payments so the payments can aline with my every 2 pay schedule Afterpay put a block on my account after I made my payments and I even made extra payments. I couldn't use my account until I paid it off. I started Afterpay with a limit of {$50.00}, now my limit is {$1300.00} which tells you I pay on time. Now since I spoke out to Aterpay to let them know that it was unfair I'm being " Blackballed '' my account limit will not increase no matter how much I payoff and now I can only do 3 orders at time. My account is being discriminated on and I've reached out to Afterpay so many times and all they say is it's system generated. Someone there has put a block on my account and it's not fair. My account hasn't increased in years and I've paid off so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have asked Experian, Transunion, and Equifax to reinvestigate The following hard inquiries : Transunion : XXXX XX/XX/XXXX Transunion : XXXX XX/XX/XXXX Equifax : XXXX XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX  XXXX XX/XX/XXXX Transunion : XXXX XXXX XX/XX/XXXX Transunion : XXXX XXXX XX/XX/XXXX Transunion : XXXX XX/XX/XXXX Equifax : XXXX XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion : XXXX XX/XX/XXXX Transunion : XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX # XXXX XX/XX/XXXX Transunion : XXXX XXXX XX/XX/XXXX Equifax : XXXX XX/XX/XXXX Transunion : XXXX XXXX XX/XX/XXXX Transunion : XXXX XXXX  XX/XX/XXXX Transunion : XXXX XXXX  XX/XX/XXXX Transunion : XXXX XX/XX/XXXX Equifax : XXXX XX/XX/XXXX Transunion : XXXX XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX XXXX XX/XX/XXXX Transunion : XXXX XX/XX/XXXX Transunion : XXXX XXXX XX/XX/XXXX Transunion : XXXX XX/XX/XXXX Equifax : XXXX XXXX XX/XX/XXXX Transunion : XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax : XXXX XXXX XXXX VIA XXXX XX/XX/XXXX Equifax : XXXX XXXX XXXX XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 data is inaccurate.

Company response to consumer: Closed with explanation