vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
For the last month I have been contacting resurgent lvnv fund also tried to dispute with all 3 credit agencies this info they put on all 3 reports collections the same credit card saying I owe XXXX. And then have it as I owe XXXX the same credit card is on my report two times from them with just a difference of XXXX dollars I've tried to email and contact them threw their online info and told and showed them the proof and I do not owe either amount they have it me in collections for but this is not ok two charges for same card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing a fraudulent account reported under my name. I never opened, applied for, or authorized this account. Its reporting is false and unfairly tarnishing my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX someone stole my purse with all my information. Had to get new phone which means new number and email. Now I cant access my account XXXX XXXX which has money I would like to transfer to my other account XXXX XXXX. I had {$50.00} at leader on that account. I have had at least 5 employees try to keep getting denied to transfer my money. Please tell me you can help. This has been going on for over a month and I just NEED my money. Thank you if you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: CA

Complaint narrative:
In XX/XX/year>, I sent a certified debt validation request to Jefferson Capital Systems regarding an alleged XXXX account. They received my request on XX/XX/year>. Instead of providing the required validation by U.S. Mail as required by the FDCPA, they improperly responded by email only. They did not provide the original signed contract, proof of assignment, or full accounting of the debt. 

Despite failing to validate, Jefferson Capital continued reporting this account to XXXX. This violates the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting the CFPBs assistance in having this account removed and Jefferson Capital held accountable for improper collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NY

Complaint narrative:
Jefferson Capital is attempting to collect a debt in the amount of {$860.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely and I need you to address this as soon as possible to prevent further damage.

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 2025-08-22 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I recently paid off a balance on a TD Bank credit card ... yet they still charge an " interest fee '' because the total amount was paid off in more than one transaction. Put another way, if you don't pay the balance in one transaction, they add an additional fee on top of the other interest that had been accrued. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-22 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: FL

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely and I need you to address this as soon as possible to prevent further damage.

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 2025-08-22 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: TX

Complaint narrative:
Subject : Re : Response to CFPB Complaint - Clarification and Request for Reinvestigation Dear PayPal Office of XXXX XXXX XXXX XXXX XXXX, I am writing in response to your email dated XX/XX/scrub>, 2025, regarding my complaint submitted to the Consumer Financial Protection Bureau ( CFPB ) concerning limitations on my PayPal account.

I must respectfully disagree with your determination that the complaint was submitted on behalf of another PayPal account holder. The complaint in question pertains directly to my own account, held under the name XXXX XXXX, with the associated email address [ XXXX ]. For verification purposes, I can provide additional details such as the last four digits of my linked payment method or recent transaction references upon request through a secure channel.

I kindly request that you reinvestigate this matter promptly, as it appears there may have been an error in associating the complaint with the correct account. Under the Consumer Financial Protection Act and relevant regulations, financial institutions are required to address consumer complaints accurately and in good faith. If this is not resolved satisfactorily, I may need to escalate the issue back to the CFPB or pursue other available remedies.

Please confirm receipt of this email and provide an update on the status of the reinvestigation within 10 business days. I remain available to supply any further information needed to facilitate this process.

Thank you for your attention to this matter. I look forward to your prompt response. they mention in it previous complaint my paypal account at another someone no its was not its was registered at my company this name XXXX XXXX so paypal suspended my verfied business company account now its denied and lied with you so i want u should taken action against paypal if they did not open my paypal veirfied account so this is my request from u ok

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have raised concerns for months about inaccuracies on my credit report, yet the issue remains unresolved. This complaint is deliberate and not submitted in error. These ongoing errors are harming my credit and daily life during an already challenging time; correcting or removing them would provide meaningful relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I had bought a XXXX XXXX  from a car dealership in Utah and it was sold to me under the pretense that it was just a used car when it really was a total loss claimed and once I found that out I contacted the lenders to surrender the vehicle and they sold the car for less than it was worth and are trying to force me into settling the rest due to their inability to sell the vehicle to pay it all back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I am a XXXX XXXX XXXX veteran and a retired member of the XXXX XXXX XXXX. I am filing this complaint against XXXX XXXX  ( title company ) and Mr. Cooper ( Nationstar Mortgage ) regarding errors that caused me to lose my XXXX veteran property tax exemption, inflated my mortgage, damaged my credit, and led to foreclosure threats. 

Deed Error ( XX/XX/XXXX ) : I requested my daughter be added to my deed for estate planning. Instead, XXXX XXXX removed my name entirely, leaving her as sole owner. This mistake caused me to lose my Maryland XXXX veteran property tax exemption. 

Escrow & Mortgage Mismanagement : Mr. Cooper added these taxes to my escrow and raised my monthly payment, despite repeated notice that I am exempt. I made payments every month, but because they applied extra charges, they reported my account as delinquent. 

Credit Reporting Harm : Their reporting falsely shows 8 late payments ( up from 2, then 7 ), which has damaged my credit. I was denied both a business credit card and a small business loan because of this. 

Foreclosure Notice : While my disputes were unresolved, Mr. Cooper issued a foreclosure notice against me, which is improper and retaliatory.

Prior Enforcement History : In XX/XX/XXXX, the CFPB and state attorneys general found Nationstar/Mr. Cooper engaged in similar violations ( escrow mishandling, wrongful foreclosure, inaccurate reporting ) and ordered $ XXXX in restitution. My experience reflects this same unlawful pattern. 

Requested Relief : Reinstate my name to the deed Restore my veteran tax exemption Correct my mortgage account and remove all false negative credit reporting Halt foreclosure immediately Reimburse or credit improperly collected funds This situation has caused me severe financial and emotional harm, despite my efforts to resolve it directly. I request urgent investigation and correction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-08-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: GA

Complaint narrative:
I opened a XXXXUplift account on XX/XX/scrub> 2025 to finance {$1900.00}. My agreement clearly states a 0 % APR loan with no late fees. The payment schedule requires 18 monthly payments of {$110.00}, due on the XXXX of each month. I will upload my Truth in Lending Disclosure, Agreement, payment schedule, and a screenshot from the website showing my payments.

Since opening the account, I have always paid on or before the due date. In fact, I usually pay more than the minimum. The only month I paid exactly the minimum was XX/XX/scrub> 2025. In XX/XX/year>2025, I again paid more than the minimum, on time. 

Despite this, my account is currently marked 10 days past due for XXXX. When I contacted customer service, I was first told my XXXX payment went entirely to interest. This explanation is incorrect because my contract specifies 0 % APR, meaning no interest or finance charges should ever accrue. After I pointed this out, I was told my XXXX payment was instead applied to XXXX payment, even though XXXX was already satisfied on time. The agent continued giving inconsistent explanations and seemed more focused on arguing than resolving the issue. 

When I asked to speak to a supervisor, I was told one would call me within XXXX hours. I never received a call back. Instead, I was left with contradictory answers, dismissive behavior, and no resolution. My account is still showing as past due. 

Because my account is now incorrectly listed as past due, I am extremely concerned that this will be reported to the credit bureaus. I have consistently met and often exceeded all payment requirements under my agreement and do not want false information to affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
Unauthorized access to my credit report by several companies has caused direct harm to both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. However, that assurance has not been honored, and the inquiries remain. This failure to act is unacceptable. 

The continued presence of these potentially fraudulent entries is highly concerning and raises serious concerns of possible identity theft. This unresolved issue is causing ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
card got closed for an unauthorized transaction which led to a dispute

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 2025-08-22 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: DE

Complaint narrative:
XXXX  suspended my account. 

I was victim of a scam, and it's unfair that my account was suspended for this reason. Only the scammer 's account should be suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I discovered two unauthorized XXXX transactions posted to my account : {$220.00} ( Order # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) and {$210.00} ( Order # XXXX ). The purchaser for the {$220.00} card lists a delivery address in XXXX XXXX, CA approximately 73.8 miles from my home which is a location and person I do not know. Somehow someone obtained my card information as well as my name and my email and used them to place the order. I reported the fraud the same day and Claim # XXXX was opened. The issuer provisionally credited {$210.00} but has repeatedly denied and reversed the {$220.00} charge ( the reversal posted XX/XX/XXXX ). I submitted supporting evidence by email to XXXX on XX/XX/XXXX and mailed a certified Formal Dispute Packet ( Exhibits AE ) on XX/XX/XXXX. I set a deadline of XX/XX/XXXX, for Capital One to re-credit the {$220.00}, but as of XX/XX/XXXX, I have not received written confirmation or a re-credit. Capital One issued a final denial on XX/XX/XXXX and confirmed that decision by email. I did not authorize these purchases, did not receive them, and the delivery addresses are to third parties I do not know. I have also filed complaints with XXXX about the unauthorized shipments. I requested the documentation Capital One relied on ( merchant invoice, proof-of-delivery/signature, account/IP logs, and merchant correspondence ) and have not been provided copies. 

Files attached to this complaint : XXXX ( Exhibits AE ) ; Capital One Decision ( XXXX ) .pdf ; Certified Mail Receipt ( XXXX ) .pdf

Company response to consumer: Closed with explanation