vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
We identified identify theft on XX/XX/year>. Someone stole our identity which includes SSN, Name, DOB, etc to open 4 store credit cards- XXXXXX/XX/XXXXXX/XX/XXXX 
They used the temporary card to do shopping. We got to know when we received credit cards at our home that we didn't even apply for. When we checked out credit reports there were multiple hard pulls on the report that led to other credit cards discovery.

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
We identified identify theft on XX/XX/year>. Someone stole our identity which includes SSN, Name, DOB, etc to open 4 store credit cards- XXXXXX/XX/XXXXXX/XX/XXXX 
They used the temporary card to do shopping. We got to know when we received credit cards at our home that we didn't even apply for. When we checked out credit reports there were multiple hard pulls on the report that led to other credit cards discovery.

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 2025-10-06 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: CA

Complaint narrative:
I find it very unfortunate that Equifax has ignored my requests and doesnt seem to care about the consumer. I regularly check my credit reports these last few months and my scores due to pressing needs of me and my entire family. I have been reaching out to Equifax regarding items I believe to be inaccurate and unlawful to post about me. This has caused me a lot of XXXX and anxiety which I have been getting treatment for and along with this I recently suffered an event that has caused severe XXXX. This has caused me to take time away from work and I have been trying to find a new home that takes me away from the area that can possibly trigger my XXXX. However again due to the derogatory items being reported about me damaging me, I have been unable to obtain new lodging in a safer community for me and my family. I have previously reached out to CFPB regarding this as Equifax being XXXX of the important Credit Reporting Agencies in my region just about all lenders seem to use them to verify my financial worthiness. Also if this is indeed the way that Equifax operates then I would imagine that other people in this country experience the same outcome when they dispute with them as well. I have researched and talked with others and I can not seem to find anything supporting this occurrence. I have reached out to Equifax about this multiple times calling their call center where I can not seem to get reliable help regarding this situation and most times my calls end with their representatives hanging up on me and not calling back until days later from an unavailable number and not leaving a direct line for me to reach back to the representative that I would hope is from a higher level of representation. So to all of this then please explain the errors and false misleading information on my report and the exact process being used to verify them as I honestly believe that they are illegally being reported to begin with and if they are removed as they should per law then I have no reason to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and dispute regarding a telecommunications-related debt collection issue involving Radius Global Solutions XXXX The company has attempted to collect an incorrect amount from me under account number XXXX, which I believe constitutes false representation and a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e.

I do not acknowledge the validity or accuracy of this alleged debt. The amount Radius Global Solutions is attempting to collect is incorrect. I therefore request complete and detailed verification of the alleged debt, including : The name and contact information of the original creditor ; The original amount owed and a full itemization of any interest, fees, or other charges added ; Documentation showing that I am legally responsible for this account. 

Until proper verification is provided, I am exercising my rights under the FDCPA to dispute this debt.

Additionally, pursuant to 15 U.S.C. 1692c ( c ), I hereby demand that Radius Global Solutions and any related entities cease and desist from all communication with me concerning this debt, except where allowed by law specifically, to provide written verification of the debt or to notify me of any specific legal actions being taken. 

Please note that any continued communication, including calls, emails, or mailed demands, after receipt of this letter will be treated as harassment and a violation of federal consumer protection laws. I respectfully request that the CFPB investigate Radius Global Solutions for these actions and take appropriate regulatory steps. 

Enclosed are supporting screenshots and documentation for your review. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-10-06 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: Block, Inc.
State: FL

Complaint narrative:
yesterday at XXXX XXXX XX/XX/year> using cash app, i accidentally sent XXXX dollars to the wrong person, to an account that is no longer in service. i contacted cash app to send me the money back to my account so that i send it to where it belong, they told me that they can not do that. the transaction number is # XXXX Costumer support did not do they job and told me pretty much i will not be recieving my XXXX dollars back The reference number is # XXXX my name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I leased a vehicle through GM Financial and made every payment on time. When I returned the lease at XXXX XXXX in XXXX MI, I was told my balance was {$0.00}. Later, GM Financial claimed I owed a {$500.00} lease-termination fee I never agreed to. I disputed it, yet they reported me as late on monthly lease paymentswhich is completely false and has seriously damaged my credit. I even offered to pay the {$500.00} if they would remove the inaccurate credit reporting, but they ignored me. This experience has been extremely frustrating and unprofessional, and I want others to be aware before doing business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MS

Complaint narrative:
I am writing to formally express my concern regarding of Zelles handling of disputes.particularly in the light of cfpb lawsuits highlighting significant issues with the platform. Dispute using XXXX  numerous times and reporting discrepancies, my financial institution failed to investigate my claims adequately. They informed me the recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers but also let repeat offenders to exploit the system leaving user vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about my consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account Details in Dispute : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX  Account Number : 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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I am writing this formally express my concern regarding Zelles handling of deputies, particularly in light of the recent CPFB lawsuit highlight significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, My financial institutions and Zelle failed to investigate my claims adequately. They informed me that recovering my lost was impossible and that tracking these transactions was unfeasible. The CPFBs finding indicated that Zelle has not only neglected to protect their consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scam. The lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: TX

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this formal complaint against TransUnion for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing TransUnion with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, which DEPT OF EDUCATIONXXXX confirmed would be removed but remains on my report ; all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. TransUnions refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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 2025-10-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Figure Technologies, Inc
State: CA

Complaint narrative:
This is not a complaint. 
I am a victim of crypto scam ( XXXX XXXX scam ) I took out a loan with FigureXXXX ( $ XXXX ) I lost everything,, plus {$300.00} k IRA, and XXXX XXXX savings. 
Is there any relief from the HELOC? I am so embarrassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: TX

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian and EquifaxCredit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: GA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

1. XXXX Account Number : 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 2025-10-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I am submitting this complaint regarding Boeing Employees Credit Union ( XXXX  ) for their ongoing refusal to remove a fraudulent personal loan that was opened in my name without my consent. Despite providing substantial proof of identity theft, XXXX  has failed to correct the matter or remove the account from my credit report. 
The fraudulent loan, originally for approximately {$5000.00}, has now ballooned to over {$8000.00} and has been placed in collections. I have never applied for or authorized this loan. Upon discovering the account, I immediately filed a police report and an FTC Identity Theft Report and submitted both documents to XXXX  as evidence. 
Despite multiple attempts to resolve the issue directly with XXXXincluding formal disputes through XXXX XXXX and direct communication with their customer service departmentXXXX has denied my disputes and refused to remove or correct the account. This has resulted in ongoing damage to my credit, undue stress, and significant hardship in my ability to obtain legitimate credit or business financing. 
XXXX refusal to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) constitutes a violation of my consumer rights. These laws require creditors and financial institutions to investigate and correct inaccurate or fraudulent information once a consumer provides verified evidence of identity theft. 
I am requesting that XXXX  be compelled to : 1. Immediately remove the fraudulent loan and all related negative reporting from my credit history. 
2. Provide written confirmation of the removal.

3. Review and improve their internal procedures for handling identity theft and fraud claims. 
I have attached copies of my police report, FTC Identity Theft Report, and prior correspondence with XXXX for verification. 
Thank you for your attention to this matter. I respectfully request a full investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I transferred American Express Membership Rewards points to my Delta SkyMiles account based on an award flight shown as available through the Amex XXXX XXXX. After transferring, the exact same flight on Delta was only available for cash, not miles. XXXX or so minutes after the initial transferred where I even had to pay an excise tax of {$99.00}, neither Amex nor Delta would reverse the transfer or restore the points, even though the transfer was made in reliance on incorrect information shown by Amexs system. 

Full details : On XX/XX/year>, I searched for a Delta-operated flight from XXXX to XXXX using the Amex Membership Rewards portal. The system clearly showed award availability for XXXX points and to which I transferred my points to Delta SkyMiles to complete the booking. 

Immediately after the transfer, I logged into my Delta account to book the flight, but it showed cash only - no award seats were actually available. I then contacted both Amex and Delta to report what appears to be a phantom award ( a system error where partner inventory displays incorrectly ). Both parties confirmed the transfer could not be reversed. 

This created a financial loss because I transferred points under false or misleading award availability. The points are now locked in Deltas system and can not be moved back to Amex, making them far less valuable. 

I have supporting screenshots and timestamps showing the award availability displayed on Amex prior to transfer and the subsequent cash only status on Delta after transfer. 

Summary of harm : Loss of transferable points value Deceptive or inaccurate presentation of award availability Refusal to reverse despite clear evidence of system error I believe this qualifies as a misleading representation under the CFPBs unfair, deceptive, or abusive acts and practices ( UDAAP ) standards and request that Amex be required to restore or compensate for the points lost due to the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am writing to file a formal complaint against PayPal , Inc. regarding the unjustified blocking and ongoing limitation of my PayPal account.

PayPal blocked my account without providing any clear reason or explanation. After an extended period of XXXX  days, they released my payment ; however, despite releasing the funds, my account remains limited with restrictions that prevent me from using it fully.

This lack of transparency and indefinite account limitation is causing me significant inconvenience and financial harm. PayPal has failed to provide adequate communication or justification for these actions.

I request that the CFPB investigate PayPals practices regarding account blocking and limitations and take appropriate action to ensure consumers like myself are treated fairly and transparently. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation