vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: GA

Complaint narrative:
I purchased hair via a company that was found on XXXX. The company requested for me to use Wise to make payment for my order. The company is located in XXXX XXXX. Their banking information was even provided. ( XXXX XXXX XXXX  ) After making payment on XX/XX/year> to the company through Wise the company waited until the money was received and then discontinued contact. The order was never fulfilled either. 
Wise indicated that they can not refund my money because the transaction already went through. Well, that is the issue. How could I know it was fraud until the other party received their money and discontinued contact with me? 

Wise appears to refuse to take any responsibility for allowing this company ( who still advertises on XXXX ) to continue to take people 's money via their money service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I was never contacted with the dates the company provided. Once I contacted them after the approval of the extension that was sent to my XXXX. On XX/XX/XXXX. They told me no that I did not have any further options that I could on pay the charge off amount. They did inform me that the final day was XX/XX/XXXX. However on XX/XX/XXXX after speaking with a supervisor XXXX he only gave me 1 option & that was to pay XXXX. He never gave me a chance to work out any payment arrangements. So on XX/XX/XXXX. I wanted to make a payment however he sd that still will not help the account. I ask over in over to get the documents for the extension sent to another XXXX account. I also asked to speak with another supervisor and was also told that his supervisor does not help with this matter. I want to get the account back on track. The XXXX XXXX has not giving the account a change to refinance or work on smaller portions. I have been working with out pay since XXXX due to the government shutdown. Its impossible to ask for a full payment when I as the customer should still be given the option for the extension on the account that was granted to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
I need my funds ASAP it's been over a week and I don't want to wait for anyone else to get into my linked account please help me get my cash app back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/XXXX I was searching online for a pair of XXXX XXXX sweatpants for my sons birthday and found them on a website listed at {$45.00} + {$5.00} shipping so {$50.00} total. On the checkout page I was asked for my PayPal information which I provided. I was then immediately sent an email from PayPal that I authorized a payment of {$600.00} to the seller. I only authorized {$50.00}. Then a few minutes later PayPal sends another email saying the final authorization amount was {$670.00}. I reached out to the seller and never got a response. I called my bank to place a stop payment because by now I realized Ive been scammed. I also filed a complaint with PayPal which was denied and now my PayPal account is- {$670.00}. Please help me, all I have is the screenshot of the item I was trying to buy that shows the purchase price of {$45.00} and a screenshot of the confirmation of my order.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-25 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: IN

Complaint narrative:
The failure to produce verifiable evidence supporting the accuracy and legitimacy of this account, while continuing to report unverified information, constitutes a violation of 15 U.S.C. 1681i, including subsection ( a ) and applicable reinvestigation requirements. Such noncompliance undermines the integrity of the credit reporting system and is both unacceptable and avoidable under federal law.

Accordingly, I am demanding the immediate deletion of this account unless and until legally sufficient, verifiable documentation is produced to substantiate its validity. Any delay in resolving this dispute only compounds the harm caused by continued reporting of inaccurate or unverified information and further evidences a failure to meet statutory obligations.

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 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am disputing an incorrect negative balance on my Truist checking account that does not reflect my actual account activity or available funds. 

At the time of each disputed purchase, I transferred funds from my joint Truist checking account to my personal checking account in real time. These transfers were made in the same dollar amounts as the corresponding debit transactions and can be clearly seen in my account history with matching timestamps. 

Despite these transfers, Truist processed the debit transactions in a way that resulted in my checking account showing a negative balance of approximately - {$570.00}. All transactions have now fully posted, yet the negative balance remains. 

Importantly, I do not have overdraft protection enabled on this account. Given that fact, these transactions should not have been authorized or posted into a negative balance, especially when sufficient funds were transferred from my joint checking at the time of purchase. 

The current account balance inaccurately suggests that I made purchases without having funds available, which is false. I used my own money and ensured coverage at the time of each transaction. This appears to be a posting or authorization timing error on Truists part.

I am requesting : 1. Immediate correction of my checking account balance 2. Reversal of any overdraft-related impacts or fees 3. A clear explanation of how these transactions were authorized and posted as overdrafts despite real-time transfers and overdraft protection being disabled I have documentation showing the joint checking-to-my personal checking transfers, debit transactions, timestamps, and overdraft settings.

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 2025-12-25 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-25 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/year>, I sent an initial deposit via XXXX through Wells Fargo to an individual for the purchase of two bracelets : a gold bangle and a gold tennis bracelet. On XX/XX/year>, I sent the remaining balance, bringing the total amount paid to {$4400.00}. 

The payments were made after the seller represented that he was affiliated with a legitimate jewelry business and after he showed the bracelets in a video. The seller stated that the items would be shipped and that tracking information would be provided. 

After full payment was completed, the seller failed to provide tracking information or confirmation of shipment and became unresponsive. 

I later contacted the owner of the jewelry business the seller claimed to be affiliated with and was informed that the seller has not worked with that business for almost a year and is not affiliated with the business. 

This confirms that the payments were made based on false business affiliation and misrepresentation. The goods have not been delivered, and no tracking information has been provided despite multiple follow-ups. 

I contacted Wells Fargo by phone to report the transaction as fraud and requested an investigation, recovery options, and contact with the receiving bank. The issue remains unresolved. 

I am requesting appropriate relief, including reimbursement of the {$4400.00}, due to fraud, misrepresentation, and non-delivery of goods

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 2025-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was at the XXXX XXXX  and the man charged me {$500.00} when you should only charge me {$240.00} I was stranded without food for 3 days and couldn't go anywhere and then they kicked me out early at XXXX in the morning and I didn't know what to do I was just kind of stressed out because he overcharged me and I had to wait on my money I want my money back please and I'm very disappointed with you motel they're not doing their business right and cash up is not very doing their part either I think that people should take it more serious around the XXXX time and the XXXX XXXX XXXX  like I wasn't expecting this I was just coming in Colorado for business and got stranded here and all because of man overcharged me for {$500.00} I would like my money back from reimbursed for that it's been very stressful I don't even know what to say I'm very disappointed thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Operating Partners Co., LLC
State: CA

Complaint narrative:
I am disputing the collection account with OPERATING XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that OPERATING XXXX XXXXXXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Truist Bank required overdraft fee of {$36.00} for withdrawal of {$40.00} by XXXX XXXX XXXX  on XX/XX/year>. This fee posted today, XX/XX/year>. My checking account has over {$900.00} in my credit. They do not all overnight direct deposits to even ledger. I request reimbursement of this {$36.00}.

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 2025-12-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
recently checking my credit report i noticed that i've been a victim of identity theft and found numerous credit inquiries that i have no knowledge of here are the inquires that i've found : XXXX ( Finance ) XX/XX/year>, XXXX XXXX XXXX Bank ) XX/XX/year>, XXXX  ( Bank ) XX/XX/year>. 
please removed the fraudulent inquiries from my credit report. I also attach my identity theft report as well.

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 2025-12-25 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 2025-12-25 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
My Citi credit card account was closed without prior warning, and all accumulated TXXXX Points were permanently forfeited. Citi later stated that the reason was three returned check payments.

All payments were manually initiated, on time, and intended to pay the full statement balance. There was no intent to avoid or delay payment.

Approximately six weeks before the account closure, I proactively contacted Citi customer service to inquire about the returned check issue. During that call, I was not advised that continued returned payments could result in account closure or forfeiture of rewards, nor was I provided with any warning or corrective guidance. 

I did not receive any prior notice or warning that my account was at risk of closure or that my accumulated XXXX  Points could be permanently forfeited. 

I subsequently contacted Citi through secure messages and escalated the issue to Citis executive office, requesting identification of the specific contractual provisions supporting both the account closure and the forfeiture of XXXX Points. Citi has not provided a substantive response identifying such provisions. 

I am requesting that Citi either reinstate my XXXX Points or provide a clear written explanation citing the specific Cardmember Agreement and ThankYou Rewards Program terms that justify permanent forfeiture of earned rewards without prior notice.

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 2025-12-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: NV

Complaint narrative:
I am an XXXX XXXX service member and notified Landmark Financial that I am entitled to Servicemembers Civil Relief Act ( SCRA ) protections. I contacted the company multiple times by email to establish a paper trail and received no response. When I called by phone, I was instructed to email a different address with my documentation, which I did. I still have not received any response or confirmation that SCRA has been applied. My account continues to reflect a 29.99 % interest rate instead of the SCRA-mandated 6 %.

Company response to consumer: Closed with explanation