vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: WA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$31000.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$25000.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$69000.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$100000.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$3700.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
On XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes. 
Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-10-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
On XX/XX/year> XXXX bypass my PayPal account and got my card information from my venmo debit card then proceeded to charge {$82.00} fraudulently. Venmo let me know that the card had fraudulently been used in my account was in the negative because they have paid some of the amount and so had the money I had on my card I found it dispute into the card XXXX of the dispute didn't know I had XXXX that dispute at all so I called and checked on it the other day the XXXX of XXXX at which time I'm informed that they try to tell me that they sent me some of my money back and I'm like no you didn't send me any of my money back I didn't get none of my XXXX money back and they said oh yeah well we did try to send it back but for some reason it declined to go back so now we have to start the dispute all over again I said no the XXXX you don't you got your money from me I paid the money back to you all I won my dispute you don't have to refile for that you need to give me my money well you're going to have to wait another XXXX to XXXX business days well we're past the XXXX period never had a provisional credit never got nothing oh well the supervisor she escalated it and the dispute Department doesn't have a way for you to contact them well that's funny because online I can I can email them online or whatever it is on the XXXX XXXX  I can email them so why the XXXX can't you I'm not getting anywhere but I want my {$82.00} because it's beginning to get ridiculous

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: VW Credit
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

This is a formal complaint against VW CREDIT INC a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : XXXX15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. XXXX15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. XXXX15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

VW CREDIT INC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy federal credit union I never owned a credit card XXXX signed anything authorization The account XXXX XXXX XXXXXXXX its closed I dont owed anything to them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app/ Block suspended my account out of the blue after years of use. They said I violated the terms of use. No other explanation was provided. I asked through several emails for the specific reason and have never received any answer except the same one over and over. That I violated terms of service. They will not turn my account back on, thats it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: MN

Complaint narrative:
I previously filed a complaint against this company in XX/XX/XXXX. This company continues to make excessive calls with several different numbers throughout my workday. They have not sent me any documentation regarding the reason for the calls. I have never signed or agreed to any contract with this company, and I have no idea why they continue to call all throughout the day. The credit reporting agencies and the collection agencies stated the debt was mine. I began disputing this information on my credit report in XXXX of XXXX. I sent letters to the credit reporting agencies that my personal information was wrong on my credit report, my name was spelled wrong. There were numerous spellings of my name, multiple addresses that were not mine, the employer listed was not correct, and the phone number was incorrect. I sent the disputes by mail, certified with a receipt. My credit reports do not show any conflicts with the collection agencies. I filed with the FTC because, since I caught this issue, my data has been breached 4 times in less than a year. I have no online access to XXXX  or XXXX  because I am locked out of those credit reports online. Since my information is not correct when I call the XXXX agencies they can't identify me as the account owner. I have never signed any agreement to have my personal information to be sold to any third party. However, since the original creditors have sold my information and the XXXX  XXXX  have failed to manage my personal information my social security number has been compromised and now I am dealing with identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
Credit Card XXXX XXXX for over charging for Maintenance fee Verve Master Card XXXX and Cerulean Card XXXX I never agreed to any type of Maintenance fee when I first started this credit card. Then on XX/XX/year>, I received a notice from the credit card company that they will start XX/XX/year>, some type of maintenance fee where I will be charged XXXX per month or XXXX annually. They already charged me an annual fee of XXXX now they are attempting to charge another fee that I never agreed upon.

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 2025-10-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One has restricted my personal bank account since XX/XX/2025, withholding {$9700.00} of my money. They claim there is activity inconsistent with customer usage, but they have not provided any written explanation or resolution. 

Account restricted : XX/XX/2025 Amount withheld : {$9700.00} I have repeatedly contacted Capital One customer service. Each time I am told that the investigation is still ongoing, but no timeline is given. 

It has been several months, and my funds remain inaccessible. 

This delay is causing serious financial hardship because I need these funds to pay bills and debts. I believe Capital One is acting unfairly by holding my money indefinitely without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: MI

Complaint narrative:
XXXX is locked and I sent in the proof of id multiple times and still get told something different every time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing in response to your attempt to collect an alleged debt, referenced as I am writing in response to your attempt to collect an alleged debt, referenced as XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), I formally request validation of this debt. Additionally, under the Fair Credit Reporting Act ( FCRA ), if you can not provide adequate validation, I demand that this account be deleted from my credit report. 

Please provide the following documentation as proof of the alleged debt : XXXX. A copy of the original signed agreement or contract establishing my obligation to pay. 
XXXX. A full account history showing the original creditor, amount owed, and payment history. 
XXXX. Verification that you are legally authorized to collect this debt in my state.

4. Proof that the alleged debt has not been paid, settled, or discharged.

If you can not provide adequate validation within 30 days, you must cease collection efforts and remove any negative reporting related to this debt from all credit bureaus in compliance with the FCRA and FDCPA. Failure to do so may result in legal action against your company. 

Please respond in writing to the address provided above. I request that all future communications be in writing only. 

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 explanation
Consumer complaint received 2025-10-01 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: NJ

Complaint narrative:
I am writing in response to your attempt to collect an alleged debt, referenced as I am writing in response to your attempt to collect an alleged debt, referenced as XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), I formally request validation of this debt. Additionally, under the Fair Credit Reporting Act ( FCRA ), if you can not provide adequate validation, I demand that this account be deleted from my credit report. 

Please provide the following documentation as proof of the alleged debt : XXXX. A copy of the original signed agreement or contract establishing my obligation to pay. 
XXXX. A full account history showing the original creditor, amount owed, and payment history. 
XXXX. Verification that you are legally authorized to collect this debt in my state. 
XXXX. Proof that the alleged debt has not been paid, settled, or discharged.

If you can not provide adequate validation within 30 days, you must cease collection efforts and remove any negative reporting related to this debt from all credit bureaus in compliance with the FCRA and FDCPA. Failure to do so may result in legal action against your company. 

Please respond in writing to the address provided above. I request that all future communications be in writing only. 

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX - XX/XX/year>XXXX XXXX XXXX XXXX - XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

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 information is inaccurate.

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 2025-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This follows closed case # XXXX ( XX/XX/year> ). Wells Fargo 's notary errors at XXXX Poly XXXX XXXX, XXXX, TX ( XX/XX/year> stamp overlap by XXXX XXXX ; XX/XX/year> missing initial by XXXX XXXX XXXX ) caused XXXX to reject my mod docs twice. Their XX/XX/year> response admits errors but denies impact, ignoring XXXX XX/XX/year> extension ( attached XX/XX/year> letter ). On XX/XX/year>, XXXX reviewed ; on XX/XX/year>, XXXX XXXX requested email proof ; I sent on XX/XX/year> ( attached screenshot ), but on XX/XX/year>, she denied receipt. This delayed my XXXX, caused XXXX credit drop ( XXXX to XXXX on XX/XX/year> ), and foreclosure threat ( suspended XX/XX/year> ). Attached signed docs prove compliance. Seek {$10000.00} {$20000.00} compensation, credit fix.

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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Date : XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX Re : Validation of Debt & Cease and Desist Request To Whom It May Concern : This letter is being sent to you in response to your recent communication. I am formally requesting validation of the alleged debt referenced above, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXX. Please provide the following : XXXX. The name and address of the original creditor. XXXX. The original account number. XXXX. A copy of any judgment, contract, or agreement bearing my signature that shows I have a legal obligation to pay this debt. XXXX. The full accounting of the alleged amount, including principal, interest, fees, and how it was calculated. XXXX. Proof that XXXX XXXX XXXX is licensed and legally authorized to collect debts in my state. Additionally, be advised that this is also a formal cease and desist notice. You are hereby instructed to immediately stop all communication with me about this matter except in writing and only to provide the validation requested or to notify me of specific legal action you intend to take. Failure to comply with this request will be considered a violation of the FDCPA and my rights, and I will not hesitate to report your actions to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my State Attorney Generals Office. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( XXXX  ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the XXXX and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
They said, they couldn't disclose any information about the debt, they kept mentioning XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against cash app ( block, Inc. ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation