vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
I have reached out to a dog breeder to purchase a XXXX XXXX XXXX XXXX. On XX/XX/XXXX I sent a holding payment of {$300.00}. At this time there was {$200.00} left to pay on XXXX XXXX and the breeder offered to deliver this dog for a extra {$100.00}. On XX/XX/XXXX we made another payment of {$300.00} ( including the delivery fee ) we were exspected to get this puppy on XX/XX/XXXX. After the last payment I was sent documents of adoption papers and receipts ( price for adoption was on adoption papers and receipts for what delivery service. ) This breeder never mentioned a delivery service till after payment nor did they mention a $ XXXX refundable fee after purchase. We went to our local police department and filed a report and they did some tracing and did find all info they gave us was incorrect and verified it was a fraudulent breeder/vendor. I did call my bank ( Chime ) and there was nothing I could do. I was met with " you have to try and contact the seller and get it back yourself. '' Even though i told them i have a police report number to verify this isnt fake. XXXX while this seller went radio silent and there is no means to contact. This breed has generated fake documents to make it seem legit and believable. I have photos of said documents as well. We also did a reverse image search on the pictures the breeder provided. We found this breeder is stealing other pictures and videos from other breeders online as the pictures I was sent was from a puppy that, today, is actually over a year old.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am submitting this complaint regarding the recent closure of my bank account with Wells Fargo I only discovered that my account was closed when I attempted to access it. I was not notified beforehand, and I have been informed that a letter about the closure will not arrive until next week. Because of this sudden and unexpected action, I lost access to my rewards balance of XXXX which I had earned and was entitled to redeem.

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 2025-09-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I have a venmo card, I received a legitimate deposit from a class action suit for just over a XXXX dollars. Shouldn't have been any issues, but I hadn't used the card in a while and needed to reset my phone number and couldn't get in the app. I had to call support and she acted like she was friendly, escalated to a supervisor but then I see that my account is locked for " fraudulent activity '' and my credit alerts are monitored, so they're reporting me for fraud right then? I was sending her my license, my real one, with my tattooed face on it and she rejected it. Clearly, I have been customer service management before and she is freezing my money. Because I said something she didn't Iike? Nope, she didn't like how my face looked, because no other reason exists. I have been a contractor for the government and a manager in customer service and had security clearances with companies and agencies, yet this worker decided I can't access my money. In a foreign prepaid card based banking system, which I only use occasionally. So now you've lost my business and you know it, and you want to keep my money. That's called blackmail and extortion, and judgment of your customers and playing with their personal funds, which is corporate level scheming and an order from a higher up. I want corporate on the phone, and their lawyers. 

My email used in the app is XXXX and my name is XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I was charged twice for my credit payment. I only authorized one time payment to pay off my card statement for XXXX but the same exact amount was taken out of my checking account.I was charged XXXX twice. I called to dispute and they let me know they could not reverse the charge but they could send me a check. I recieved the check for the double charge about 10 days after the dispute. After they sent me the check my account should have been at XXXX, however I made a purchase on XX/XX/year> of XXXX. My statement should have been only that purchase but I notice my statement was now XXXX XXXX I called to dispute 5 times with different people where I had to explain the situation several times. The last time the supervisor I talked to let me know they added a returned check charge of XXXX $ in addition they added back the XXXX to my account because they sent me a check. They are basically still trying to charge me the double charge. I let them know I would pay the XXXX but not the XXXX per it is still a double charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-13 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: FL

Complaint narrative:
I am disputing the continued reporting of a bankruptcy on my credit file. I previously submitted disputes under the Fair Credit Reporting Act ( FCRA ). In response, the credit bureaus only provided a generic e-OSCAR template letter stating the information was verified. No method of verification was provided as required by federal law.

Violations : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide the required description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Duty to promptly delete informa
tion that is inaccurate, incomplete, or can not be verified.

15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

Supporting Evidence : XXXX XXXX XXXX XXXXXXXX explicitly states that it does not furnish, transmit, or report records to the credit bureaus. See 11 U.S.C. 107 ; Fed. XXXX XXXX. XXXX XXXX, XXXX. The Court confirms it has no jurisdiction over credit reporting agencies and can not remove or verify information on consumer credit reports. 

Therefore, any verification by the credit bureaus that allegedly came from the bankruptcy court is false and misleading.

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 2025-09-13 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: FL

Complaint narrative:
I am disputing the continued reporting of a bankruptcy on my credit file. I previously submitted disputes under the Fair Credit Reporting Act ( FCRA ). In response, the credit bureaus only provided a generic e-OSCAR template letter stating the information was verified. No method of verification was provided as required by federal law.

Violations : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide the required description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Duty to promptly delete informa
tion that is inaccurate, incomplete, or can not be verified.

15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

Supporting Evidence : XXXX XXXX XXXX XXXXXXXX explicitly states that it does not furnish, transmit, or report records to the credit bureaus. See 11 U.S.C. 107 ; Fed. XXXX XXXX. XXXX XXXX, XXXX. The Court confirms it has no jurisdiction over credit reporting agencies and can not remove or verify information on consumer credit reports. 

Therefore, any verification by the credit bureaus that allegedly came from the bankruptcy court is false and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The account is reporting an excessive number of late payments that are inconsistent with my records. The information is inaccurate and unverifiable. The company has not provided complete documentation supporting these claims. This entry should be removed.

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 2025-09-13 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: TN

Complaint narrative:
I reviewed my credit report in XX/XX/XXXX and identified the following accounts as fraudulent, inaccurate, or unverifiable, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Accounts to be deleted : 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 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 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 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 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 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  Under 15 U.S.C. 1681e ( b ), you are required to ensure maximum possible accuracy of the information you report.

Under 15 U.S.C. 1681i ( a ) ( 5 ), any item found to be inaccurate, incomplete, or univariable must be deleted or corrected immediately.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers may not report data they know or have reason to believe is inaccurate I have submitted : My government-issued ID. 
SSN Card FTC Report INTERNET Bill

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 2025-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: SC

Complaint narrative:
I had no contract or account with the company XXXX XXXX XXXX XXXX ) they are attempting to collect the debt for. I had a verbal agreement with XXXX but XXXX gave unknowingly some of their customers without any notice ever to XXXX. I called the company ( XXXX and told them you cant do that you have to give us a choice ) they hung up and refused to speak with me. Every time I call XXXX  it gets argumentative. And I no longer wish to be disrespected. 

No one from XXXX has ever been on my property as I am XXXX and home with a fully active security with cameras front and back yet, which I reviewed thoroughly. Yet they falsified work orders. 

I called XXXX and told them this. They kept harassing me. I asked them to provide proof they of course could not as I never did business with them. They used false documentation of spraying and submitted pictures. I told them you know that you did not spray my home. I live in a XXXX XXXX XXXX XXXX  The pictures are a XXXX story house with a storm door and I have no storm door. 
Every time I called and asked for proof of me having a contract they would demand. {$250.00} to break the contract ( I never had ). 
Then their techs would text me that they are coming on my property. I repeatedly told them you are not allowed on my property and to enter us trespassing. 

Then as this went on I got an email from ARM collections and a text. I called ARM they told me they can not verify the debt they were going on the paperwork received from the company. I asked them to mail me proof they told me they can not mail me. I asked them to stop texting me and emailing me. When I asked how did you get my personal email and private cell number they said the company gave it to them, I XXXX plain XXXX to them an XXXX  supervisor told me I signed a 2 year contract and could not provide the proof. And I added 2 years ago this was a pile of dirt ( a new build ) as I moved here from another state in XXXX of XXXX. 

Then they basically implied legal action wound follow. Even after fully explaining this to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
Issue : Mortgage Servicing Failure to Honor Approved COVID-19 Partial Claim Company : XXXX XXXX XXXX  XXXX Number : XXXX I received written approval for a XXXX Recovery Standalone Partial Claim in XX/XX/year> which was supposed to bring the mortgage current and due on XX/XX/year>. I signed and returned all documents. XXXX XXXX later demanded an erroneous payment of {$2200.00} in order for them to book the mortgage, which was corrected to {$450.00} by a supervisor. I paid the {$450.00} in XXXX as requested and still the partial claim was not booked I called XXXX XXXX in XXXX and XXXX asking questions on why the partial claim has not booked and all I got was a run around, so XXXX come and now XXXX XXXX started telling me that in order for them to book the partial claim XXXX need to be paid so I paid {$10000.00} to be applied from XXXX moving forward and before making the payment I asked XXXX XXXX would the payment affect the partial claim I was told NO but now that the payment is made I'M being told by XXXX XXXX that the partial claim would not be booked because I XXXX near bought the mortgage current. Despite this, XXXX XXXX refuses to book the partial claim, citing that the mortgage is nearly current. This contradicts FHA guidelines and their own approval letter. I have phone recordings confirming their admissions..

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 2025-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
To Whom It XXXX Concern, I am writing to file a formal complaint against Affirm , Inc., regarding their refusal to refund {$1000.00} in payments I made toward an account that was fraudulently opened in my name. 

On or around XX/XX/year>, I began making payments on the account in question while Affirm was investigating the matter, as I was concerned about protecting my credit score. The total amount I paid is {$1000.00}.

Following their investigation, Affirm confirmed that the account was unauthorized and fraudulent. They informed me that the case was resolved in my favor, that I would not be held responsible for the debt, and that the account would be removed from my credit report. 

However, despite these acknowledgments, Affirm has refused to return the {$1000.00} I paid toward the fraudulent account. I consider this an unfair and deceptive business practice. These payments were made under pressure and without any benefit to me, and now that Affirm has acknowledged the account was fraudulent, they are unjustly retaining funds that I paid in good faith.

I have already written directly to Affirms Account Safety Team requesting
the refund, but have not received a satisfactory resolution.

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) or relevant authority to investigate this matter and ensure Affirm issues a full refund of the {$1000.00}.

I am attaching a copy of the letter I sent to Affirm and any supporting documentation you may require.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Asked all XXXX credit bureaus to verify debt and it came back verified but didnt provide information on how they verified it. Took less than 2 days for the verification. I was part of the data breach and have tried to get this resolved previously to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$9200.00} XXXX XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$7400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

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.

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 seven 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 2025-09-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
XXXX XXXX R

egional President of Southstate Bank had not provided me with the prper direction on how the Commercial Loan is to be satisfied upon death of the Officer of the Company. I came to the bank on XX/XX/year> to explain to her that my husband had died and XXXX XXXX is dissolved and that I was surrendering the inventory and the monies in the bank account SouthState Business Account. 

XXXX XXXX was trying to imply that since I was XXXX XXXX  on the LLC I was held liable for the loan.

I explained to her that this is an LLC and that the company is dissolved and that I am trying to satisfy the loan properly by surrendering four cars with the original titles and keys and also the monies left in the business bank account. I was not provided the steps on how this loan will be satisfied and she did not provide me reassurance after the death of my husband how this will be properly handled.

In fact she claimed she did not know how this would be handled and did not seem to comprehend that I was surrendering all inventory and monies in the bank to close out the loan.

I found it bizarre that she said she needed to go to the DMV and handle this herself when the SouthState Bank is the Lien Holder on all the inventory and the loan. I came in good faith to satisfy the loan and was not received with the proper policy and procedures on how the loan will be considered satisfied or what the next steps were or who was handling the satisfaction of the loan now that the company is dissolved and the loan. 

As a Regional President XXXX XXXX was not forthcoming in her actions on how this policy and procedure is handled. XXXX XXXX is aware on how this policy and procedure is handled because in the XXXX record of XXXX XXXX Florida XXXX XXXX and Southstate Bank in XXXX, FL has handled the dissolving and loan satisfactions of many other prominent citizens of XXXX XXXX. 

XXXX XXXX took the original Death Certificate, Four original titles and keys of the inventory and did not explain how the possession of the inventory and the monies from the bank account will be a

pplied to satisfy the loan and close all accounts associated with the Commercial Loan It appears this bank continues to not be forthcoming on how the terms of the loan were changed and now that I followed the instructions per the loan on how the loan is to be satisfied upon death of the officer of the company, Im still not provided any instructions on how this loan is to be considered closed and satified and how long that will take. I was transparent with the bank and followed all their rules. Who is watching SouthState and XXXX XXXX to make sure she is providing compliance?

Company response to consumer: Closed with non-monetary relief