vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: Merchants and Professional Bureau, Inc.
State: FL

Complaint narrative:
to whom this may concern I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been discharged that your agency took a tax write off on. After I contacted the IRS, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status Furthermore, the IRS has directed me to file Form 3949A for illegal tax violations upon your company to resolve this matter.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-31 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: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
to whom this may concern I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been discharged that your agency took a tax write off on. After I contacted the IRS, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status Furthermore, the IRS has directed me to file Form 3949A for illegal tax violations upon your company to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: PA

Complaint narrative:
My phone was stolen and someone gained access to my paypal and to my cash app. The person used my cash app to make purchases that i didnt make. I was able to retrieve my phone with find my XXXX and get it back. I noticed the transactions when i got into my phone and immediately disputed it. Within a day of the dispute i was told it was denied because i made the transactions. Considering i didnt even have my phone, thats impossible. I asked them for a more detailed explanation as too why the decision was made, i was told that they couldnt provide me with anymore information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Date : XX/XX/year> Time : around XXXX I was forced to make a payment through XXXX for a service that was never completed, and the guy was intimidating me into paying. A locksmith charged me {$920.00} just to unlock the front door of my house a regular door. 

He didnt give me an estimate, didnt tell me his name, didnt show me any ID, and didnt let me authorize the service before starting. He didnt provide an invoice and was threatening me to make the payment. I had to pay because I didnt know if he had a weapon or not. 

I contacted my bank to explain the situation, but they told me there was nothing they could do. 

The guy had a huge dog in his car and said he wouldnt leave without the payment. 

My bank gave me no support and said that since it was a XXXX payment, they couldnt do anything. I called XXXX, and they told me I needed to resolve it with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
This attorney is demanding owner title insurance from the court by suing me, has filed XXXX additional lawsuits and I feel I have been harassed for over XXXX  years by this attorneys representing Nationstar. 
The " landlord '' is suing for XXXX dollars to damage my credit. Iam a single  mom, I can not get constantly harmed and now dipping me into credit harm and living with relatives temporarily since XXXX. 

Here are the XXXX lawsuits filed by the attorneys representing Nationstar. My family is composed of a XXXX  widow ( mom ) and my son facing an impairment and myself. we are a working family that has been chosen to be a door mat by a giant company. Our home and business was locked out since XX/XX/XXXX and we are making ends meet to puut a roof over our head and food on the table, we are no match by all the attorneys sent by the company for the discharged fHA loan ( of someone else ) of XXXX over our prior residence of the last XXXX  years. 

AGain, I am. not in the home located at XXXX XXXX XXXX XXXX XXXX NM XXXX that the bank changed the locks on us and filed XXXX lawsuits against us yet ordered the water to be opened wasting XXXX dollars a month and some lanscaping to the house as a result of alleged direction of the attorney that represents nationstar, and kept utlities on in our names, and spending every month. 
That is an additonal XXXX dollars a month or more in our household budget, we are a family under XXXX and XXXX XXXX we can not afford this demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union is blocking my access to XXXX funds deposited for my XXXX child, which are protected under federal law ( 42 U.S.C. 407 ).

I visited two branches ( XXXX and [ current branch name ] ) and was denied access both times. 

The assistant manager at the second branch refused to document my concern that these are federal XXXX funds and refused to enter my request into the system. She said XXXX XXXX makes its own notes and would not record that Im requesting release of XXXX funds and plan to file a CFPB complaint. 

This is an abuse of power, causes financial hardship, and violates federal protections of Social Security benefits. I am now without the only funds I have to care for my XXXX child. I need immediate help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: FL

Complaint narrative:
I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I established a merchant account with PayPal one year ago. The purpose of this account is to accept PayPal payments from my customers for products that I sell. 

After about 12 months, I had the first customer use this service for a purchase. At this point, PayPal froze my account and issued vague requests for additional information in order to gain access to my funds. This included items where I was required to 'describe my business '. PayPal continues to reject my description of my business and continues to hold my funds hostage. 

Additionally, I have been requested to provide 'proof of fulfillment '. We deliver the product to our customers ourselves. We don't use XXXX or XXXX. I provided this feedback and requested what additional proof can be provided? A picture of us at the customer 's house dropping the product off? All I receive is a rejection. My business is caught in a loop of automation for vague requests. 

The point I have attempted to make to PayPal is that there have been 12 months for PayPal to validate/verify any and ALL information for me to have an established account. PayPal has waited until funds are in my account, and then to hold the funds hostage with vague requests for more information in order to 'validate ' my account. 

I have already provided my driver 's license and bank statement. I have also provided validation of access to the debit card and checking account associated with my business. 

Further, PayPal makes it almost impossible to resolve with their automation. As a customer, the online chat is only virtual. The phone line is virtual. Their system acknowledges my account is blocked and only allows me to use their website to resolve. At no point am I given an opportunity to resolve the issue with a human.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Lincoln Financial Services
State: PA

Complaint narrative:
I had a retirement account through a company I worked for with Lincoln Financial Group, I submitted forms to have the balance of the account sent to me via check when my employment with that company ended.

The letter/check was sent to the address listed on file and then STAMPED RETURN TO SENDER as I had moved and then no action to remedy the delivery of that check was made by Lincoln Financial Group .

After dealing with a financial advisor, weve since located the account with Lincoln Financial group, I have contacted them several times and was met with very condescending and rude agents, given a runaround, called by the wrong name and then dumped out by then with the excuse of their systems being purged and they dont know what to tell me.

I contacted my bank which is a credit union account that I have had for over 30 years and we went through deposit and withdraw transactions for 3 years and found NO check cashed in that amount from Lincoln Financial Group and now I feel like I am being cheated by a company I trusted enough to vest my information and finances into. 

I would like to escalate this case is possible and will be contacting other agencies that offer help in this matter.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: NY

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
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-31 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: NC

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XX/XX/year> Account Information : Creditor Name : LVNV FUNDING LLC Account Number : XXXX Amount : {$2000.00} Subject : Request for Debt Validation under FDCPA Dear XXXX XXXX I am writing in response to a notice I received from your office regarding an alleged debt ( Account No : [ Insert Account Number, if known ] ). This letter is not a refusal to pay, but a request that you provide full validation and verification of the alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : XXXX. The amount of the alleged debt ; XXXX. The name of the original creditor ; XXXX. A copy of the original contract or agreement bearing my signature or any agreement that you believe makes me liable for this debt ; XXXX. A complete payment history showing how the alleged amount was calculated ; XXXX. Verification that you are legally authorized to collect on this debt in the State of New York ; XXXX. The name and address of the current creditor if different from the original ; XXXX. A copy of your license to collect debts in New York. 

Under the FDCPA, you are required to cease collection activity until you provide proper validation of this debt. Reporting this debt to the credit bureaus without validating it may be a violation of federal law. 

Please note that I am requesting this debt be removed from my credit report until proper validation is completed. This request is being made pursuant to my rights under the FDCPA, and any failure to respond accordingly will be documented and reported to the appropriate authorities. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-05-31 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: TN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I n

oticed that there were 4 fraudulent uses of my debit card for a bank for Capital One account. There were 3 purchases from a XXXX XXXX based company called : XXXX that totalled about {$130.00} and another one from a Company called XXXX XXXX  for about {$22.00}. 

I called them immediately and I was given this claim number : Re : Claim # XXXX and I canceled the Debit Card. 

They temporarily refunded me the money and said they were doing an investigation. 

On XX/XX/XXXX, they denied the claim saying that the transaction was valid and that they would recharge my account on XX/XX/XXXX, which they did. 
I can assure you that I had nothing to do with either the purchases at XXXX and XXXX XXXX. I called their fraud line repeatedly to deny that I had anything to do with these transactions. Their so called customer service people were extremely rude.

I went into a XXXX XXXX  in person and they called the fraud line themselves. While i was at the bank I also found some emails from XXXX showing that the items from their store were sent to three different people : Order : # XXXX Order : XXXX Order : XXXX One was sent to : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, WI XXXX One was sent to : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX United States and the other was sent to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The woman I spoke to then suggested I sent these emails to their

Bank Claims Processing Division with the hope they would reopen my case. They did not. They refused to offer me any explanation and when I asked to contact their so-called investigative unit, they refused. Because of their complete lack of concern and indifference to my situation -- and their refusal to offer me any protection, I am filing this complaint. I am also in the process of closing out the account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation