vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I recently checked my back account because I got a notification of a negative balance when I had just sent money to my account to pay a bill. I also got a notification that my light bill was passed due and will be disconnected soon if I dont pay when I have my payments on auto pay. I checked my history and I have been constantly charged on PayPal for transactions I did not authorize. These transactions total over XXXX. I disputed with PayPal and within a few minutes they determined I authorized these transactions but they are not even in my name! I have not received any packages at all and the person is using my old address. I want my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and XXXX  my privileges. I demand this account be taken off immediately. 
This has caused me to lose my apartment and possibly face homelessness because of the rule of keeping credit above XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX has violated my rights under the FCRA They have furnished an inaccurate account they does not revolve around all credit scores which states this account is open on on one but closed on others proving the inaccuracy 15 U.S.C 1681 Section 602A states i have a right to privacy 15 U.S.C Section 1681 604A states a consumer reporting agency can not furnish account wihtout my written instructions 15 U.S.C ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report conataining an yof the following items of information any other than adverse item of infomration, othar than records of convitions of crimes which antedates the report by morna than seven years 15 U.S.C 1681 Section 2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer relating to a consumer to ay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RELIANCE FIRST CAPITAL LLC
State: TN

Complaint narrative:
I am filing a complaint against Reliance First Capital LLC ( XXXX ID XXXX, Tennessee Mortgage License XXXX ) for repeated mishandling of my mortgage account, creating stress, financial harm, and inaccurate reporting. My complaint has XXXX parts. XXXX, account authorization issues : Although my wife XXXX XXXX is the primary account holder, I am the one who pays and manages the mortgage. I submitted the companys required authorization form several times, starting XX/XX/XXXX, again on XX/XX/XXXX ( XXXX ), and again on XX/XX/XXXX. Each time I was told the form was missing or invalid. On XX/XX/XXXX I was even told it looked fraudulent. I had to repeatedly involve my wife by phone just to verify the account, despite following all procedures. Reliances failure to retain my authorization caused repeated delays, accusations, and unnecessary frustration. XXXX, payment processing restrictions : In XXXX, my checking account with XXXX XXXX XXXX was compromised by fraud from an unauthorized XXXX party. The bank closed the account for security reasons and opened a new XXXX. XXXX XXXX XXXX  then resent my mortgage payments from the new account to ensure all obligations were met. I have never been late on any payment. Despite this, XXXX XXXX XXXX blocked me from making online payments and required that I send certified funds each month, even though I was not at fault and the bank confirmed the payment was properly resent. This is burdensome, costly, and unfair. XXXX payment mismanagement and false late reporting : As instructed by the mortgage company, I sent my XX/XX/XXXX payment via certified check, shipped overnight through the United States Postal Service. I have documentation and a XXXX tracking number showing that the check was mailed on XX/XX/XXXX, before the due date, and delivered to XXXX office in time. I also emailed them on XX/XX/XXXX with photos of the check and tracking number as proof. Despite receiving my payment on time, the company failed to apply it promptly, charged a late fee, and reported to the credit bureaus that the payment was late. This is false and damaging to my credit, as I can prove the payment was sent and received on time. XXXX XXXX XXXX repeated mishandling of account access, payment processing, and reporting has caused serious inconvenience, unnecessary costs, and harm to my credit. I request that regulators investigate this company and require them to XXXX ) properly process and retain borrower authorization forms, XXXX ) restore my ability to make online payments using my new verified bank account, and XXXX ) remove the false late report and associated fee for XX/XX/XXXX. I can provide supporting documentation including authorization forms, payment receipts, XXXX tracking proof, and XXXX XXXX XXXX  correspondence confirming the account fraud, closure, and resubmitted payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

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

Account Details : 1. XXXX Account Number : XXXX 2. XXXX XXXX XXXX Account Number : XXXX 3. DEPTEDXXXX Account Number : XXXX 4. XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: OR

Complaint narrative:
This problem is seriously affecting my peace of mind and sleep. Considering my reliable payment history, I kindly urge you to update my account without delay to relieve this stress.

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 2025-10-22 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: TN

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am filing this formal complaint against Experian, TransUnion, and Equifax for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ). Despite multiple dispute letters sent beginning XX/XX/XXXX, and follow-ups including a formal dispute on XX/XX/XXXX, the credit bureaus have failed to remove, correct, or verify the inaccurate and unverifiable information on my credit file. 

The bureaus have ignored their legal obligations to perform a reasonable reinvestigation, provide a valid method of verification, and maintain maximum possible accuracy in my consumer report. The following information remains incorrect or unverifiable : Incorrect personal information : multiple outdated and inaccurate previous addresses and employers ( including addresses at XXXX XXXX XXXX XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ; employers such as XXXX XXXX XXXX and XXXX XXXX ) Unauthorized inquiries : by XXXX XXXX XXXX, XXXX of XXXX, XXXX, and others, between XX/XX/XXXX and XX/XX/XXXX, which I did not approve or authorize Unverified and inaccurate charge-off accounts : including XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, and XXXX Incorrect payment history reporting : including XXXX and XXXX XXXX XXXX  XXXX These actions violate multiple provisions of the Fair Credit Reporting Act, including : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy Despite my requests, the credit bureaus have failed to provide : Documentation relied upon to verify the disputed accounts The method and procedures used for verification The names and contact information of the furnishers involved This pattern of neglect and noncompliance demonstrates systemic disregard for federal law and consumer rights. I have made multiple good-faith efforts to resolve these inaccuracies directly with the credit bureaus, yet they continue to report false and unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: Credit Karma, LLC
State: WI

Complaint narrative:
On XX/XX/XXXX, my account was charged for a subscription that I had canceled the previous week while still in my free trial period, as I didn't see the value in paying that much for the service. My account was still charged for this subscription for {$55.00}. The banks assertion was that it wasn't fraudulent because I made the original request, however as I said I specifically canceled my subscription the week prior while it was still within the free trial period. When I signed up, it said I can cancel within those XXXX  days and I would not be charged or otherwise penalized. XXXX XXXX has denied my dispute and refuses to discuss how they came to this decision that I am liable for something that I had canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX miscellaneous Inquiry from XX/XX/year> NOWCOM/WESTLAKE miscellaneous FINANC Inquiry from XX/XX/year> XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/year> GLOBAL LENDING SERVICE Inquiry from XX/XX/year> miscellaneous SANTANDER CONSUMER XXXX XXXX from XX/XX/year> miscellaneous ADP/SOUTH XXXX miscellaneous XXXX XXXX XXXX XX/XX/year> AUTONATION FINANCE/ miscellaneous DS Inquiry XXXX XX/XX/year> CAPITAL XXXX Inquiry from XX/XX/year> miscellaneous CAPITAL XXXX Inquiry from XX/XX/year> miscellaneous CREDIT XXXX BANK NA Inquiry from XX/XX/year> miscellaneous NCCINC/GILLMAN CHRYSLE Inquiry from XX/XX/year> XXXX EXETER FINANCE LLC/ miscellaneous WCG Inquiry from XX/XX/year> XXXX XXXX XXXX from XX/XX/year> miscellaneous XXXX XXXX XXXX from XX/XX/year> miscellaneous XXXX FINANCIAL Inquiry from XXXX XXXX XXXX 2025 miscellaneous XXXX BANK Inquiry from XXXX XXXX, 2025 miscellaneous XXXX XXXX XXXX from XXXX XXXX, 2025 miscellaneous CAPITAL XXXX Inquiry from XXXX XXXX, 2025 miscellaneous EXETER FINANCE LLC/ miscellaneous WCG Inquiry from XXXX XXXX, 2025 XXXX XXXX XXXX from XXXX XXXX, 2025 NOWCOM/WESTLAKE FINANC Inquiry from XXXX XXXX, 2025 XXXX XXXX XXXX XXXX from XXXX XXXX, 2025 XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX 2025 XXXX XXXX XXXX from XXXX XXXX, 2025 miscellaneous miscellaneous miscellaneous miscellaneous miscellaneous PREMIER XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX from XX/XX/year> miscellaneous GLOBAL LENDING SERVICE Inquiry from XX/XX/year> miscellaneous MID XXXX FINANCEmiscellaneous Inquiry from XX/XX/year> UNITED AUTO CREDIT miscellaneous CO Inquiry from XX/XX/year> XXXX XXXX A Inquiry from XX/XX/year> 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 2025-10-22 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: TX

Complaint narrative:
XXXX XXXX XXXX miscellaneous Inquiry from XX/XX/year> NOWCOM/WESTLAKE miscellaneous FINANC Inquiry from XX/XX/year> XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/year> GLOBAL LENDING SERVICE Inquiry from XX/XX/year> miscellaneous SANTANDER CONSUMER XXXX XXXX from XX/XX/year> miscellaneous ADP/SOUTH XXXX miscellaneous XXXX XXXX XXXX XX/XX/year> AUTONATION FINANCE/ miscellaneous DS Inquiry XXXX XX/XX/year> CAPITAL XXXX Inquiry from XX/XX/year> miscellaneous CAPITAL XXXX Inquiry from XX/XX/year> miscellaneous CREDIT XXXX BANK NA Inquiry from XX/XX/year> miscellaneous NCCINC/GILLMAN CHRYSLE Inquiry from XX/XX/year> XXXX EXETER FINANCE LLC/ miscellaneous WCG Inquiry from XX/XX/year> XXXX XXXX XXXX from XX/XX/year> miscellaneous XXXX XXXX XXXX from XX/XX/year> miscellaneous XXXX FINANCIAL Inquiry from XXXX XXXX XXXX 2025 miscellaneous XXXX BANK Inquiry from XXXX XXXX, 2025 miscellaneous XXXX XXXX XXXX from XXXX XXXX, 2025 miscellaneous CAPITAL XXXX Inquiry from XXXX XXXX, 2025 miscellaneous EXETER FINANCE LLC/ miscellaneous WCG Inquiry from XXXX XXXX, 2025 XXXX XXXX XXXX from XXXX XXXX, 2025 NOWCOM/WESTLAKE FINANC Inquiry from XXXX XXXX, 2025 XXXX XXXX XXXX XXXX from XXXX XXXX, 2025 XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX 2025 XXXX XXXX XXXX from XXXX XXXX, 2025 miscellaneous miscellaneous miscellaneous miscellaneous miscellaneous PREMIER XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX from XX/XX/year> miscellaneous GLOBAL LENDING SERVICE Inquiry from XX/XX/year> miscellaneous MID XXXX FINANCEmiscellaneous Inquiry from XX/XX/year> UNITED AUTO CREDIT miscellaneous CO Inquiry from XX/XX/year> XXXX XXXX A Inquiry from XX/XX/year> 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 2025-10-22 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: GA

Complaint narrative:
I am sending to dispute inaccurate information currently appearing on my credit report. These errors have negatively affected my credit standing and do not reflect my true financial history or the responsible manner in which I have managed my obligations. Discovering these inaccuracies has been concerning, as I take pride in maintaining good payment habits and honoring my commitments. The presence of unverifiable data has caused unnecessary stress and may impact future opportunities such as obtaining credit, housing, or employment. Under the Fair Credit Reporting Act ( FCRA 1681i ), I have the right to dispute any inaccurate or incomplete information, and FCRA 1681e ( b ) requires that all data in my file be maintained with maximum possible accuracy. I respectfully request that these matters be investigated promptly and any unverifiable information be permanently deleted to ensure my credit report accurately reflects my financial history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
After having my mortgage sold from XXXX XXXX XXXX  to fay servicing on XX/XX/XXXX, on XX/XX/XXXX there mysteriously appeared a negative {$5900.00} balance. My down payment was 20 % i owe these mortgage companies nothing no pmi, insurance or taxes so how could i owe XXXX after mortgage servicer transfer. When i asked XXXX  they said we wouldnt know we dont have these records, when i asked fay servicing they said ask sps. So now im currently getting the run around and am just expected to pay a mysterious balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
I have used Cash App for several years with frequent issues such as being scammed and not receiving a refund even when I provided a police report. My most recent complaint is due to me not having access to use my debit card randomly. I use this account for direct deposit and have had over $ XXXX deposited into this account over the last 2 months. Just last week ( XX/XX/year> ) my card stopped working. Every transaction was declined. I was able to order a new card, however, I wasnt able to activate the new card. I contacted cash app to figure out what was the problem with my account and they stated they have no further details on why I cant use my card or activate the new one. I was told to just send money to friends and family or withdraw to a different account which is very inconvenient and terrible business practices. They told me to wait 14 days before ordering a new card but again never received any explanation on my card is declining for every transaction. Its very frustrating and disappointing not being able to access my hard earned money especially during a government shutdown! Something needs to be done promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 
This is a formal complaint against AMERICAN EXPRESSa 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 : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 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. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. AMERICAN EXPRESS XXXX, AMEXXXXX XXXX & AMERICAN EXPRESS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo allowed a company to withdraw XXXX from my checking acct through my debit card which is a visa. They told me it was through my digital wallet. When I contacted XXXX they went through my phone remotely and said there is no evidence of me making the XXXX charges. Wells Fargo has repeatedly violated my efta rights and refuses to refund my money. Since the dispute, it has happened yet again to a total of almost XXXX. Meanwhile I am losing everything I own from this lack of access to my money. Please help me get my money back and a fair investigation performed. There is no proof I made these charges because I did not. I offered to take a polygraph at Wells Fargos expense 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 monetary relief