vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding a potential breach of peace during a vehicle repossession in XXXX XXXX, NY on Sunday, XX/XX/year>, at approximately XXXX XXXX 
A repo agent acting on behalf of Santander Consumer USA arrived at my home to repossess my vehicle. The agent : XXXX XXXX XXXX  Banged aggressively on my door and scared my children XXXX XXXX  - Refused to identify herself- Refused to provide any paperwork or authorization documentation -Police asked her to leave, she did, however she returned and tried to enter the vehicle but saw it was locked and sped off in her personal vehicle. 
- Arrived at an extremely early hour ( XXXX ) on a Sunday, creating a disturbance I did not give the agent my vehicle keys and removed all of my personal belongings from the car. The police were present during the incident to ensure safety. I also have a full recording of the event documenting the agents behavior. 
I believe these actions violate New York State law regarding peaceful repossessions, and I request that your office investigate this incident. 
Please contact me regarding any next steps and confirmation of receipt of this complaint. 

The video footage I have is about 13 minutes and it isnt allowing me to send it here. If there is another way I can send it, I can provide all the video footage to you from this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I have Rocket Mortgage for my house loan. In XX/XX/XXXX they were supposed to pay my home insurance they didnt. I never found about about this until XX/XX/XXXX when I got a cancellation notice from insurance company ( XXXX XXXX ) I called Rocket Mortgage they called XXXX and the reason they didnt pay they were short XXXX no phone calls nothing. So I went out and got new insurance thru XXXX XXXX which is now over XXXX more than I was paying. Now I get a new bill from Rocket for XXXX which I was paying XXXX a month. Im on XXXX only make so much a month I dont feel as if I had anything to do with this. I pay my bill on time every month. XXXX XXXX said they notified Rocket three times and Rocket never responded back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
On Sunday, XX/XX/year>, I tried to send a cashapp to my wife in the amount of {$50.00}. It went to the wrong recipient in cash app could not verify or give a valid reason as to why they could not respond to my request of refunding the money. Cash app was only trying to empathize, apologizing for the error.But they could not give me a valid reason or an explanation.As to why the request could not go through though they could verify that I had never sent any type of money or received.Any type of money from the recipient that it went to an error

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: NC

Complaint narrative:
I disputed some transactions on my account for fraudulent activity on XX/XX/year> for claim number XXXX for {$1000.00} they stated that no error occurred and no fraud was found on XX/XX/year> which makes no sense because i was told that my online access was deactivated because i reported fraud activity but why is it deactivated if they found no fraud also no investigation was done properly because no way they closed my account on XX/XX/year> but determined that no fraud happened if no fraud happened why was the account closed they refused to do the investigation by law they have to provide the provisional credit and investigation takes 30-90 business days then there was another claim done on XX/XX/year> the same da for the same reason unauthorized transaction claim number is XXXX for {$120.00} they took a fee out for expediting my new card they provided my provisional credit but because i dont have access to my account im unable to get my credit so i called the place where the card was used they stated the sent the funds back on XX/XX/year> so because i had a negative balance for the fee being expedited i was owed {$89.00} the gave the provisional credit on XX/XX/year> so i called and requested a check sent out i was told it would be 7-10 business days i said i will call every day because they can tell me anything and i dont have access to my account to really see whats going on so sure enough on XX/XX/year> i called for an update im told there is no funds in my account i said what do you mean the lady said the account shows a {$0.00} balance i said so was the check sent out she said no check was sent so now all of a sudden this money is no where to be found its XX/XX/year> and no check has still came in the mail i want my money refunded and access to my account while the investigation is going on because someone did something to the money and XXXX  is not being truthful at all

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 2025-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to file a formal complaint against LVNV Funding, XXXX ( or the debt collector acting on its behalf ) for actions I believe violate my consumer rights under federal law, including the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX Debt Collection Rule. 
Summary of the Issue I was contacted by LVNV Funding regarding an debt. 
I have never owed this debt, or the amount is incorrect/ the debt is time-barred/ they failed to validate it. 
I requested validation of the debt ( or dispute ) on XX/XX/year> under my rights, but XXXX has not responded properly or has continued to attempt collection. 
Despite my request, LVNV ( or its agents ) continued to report it to credit bureaus email excessively. 
XXXX & XXXX Failure to properly validate the debt XXXX collection or reporting actions Inaccurate or inflated amount Damage to my credit file / inability to obtain credit. 

What I Request That LVNV Funding validate the debt with documentation proving it is legitimately mine and if company is original ownership of said debt. 
If validation can not be provided, the debt be immediately removed from all credit reporting agencies That LVNV cease all collection efforts. 
Compensation for any actual damages ( if applicable ) A written response confirming what actions will be taken

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
I am writing to ormal express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Someone opened an account in my name, using all of my information. I was told that there was no sign that someone else opened the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
I have hard inquiries from XX/XX/year> - XX/XX/year> that are not mine ; also an auto loan account with XXXX XXXX XXXX. There is a several impact on my credit score. Also I have many communications with XXXX  and for a reason credit freeze revert and someone is accessing and continue opening unauthorized inquiries with my information. I need help with this issue.

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 2025-10-12 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-12 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: NY

Complaint narrative:
Credit inquiries that i did not authorized : XXXX XXXX XXXX XX/XX/year> L XXXX XXXX, XXXX XXXX XX/XX/year> Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> 2025

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 2025-10-12 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-10-12 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: WA

Complaint narrative:
My credit report shows a collection account from XXXX XXXX XXXX XXXX XXXX ( XXXX  # XXXX ), located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. They are reporting a balance of about {$2400.00} from a former XXXX XXXX account ( XXXX XXXX XXXX ). I live in XXXX  XXXX. 

I have already disputed this account with Experian, Equifax, and TransUnion several times. I asked each bureau to manually verify XXXX XXXX XXXX to collect and to provide proof that this company owns the debt. None of them provided documentation or evidence that a real investigation was done. 

I checked the XXXX XXXX XXXX database myself. XXXX XXXX XXXX XXXX XXXX ( XXXX  # XXXX ) holds XXXX state licenses, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not listed. This means XXXX XXXX does not have a XXXX  XXXX collection-agency license and is not authorized to collect from XXXX  consumers XXXX 

Under RCW 19.16.110, a collection agency must have a valid license in Washington to collect debts. RCW 19.16.250 ( 23 ) makes unlicensed collection activity illegal, and RCW 19.16.440 says it is an unfair or deceptive act under Washingtons Consumer Protection Act ( RCW 19.86.020 ).

By reporting and collecting without a XXXX  license, XXXX XXXX is violating state and federal law, including : 15 U.S.C. 1692e ( 2 ) ( A ) misrepresenting the legal status of a debt 15 U.S.C. 1692f ( 1 ) collecting amounts not allowed by law 15 U.S.C. 1692g ( b ) failing to provide validation after dispute 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) furnishing inaccurate or unverified information 15 U.S.C. 1681i ( a ) the duty of credit bureaus to reinvestigate disputes Court decisions confirm that unlicensed or unverified collection activity is illegal : Gray v. Suttell & Associates ( 2014 ) unlicensed collection violates Washington law Panag v. Farmers Insurance ( 2009 ) collection activity is covered by the Consumer Protection Act Nelson v. Chase Manhattan Bank ( 2002 ) furnishers can be liable for inaccurate credit reporting Jerman v. Carlisle ( 2010 ) the FDCPA is strict liability, not excused by mistakes of law Dennis v. BEH-1 LLC ( 2008 ) failure to verify a debt violates the FDCPA XXXX XXXX has never provided proof of assignment from the original creditor, a copy of any contract, an itemized statement, or proof that it is licensed in Washington. Because this company is not licensed here, its continued reporting and collection activity are illegal and misleading. The credit bureaus failure to verify this public information also violates their duty to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CDPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint narrative:
I spoke to the bank over the phone, assuming the cost involved, to resolve the issue ( I am an account holder currently living in XXXXn. I can not log in to my online banking because the two-factor authentication code is being sent to my old U.S. phone number, which I no longer have access to.

I would like to update my contact information to either my current Spanish phone number or my email address, so that I can regain access to my account ), but they didn't offer any solutions. They told me they would email me a solution from another department because they couldn't do anything, and at the same time, I could contact them that way so I wouldn't spend any money and get the solution. I haven't received any emails, nor do they appear in spam. 
I'm desperate because I have the right to access my money. Also, now I'm trying to log into the online bank and appears MFA not valid options. I don't even have the option to send a verification code to my American number.

I called them 5 times, and in total I was able to speak for 1 hour with a different teleoperator each time until a worker told me that she was going to speak with the manager, she did and told me that I would receive an email with the steps, I haven't received it and a week has passed, when they told me that I would receive it the next day

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Way PMB XXXX XXXX, FL XXXX Phone : XXXX Date : XXXX XXXX To : Experian XXXX XXXX XXXX XXXX P.O. XXXX XXXX, XXXX, TX XXXX Equifax Information Services, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX TransUnion XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Subject : Formal Demand for Deletion and Cease of Reporting FCRA XXXX ( b ), XXXX ( a ) ; FDCPA XXXX ; CFPB Complaint # XXXX To Whom It XXXX Concern : This letter serves as a formal notice of ongoing noncompliance and failure to act within statutory timelines regarding my written disputes of inaccurate and unverified information appearing on my credit reports. 

On XX/XX/XXXX, I sent notarized disputes to all three credit bureaus regarding multiple inaccurate apartment rent balances being reported by XXXX XXXX XXXX XXXX XXXX. Despite my valid disputes, the items remain on my reports. 

Experian has failed to complete and provide the results of a reinvestigation within 30 days, violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX continues to furnish disputed and unverified data, violating FCRA 607 ( b ) ( duty to ensure maximum possible accuracy ) and FDCPA 807 ( 8 ) ( misrepresentation of the legal status of a debt ). 

These continued inaccuracies are materially damaging my creditworthiness, ability to obtain housing, and personal reputation. 

Additionally, this matter is under active CFPB review ( Complaint # XXXX ). The companys interim response ( requesting additional information from client ) was received on XX/XX/XXXX. As of today, no resolution has been provided, and the XXXX response window is closing. 

Demand for Relief : Immediate deletion of all disputed XXXX XXXX XXXX tradelines from my Experian, Equifax, and TransUnion credit reports. 

Written confirmation that these items have been permanently removed and will not be reinserted without full certification of accuracy as required under FCRA 611 ( a ) ( 5 ) ( B ). 

XXXX of all reporting and collection activity by XXXX XXXX XXXX unless verifiable, legally sufficient documentation proving liability is produced. 

A full copy of my updated credit reports showing the deletions. 

Failure to comply within 10 days of receipt of this letter will result in the following actions without further notice : A supplemental submission to the CFPB including documentation of your continued noncompliance. 

A formal complaint to the Federal Trade Commission and Florida Attorney XXXX XXXX. 

Consideration of civil legal action seeking statutory, actual, and punitive damages under 15 U.S.C. 1681n, 1681o, and 1692k. 

This letter serves as your final opportunity to resolve this matter amicably before further escalation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Received a collection notice dated XX/XX/year> from a debt collector XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX regarding debt from XXXX Funding for an account with original creditor XXXX XXXX Bank in the amount of {$2300.00}. I have advised them I have no knowledge of this account and most likely it was previously reported as fraud. 

Please investigate this matter accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
I am Unaware of this debt I didnt have an opportunity or option to address/dispute the debt please provide the certify receipt stating I was aware of this debt with my signature saying that I received notice of this if not delete this immediately because it is a violation of my fcra consumer rights

Company response to consumer: Closed with explanation