vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 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: TX

Complaint narrative:
Several unauthorized iinquires listed in the attached letter

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 2025-10-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Regarding the Home Depot card, purchased in 2015. Last four digits is all I know, ( XXXX have opened other cards from them since. Don't they close the previous card before issuing a new card? I received notice I owed money, and I called the bank numerous times and was told I didn't owe any money, and a card number with the last four digits ( XXXX ) they did not have in their system. I informed them of this problem with the credit card. I later found out I'd was obtained in 2015. It was on the system under my name, than removed and than re-entered. I questioned how they could allow charges on a card that was dormant for years. I thought I finally had this resolved, but they allow more charges on this card.? Now they let someone transfer money twice to this card from another card. I did none of this. What card did they transfer from? I informed them I was a victim of fraud and ID theft. The name on the card isnt my name, and it's not spelled correctly. I closed that card because someone from a different state had put a charge on it back then. I can provide phone numbers I have called over the last three years. 
I also have copies of the documentation. I explained this several times. When the banks, both Citibank directly and Home Depot credit division, both said I didnt owe any money, I assumed this was a fraudulent communication. Also, it came up as not found ( copy uploaded ). I believe the original complaints got resolved, then suddenly there were new, more recent charges. A new letter came out. I could not open the letter and didn't see until late, because I was told at this point all my cards were closed. I believe there was a class action suit in New York against Citibank, but I can not find any more information about this suit. Also, it is known that there are many complaints about their fraudulent charges not being resolved per policy. They allow the fraud.

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
Consumer complaint received 2025-10-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXX Capital One credit card did not pay off the correct promotional balance and charged us the deferred interest, {$130.00}. Spoke with three supervisors on XX/XX/XXXX to try to get it resolved and they refused to help. We closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: Block, Inc.
State: NM

Complaint narrative:
Ongoing and continued theft and unathorized usage of XXXX  owned trademarked property XXXX XXXX XXXX does not have any right to deny my credit or report about me whatsoever and have been warned about using registeed trademark without paying {>= $1,000,000} usd standard licensing fee. So we presume you have no issues making payment promptly please notify via CPFB.gov when payment has been made. See attached Amount due by XXXX  within 30 days from today XXXX % discount if paid within 30 days. Please mail payment to XXXX XXXX XXXX XXXX, XXXX, XXXX New Mexico. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am a student currently at XXXX XXXX University. I requested my {$2500.00} for the semester and have been still waiting for it it arrived actually over a month ago. At the same time it was sent, three banks have been screwing me over at the same time and somebody stole my ID. The 3 banks who have been committing crimes and felonies include Chime banking, XXXX XXXX, and finally even my credit card company, XXXX XXXX. All three of them at the same time decided to have me verify myself as if I'm the one that stole somebody's ID even though mine is the one that's stolen. They all of a sudden want me to exert extra effort to get another physical copy of the ID and it's hard to even do anything with no access to my funds. This isn't even all the money that certain companies owe me but I'm filing this specifically on these banks right now because they're trying to make it so everything is harder for me and I have to pay rent probably as soon as possible even though the month is only like a little over halfway done. I was planning on paying it early and also keeping funds for savings and using them for necessities as well. But anyway these banks are all requiring me at the same time to provide an ID knowing that it got stolen. I have a fraud case that I built with my university and has been escalated to the highest authorities and I already escalated this issue with the FBI and the police. These three banks refused to respond to me I emailed them as of the XXXX of XXXX and I called XXXX XXXX multiple times about this and sent them emails last week too. I also sent all three banks emails in the last two weeks. I have been inquiring about my money for over a month since around the time it was supposed to come in. This is {$2500.00} that I have not gotten yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
This is a follow-up submission to a previous CFPB complaint regarding PayPals handling of a dispute ( Claim ID XXXX / XXXX NY XXXX XXXX XXXX XXXX XXXX. The case was marked closed, but PayPal has failed to provide the documentation referenced in its response. 

On XX/XX/XXXX, PayPals XXXX XXXX XXXX XXXX XXXX team sent a message in my XXXX account containing two attachments ( XXXX NY XXXX - XXXX XXXX and PayPals Purchase Protection Program.pdf ). Both files are inaccessible they open only as .json web data with missing metadata, preventing me from viewing the content. 

This means PayPals response to both the CFPB and the AG was incomplete and noncompliant with federal consumer protection standards requiring that the consumer be provided the full basis of the companys investigation.

I am requesting the CFPB reopen or attach this follow-up complaint to the previous case and require PayPal to reissue its attachments in accessible format.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Under my divorced name of XXXX XXXX, my now ex husband applied for a vehicle loan as a primary applicant. I was told I was a co signer but was made primary loan holder. We were not offered GAP coverage at time of purchase and when I asked after about it, I was told it was not an option in my state when it was. The vehicle was totaled by my insurance company and when I was told I still owed a balance, I asked for assistance and was denied assistance, and eventually the excessive fees accrued after the insurance took possession were unnecessary and led to be XXXX in bankruptcy. Wells Fargo was deceptive in not telling me I was made primary debtor and I was clear I did not want to be a primary debtor. The indifference by Wells Fargo when I asked them for help was depraved and cold and I was told it was not their problem and they would not even try to help me.

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 2025-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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 XXXX 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 2025-10-20 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: CT

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 XXXX 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 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
Payment Date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Account Aqua Finance , Inc . 
Account Number - XXXX Payment Method Payment Method Icon Debit Card XXXX Payment made via agent Confirmation Number XXXX Payment Amount XXXX  and {XXXX} on XX/XX/XXXX. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: NJ

Complaint narrative:
XXXX XXXX  Validation Letter XXXX XXXX I received a collection from Contract Callers Inc, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I believe this was the Fraud Account from XXXX XXXX XXXX XXXX Account that I gave no Authority to do business with XXXX XXXX XXXX. I didnt authorize any of these charges. 

Under section 16 US 1692 G - I need Contract Caller In, to produce the Following Items. Because all of this was fraud.

1. Send Detailed list of payments history made on this account by me 2. I request the signature that was put on this contract that I guarantee to pay this creditor.

3. Im asking to see if there has been any insurance claim filed on this debt 4. I would like to see the chain of Title, To collect this debt.

This was a Fraudulent account and Fraudulent Purchases. Under My company XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I need this removed off my Personal Credit and Business Report Immediately. Im sending a copy of this ( CFPB ) you guys will receive a certified later also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: OH

Complaint narrative:
It came to my attention that my person information was compromised in a data breach of TransUnion and XXXX, i notice some accounts that I don't recognize. I am disputing the information in this FTC complaint as it appears on my credit profile. I would like validation of the debt to prove it belongs to first and last name. If the debt can not be validated I would like the debt to be removed from my credit profile. Please note verification is not validation.

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 2025-10-19 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-20 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:
I am submitting this fourth follow-up complaint regarding a continuing and misleading error on my credit report. Despite prior disputes, TransUnion has failed to correct inaccurate information related to an account reported by XXXX XXXX XXXX in the amount of {$8500.00}, listed as a charge-off. 
This reporting is inaccurate and misleading, as it does not reflect the actual status of the debt. The account in question was long considered uncollectible, and following standard financial resolution procedures, it should no longer be reported as an active derogatory account. Under IRS regulations, when a debt is cancelled, forgiven, or discharged, the creditor is required to issue Form 1099-C ( Cancellation of Debt ) to both the consumer and the IRS. This form confirms that the debt is no longer owed and is instead treated as taxable income.

If a Form 1099-C was issued for this accountas is customary following charge-off reportingthen TransUnions continued reporting of an {$8500.00} balance is false, misleading, and in direct violation of the Fair Credit Reporting Act ( FCRA 1681e ( b ) ), which mandates that credit reporting agencies maintain maximum possible accuracy of all reported information.

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 2025-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLIANT CREDIT UNION
State: AZ

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a financed transaction involving XX/XX/XXXX ( Dealer ) and Alliant Credit Union ( Creditor ), which appears to be in violation of the Truth in Lending Act ( XX/XX/XXXX ) and associated federal regulations. 

Summary of Transaction Dealer : XX/XX/XXXXXXXX, Arizona Creditor : Alliant Credit Union XXXX : XXXX XXXXXX/XX/XXXXXXXX, VIN XXXX Loan NumberXXXX Loan Origination Date : XX/XX/XXXX Potential TILA Violations To date, I have not received : A fully executed finance contract signed by both the dealer and myself. ( refused by XXXX the finance XXXX at signing, my witness can concur ) The federally required Truth-in-Lending Act disclosures, showing APR, finance charge, amount financed, total payments, and payment schedule. ( refused by XXXX the finance XXXX at signing, my witness can concur ) A copy of the final credit agreement prior to loan funding. ( refused by XXXX the finance XXXX at signing, my witness can concur ) The registration/license for the collateral unit securing the loan. 

Despite these deficiencies, I have already made payments toward this loan. It appears that the financing was initiated and payments accepted without providing me with the disclosures and documents that are mandatory underXX/XX/XXXXprior to the extension of credit. 

Impact on Consumer Rights This situation places me in financial and legal uncertainty, as I am making payments on a loan that may not be properly executed or enforceable under federal law. I did not receive the opportunity to review or consent to final loan terms as required by law, nor did I receive any record of my legal obligations under this loan. 

XXXX XXXX has acknowledged ongoing issues with the transaction, yet has attempted to classify the matter as a standard trade negotiation rather than a corrective action. This mischaracterization further obstructs my ability to understand and confirm the terms of the loan. 

I reached out to the office of the Attorney General regarding my complaint when I received no resolution from the finance office at XXXX XXXX in XXXX. I have been in conversation with XXXX XXXX who speaks of this incident as " misunderstanding ... a teachable moment ( for his employees ) XXXX XXXX, has not accepted any responsibility on behalf of his employees. We are in open communication but I still have no lending agreement, no sales contact, no disclosures and no license or registration for the unit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Nationstar, Rushmore, and Mr .. Cooper have all asserted rights and legal standing regarding my property. However, none has produced unredacted, authentic proof confirming their ownership of the debt. Despite the lack of verified documentation, these entities continue to engage in mortgage fraud by passing along a debt they do not legitimately own.

I am being manipulated and taken advantage of by these companies, who are misconducting their authority and engaging in deceptive practices. I seek guidance on how to prevent this ongoing mortgage fraud and protect myself from further deception and exploitation by these entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I was taken in for XX/XX/XXXXXXXX. I had a cruise with XXXX the following week. I called what I thought was the XXXX phone number. It was listed under XXXX on XXXX. I asked if my cruise could be moved back XXXX weeks and the man I spoke to answered that it could for a fee of XXXX. I confirmed that I wanted to do this. This was on the day that I had XX/XX/XXXXXXXX. 
I felt something was off so I called XXXX to confirm my date had been changed. They said that dates could not be changed and that I had not paid them a fee. The representative told me I had been scammed. 
Upon further research I found that the company was called travelohelp and it has a Michigan address. Many reviews say that it a scam. I reported it to Wells Fargo. They initially credited my account but reversed it on XXXX. They said it was because i authorized it. They then credited me again because the service wasnt performed. On XX/XX/XXXX they reversed the credit again. I want my money returned as this company is a scam. I will also be reporting travelohelp to the authorities in Michigan.

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
Consumer complaint received 2025-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC.
State: NM

Complaint narrative:
Denied extension of consumer credit for personal and household use. How can i be denied a extension of my own credit? 18 USC 8, 12 USC 411,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I have sent numerous letters trying to verify the debt ( s ) reflected on my credit file. I contacted all three credit bureaus, XXXX, XXXX, and XXXX. I have also reached out to the collection companies who reported the debts to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Multiple paper bills from Sunrise Credit Services for {$940.00} for some XXXX XXXX account that I have never opened nor had. Believe this to be a scam and I would like to press formal charges on its fraudulence. Their contact is : 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