vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I saw this CFPB order against cashapp XXXX XXXX XXXX They allowed me to create an account. But when someone attempted to send me funds, they immediately deny it. I don't understand why they act so welcoming in the beginning. They give an issue when a new user attempts to make a transaction or receive funds. Perhaps their security fraud/scam systems need to be evaluated. What is the purpose of me creating an account. They allow me to link my debit card. They also verified my bank and allowed me to link it. I have also been verified. But they still give an issue when my tenant attempts to make a small payment towards her rent. It does not make any sense, I think someone who oversees cashapp should investigate their procedures. It should not be acceptable to me or any new user. Is it a form of bias towards some profile user accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
I discovered unauthorized inquiries on my credit report, and I dont understand why its there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately. lawsXXXX U.S.C 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 2025-10-07 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: Modern Asset Management, Inc.
State: NY

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately. lawsXXXX U.S.C XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Thave reason to believe that my personal information may have been compromised as a result of the recent TransUnion data breach. This is very concerning under the Fair Credit Reporting Act, because it shows a failure to maintain reasonable procedures to ensure the accuracy and confidentiality of consumer data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: NC

Complaint narrative:
Good day, I am submitting this follow-up complaint regarding the inaccurate items listed below that continue to report on my credit file in violation of federal law. I am grateful that some of the items in my credit report were removed after my prior dispute ; however, upon reviewing my updated report, I found that several of these inaccurate items remain. 
XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$610.00} XXXX  Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX CREDIT Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$490.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$470.00} XXXX/XXXX  XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIEW XXXX, DE XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX BANKS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX  Original Creditor XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} WE

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 2025-10-08 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:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to XXXX U.S.C. XXXX, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to XXXX U.S.C. XXXX, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within XXXX ( XXXX ) business days. 


The following information on my credit report is the result of identity theft and must be frozen : XXXX OF XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX Pursuant to XXXX U.S.C. XXXX, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of XXXX year, after which I may request an extension. During this time, no information may be reported. 
I have contacted TRANSUNION multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

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 2025-10-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: SC

Complaint narrative:
On XX/XX/year>, I sent a certified Debt Validation Request to [ Collection Agency Name ] under the Fair Debt Collection Practices Act ( FDCPA ). 


The agency received my request but failed to provide any validation or proof of ownership of the alleged debt. 
Despite failing to validate, the agency continues to report the alleged account to the credit bureaus, in violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
I am requesting that the CFPB enforce compliance, require the removal of this unvalidated tradeline, and take further regulatory action against the collection agency. 
Attachments Included Copy of my original Debt Validation Request ( dated XX/XX/year> ) XXXX XXXX Mail Receipt XXXX Delivery Confirmation/Tracking Proof Current Credit Report showing the collection tradeline

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LCI Acquisition Inc.
State: GA

Complaint narrative:
" I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) .Please remove this unverifiable item. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
CFPB Complaint Navy Federal Credit Union XXXX XXXX XXXX XXXX My secured credit-card account with Navy Federal Credit Union was closed around XX/XX/year> without any written or electronic notice. I never received a closure letter, explanation, or final statement showing how my {$200.00} security deposit was handled. The account was a {$200.00} secured card opened on XX/XX/year>. 

After the closure, all three credit bureaus began reporting inconsistent and inaccurate information about the same account. XXXX  lists it as Paid, Closed Closed at credit grantors request with XXXX, XXXX, and XXXX late payments, which is impossible because a XXXX delinquency can not appear twice in consecutive months. XXXX  lists the account as XXXX  days past due Canceled by credit grantor with XXXX and XXXX lates. XXXX  lists it as Not more than XXXX payments past due Closed with XXXX and XXXX lates. Each bureau shows a {$0.00} balance, proving the account was paid, yet the reported payment history and closure reasons differ and misrepresent my payment performance. 

I never received any written or electronic notice that my secured card was being terminated or closed, as required by 12 C.F.R. 1026.11 ( c ) ( 2 ) under the Truth in Lending Act ( 15 U.S.C. 1637 ). That rule requires a creditor to provide notice before or promptly after termination or suspension of a credit card plan. Navy Federal also has not provided any accounting or explanation regarding my {$200.00} security deposit, as required by 12 C.F.R. 1026.12 ( d ) ( 3 ), which mandates refund of the security deposit once the account is paid in full and closed. 

Because Navy Federal reports the account with a zero balance, the deposit should have been refunded in full. If the credit union contends it applied the {$200.00} to any debt, it must provide documentation showing when and how the deposit was used and the contractual authority permitting that application. In the absence of such documentation, the funds remain my property and must be refunded immediately.

These actions and reporting errors constitute violations of : Truth in Lending Act ( 15 U.S.C. 1601 et seq. ; 12 C.F.R. 1026.11 ( c ) ( 2 ) and 1026.12 ( d ) ( 3 ) ) failure to give required notice and refund the security deposit.

Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681s-2 ( a ) ( 1 ) ( A ) ) failure to maintain maximum possible accuracy and reinvestigate inconsistent data.

Michigan Consumer Protection and Collection Practices Acts ( MCL 445.251 et seq. ) misrepresentation of a consumers credit standing and retention of funds without lawful basis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: OH

Complaint narrative:
I am writing to formally 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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies my financial institution and Chime fail to investigate my claims adequately. They informed me that my recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Chime has not only neglected to protect consumers but 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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I made a money transfer to my XXXX wallet XXXX on XX/XX/year>, but the transfer went to another company, XXXX, with which I don't have an account. I called numerous times to have the money returned, but various agents just gave me the runaround. I keep getting the runaround. I spoke to a supervisor and explained the situation to them. It's incredibly challenging to receive money via a Western Union transfer. Even if the name is misspelled, they won't release the money to the receiver until it's corrected. Now, it's been almost XXXX weeks, and a transfer goes to a company that I don't have an account with. I tried to explain to numerous agents to no avail. Instead of contacting XXXX to have them return the money, they keep telling me that there is nothing they can do. I don't have any information about that company, XXXX. Wester Union is the one dealing with them ; they should contact them and get my money back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
REGIONALAC is falsely reporting on my credit. I have never had any accounts with them. Per my research REGIONALAC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/year>, Barclays Bank Delaware notified me that my XXXX XXXX XXXX XXXX XXXX would be cancelled if I did not use it within 30 days. I did not use the card during that period and relied on Barclays representation that the account would be closed automatically. 
On XX/XX/year>, Barclays charged a {$99.00} annual fee to the account and then treated that self-initiated charge as activity to avoid cancellation. I did not authorize or initiate this charge. When I called to dispute it, customer service stated that I would have to cancel the card myself or pay the fee, contradicting Barclays written cancellation notice. 
I am disputing this under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and request that Barclays : Reverse the {$99.00} fee and any related interest or late charges ; Confirm that the account was closed by Barclays, consistent with the XXXX cancellation notice ; and Confirm that no negative information will be reported to credit bureaus in connection with this dispute. 


Barclays has the relevant records showing its XXXX cancellation notice, the XX/XX/XXXX charge, and my subsequent customer-service call.

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 2025-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone : ( XXXX ) XXXX SSN ( Last XXXX ) : XXXX XX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Transworld Systems Inc. ( XXXX XXXX ) Unverified Collection Account ( {$190.00} ) To Whom It May Concern : I am filing this formal complaint against Transworld Systems Inc. for the unlawful and unverifiable reporting of an alleged cable/internet collection account in the amount of {$190.00}, purportedly owed to XXXX XXXX  XXXX On XX/XX/year>, I sent a written Debt Validation Request pursuant to FDCPA 809 ( b ) ( 15 U.S.C. 1692g ), requesting full documentation proving the validity of this alleged debt. To date, Transworld Systems Inc. has failed to produce any signed agreement, itemized billing history, proof of mailing, or legal documentation establishing ownership or assignment of this account. The continued reporting of this unverifiable account violates multiple provisions of federal law, including : FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) Requires written validation prior to further collection or reporting. FCRA 611 ( 15 U.S.C. 1681i ) Requires disclosure of the method and evidence of verification. FCRA 623 ( 15 U.S.C. 1681s-2 ) Prohibits furnishing inaccurate or unverifiable information. FCRA 1681i ( a ) ( 5 ) ( A ) Requires deletion of unverifiable information. 15 U.S.C. 1681n & 1681o Establish civil liability for willful and negligent noncompliance. As Transworld Systems has not provided validation, this alleged debt ceases to exist for reporting or collection purposes. Its continued presence on my credit report constitutes willful noncompliance and ongoing consumer harm. I respectfully request that the CFPB compel Transworld Systems Inc. to : 1. Immediately delete this account from all consumer credit reporting agencies. 2. Provide written confirmation that no lawful validation exists for this alleged obligation. 3. Ensure no further collection or reporting activity occurs related to this matter. This complaint is made in good faith and is supported by my previous correspondence, which remains unanswered. I request prompt investigation and enforcement to ensure compliance with federal consumer protection laws. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DFC Global Corp.
State: CA

Complaint narrative:
On XXXX XXXX I received multiple harassing phone calls from individuals claiming to represent a law firm called XXXX XXXX XXXX about a supposed debt. The callers made false legal threats and used several phone numbers. 
Details : Caller XXXX : Male with a fake-sounding accent from ( XXXX ) XXXX. Left a voicemail saying a judgment XXXX had been filed against me and told me to call another number for XXXX XXXX XXXX and that my reference number was XXXX and mentioned my full name and last XXXX of my social security number. 
When I called ( XXXX ) XXXX, the line hung up on me multiple times. 
Later, a man named XXXX answered from ( XXXX ) XXXX, claimed I owed {$590.00} to XXXX XXXX, then said {$1500.00} has now been added in supposed fees. He hung up on me several times. 
When I said I would report the behavior, he called back from ( XXXX ) XXXX, called me a XXXX and hung up again. 
I blocked all the numbers they called me from but I dont know if thats gon na stop them because they can use another number to call me from Why I Believe Its Fraudulent : They made false legal claims, refused to identify themselves or provide written proof, used multiple numbers, and verbally harassed meviolating federal and state debt-collection laws.

Company response to consumer: Closed with explanation