vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
My Cash App account was closed. I am a great grandmother. I send money to my children, my grandchildren and XXXX for my siblings and my other family members. They do not have access to XXXX XXXX or XXXX so I need my cash app account reopened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I have called every month since XXXX of XXXX trying to get my account payments to count. They have taken out 5 payments out of the 8 payments they promised they would. My account keeps being put on forbearance. Every time I call they say its fixed. When I talked to them a few weeks ago they said it would take 90 business days to fix. I should have 120 payments and have my student loans forgiven next XXXX but they keep stopping my payments. The 5 that they have taken out automatically are not showing up on the federal site and therefore do not count towards my 120 payments. I am currently at 97 out of 120 per the US government but if Mohela wasn't scamming me, I would be at 105. 

I spoke verbally with Mohela on XX/XX/XXXX and filed a complaint with the Texas Attorney General I spoke verbally with Mohela on XX/XX/XXXX about continued payments not counting I spoke verbally with Mohela on XX/XX/XXXX and sent them a message through their site. 

I spoke verbally with Mohela on XX/XX/XXXX and was told to Apply for IDR to get out of forbearance, i was later told this was what was keeping me in forbearance because it takes 90 business days for the application to be finished AND you are in forbearance while that happens and I filed a complaint with FSA about Mohela not taking my money and taking my money but it counting. 

I spoke verbally with Mohela on XX/XX/XXXX after I received an email stating my loans were in forbearance because of a lawsuit against SAVE plans. I wasn't in a save plan though, I was in a balanced. They told me it was fine and money would be taken out and it would count. It was taken out, but it didn't count. 

I spoke verbally with Mohela on XX/XX/XXXX my payment was supposed to come out but didnt. They said it would come out and everything was fine. It did come out but it didn't count towards my payment count. 

XX/XX/XXXX Complained verbally to Mohela that my payments weren't coming out. They said they would. They did come out the following month but it didn't count towards my payment counts.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX XXXX XXXXn[Helvey & Associates]\nXXXX XXXX XXXX XXXX XXXX XXXX\n\nSubject: Dispute of Collection Account  Request for Removal\n\nDear [Helvey & Associates],\n\nI am writing to formally dispute a collection account that appears on my credit report. The account in question is as follows:\n\t\tCreditor Name: XXXX XXXX XXXX\tAccount Number: XXXX XXXX XXXXn\t\tCollection Agency: [Helvey&Associates]\n\t\tDate of Account: XXXXn\t\tAmount: XXXXn\nThis account has been paid in full and is currently in good standing. I have attached proof of payment, including [bank statements, confirmation letters, or receipts], for your reference.\n\nAs the account is no longer delinquent and has been resolved, I am requesting that it be updated immediately to reflect a paid and current status. Additionally, I respectfully request that the collection record be removed from my credit report, as it is no longer applicable and negatively impacts my creditworthiness.\n\nUnder the Fair Credit Reporting Act (FCRA), I am entitled to dispute information I believe is inaccurate or misleading. Reporting a paid and current account as being in collections is misleading and does not accurately reflect the status of the account.\n\nPlease investigate this matter and update the necessary records with all credit reporting agencies. I would appreciate written confirmation once the correction has been made.\n\nThank you for your attention to this matter.\n\nSincerely,\XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: IN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-28 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: TX

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 non-monetary relief
Consumer complaint received 2025-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing the accuracy and validity of the account listed by XXXX XXXX on my credit report. This account is identified as a medical debt collection, with an original balance of {$630.00}. However, it is improperly reported and violates updated credit reporting standards and federal protections. 

As of XX/XX/year>, the XXXX XXXX  credit bureaus XXXX, XXXX, and TransUnion, implemented significant changes regarding the reporting of medical debt.

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 2025-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
I am not liable for this debt with JEFFERSON CAPITAL LLC, I do not have a contract with JEFFERSON CAPITAL LLC. They did not provide me with the original contract as I requested

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: TN

Complaint narrative:
I have called several times and went on the app several times to file disputes on unauthorized transactions and nothing has been done so I call back and they tell me everything that I have not filed a disputes or complaints and everything I have filed one they give me a case number or ticket number but when nothing was done and I call yet again I am told nothing has been filed and yet again they supposively file a disputes and give me a case number nothing is done and I have went threw this several times I believe they should not lie and rip off there customers repeatedly...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: SC

Complaint narrative:
On XX/XX/year>, I visited the PNC Bank branch located on XXXX XXXX in XXXX, SC to withdraw funds from my personal account. I was unexpectedly told that my account had been placed on hold, and I was treated as if I were involved in fraudulent activity. I was never given a valid explanation, despite showing proper identification and confirming all account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Recently, I reviewed a copy of my XXXX  credit report and identified multiple inaccurate, unauthorized, or unverifiable items that are negatively impacting my credit score and financial opportunities. I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate the following concerns and ensure that XXXX upholds the Fair Credit Reporting Act ( FCRA ) standards for accurate and verifiable reporting. 

Items for Investigation : 1. Collection Accounts Inaccurate / Unverified Debts These debts either do not belong to me, have already been resolved, or contain errors that violate the FCRA : XXXX XXXX XXXX Amount : {$480.00} Original Creditor : XXXX XXXX XXXX XXXX  Dispute : I do not recognize this debt and have not received verification or billing from this agency. Please validate this debt or remove it immediately. 

Midland Credit Management Account # XXXX Balance : {$440.00} | Original Creditor : XXXX Account # XXXX Balance : {$360.00} | Original Creditor : XXXX Account # XXXX Balance : {$170.00} | Original Creditor : XXXX XXXX  Dispute : Multiple entries from Midland Credit appear to be duplicates or outdated. I request immediate validation and removal of any unverifiable or erroneous listings. 

XXXX XXXX XXXX ( XXXX ) Amount : {$220.00} Original Creditor : XXXX Dispute : I paid my balance with XXXX directly. This third-party listing is inaccurate and should be removed. 

XXXX, XXXX. 

Amount : {$130.00} Original Creditor : XXXX XXXX XXXX XXXX Dispute : This collection appears without proper notice or documentation. I request full verification or immediate deletion. 

2. Hard Inquiries Unauthorized Credit Pulls I also identified unauthorized hard inquiries listed on my credit report that I did not approve. These inquiries are negatively affecting my creditworthiness and were made without my consent. 

XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I did not authorize any of these hard inquiries. Under FCRA regulations, furnishers must have a permissible purpose. I request proof of authorization for each inquiry or their immediate removal. 

These accounts and inquiries are damaging my credit and do not meet FCRA requirements for accurate, verified, and timely reporting. I am requesting : A full investigation into each disputed item listed above. 

Written verification or deletion of any item that can not be substantiated. 

Removal of all unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SUNRISE CREDIT SERVICES, INC
State: MN

Complaint narrative:
To Whom It May Concern, I am formally disputing the alleged debt that / Sunrise Credit / XXXX has reported to my credit file. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I am requesting full validation of this debt, as I have never entered into any contractual agreement with the alleged creditor that would obligate me to this debt. Furthermore, it has come to my attention that the alleged creditor engages in securitization practices, meaning this debt may have been bundled, sold, or otherwise transferred to third parties, voiding any original obligation. If this is the case, I demand a full disclosure of all transactions related to this alleged account, including the sale, securitization, and any profits generated from it. To validate this alleged debt, I require the following documentation : Proof of Ownership A signed contract between myself and the original creditor proving that I agreed to this debt under the terms you are attempting to collect. Without my explicit consent, no debt obligation exists. Chain of Title & Assignment Full documentation proving the lawful transfer of this alleged debt from the original creditor to your agency, including the purchase agreement, bill of sale, and all assignments. This must include a flow agreement and transfer of title proving your standing to collect. Original Creditor Agreement A complete copy of the original contract, including the terms and conditions that apply to this alleged debt. If the original agreement contains an arbitration clause, then the proper venue for dispute resolution is arbitrationnot third-party debt collection. Full Accounting Records A detailed, itemized breakdown of the alleged debt, including principal, interest, fees, and all transactions associated with this account. Proof of Lawful Collection Authority Evidence that your company is legally licensed to collect debts in my state and that my private information was lawfully transferred to your agency under 15 U.S.C. 1692b ( 2 ), which prohibits unauthorized disclosure of consumer financial details. Until you provide all of the above-requested documentation, I do not recognize any obligation to this alleged debt. Under 15 U.S.C. 1692g ( b ), you must immediately cease all collection efforts, remove any negative reporting from my credit file, and confirm in writing that no further action will be taken until full validation is provided. Should you fail to comply with this request within 30 days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals Office for investigation and enforcement actions. All responses must be sent in writing to the address listed above. Sincerely, 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 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
was scammed by someone claiming to offer a 40 % discount on my unpaid parking tickets if I paid him directly through XXXX. He claimed to have connections to reduce the balances and instructed me to send payments split across multiple accounts, saying he had XXXX limits. In total, I sent the following amounts from my Citibank account via XXXX : {$1200.00} on XX/XX/XXXX {$400.00} on XX/XX/XXXX {$500.00} on XX/XX/XXXX {$1300.00} and {$150.00} on XX/XX/XXXX After realizing I had been defrauded and the service was not legitimate, I filed a fraud claim with Citibank. Instead of helping, Citibank froze my account without warning, waited 10 days to notify me of anything, and then verbally told me the case was denied. I received no documentation, no investigation summary, no real supportjust a vague statement from a call center rep with a language barrier saying we cant help you. 

When I told Citibank that I had text message evidence from the scammerincluding screenshots where he gave instructions on where to send the money and falsely showed that the tickets were taken care ofthey said, If we need anything, well let you know. They never followed up or asked for anything. They simply denied the claim without allowing me to submit proof or participate in the investigation. 

Citibank failed to protect me as a customer from an obvious scam involving multiple same-day XXXX transfers to unknown parties. The process was dismissive, misleading, and negligent. I was left without answers, without support, and without the opportunity to provide clear evidence of 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 explanation
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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