vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has failed to conduct a lawful and reasonable reinvestigation of inaccurate information being reported on my consumer credit file despite multiple disputes and repeated notifications identifying specific errors. Rather than providing meaningful corrections or demonstrating that a proper and independent investigation was conducted, I continue to receive repetitive and generic responses stating that the information was verified or updated, despite no material changes being made to the disputed items. I am not disputing ownership of the accounts ; rather, I am disputing the accuracy, completeness, and legal reporting of the information being furnished and maintained on my credit file. I have maintained documentation establishing a clear pattern of inadequate investigations and continued reliance on furnisher responses instead of conducting an independent review as required under the Fair Credit Reporting Act. The continued reporting of inaccurate and misleading information has caused financial hardship, emotional distress, and has negatively impacted my ability to obtain fair access to credit opportunities and financial stability.

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 2026-05-27 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: TX

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I needed to buy a custom pen, the man i sent the money to is the one who claimed he runs a business, and can have the custom pen brung to me by the end of the day. I bought a shirt from him before so i had reason to trust him. We discussed the transaction, and he confirmed that he would show before the day ends. Once he was " ready to take me my pen '', he told me to " send the money so he can pull off and head my way '', so i did as instructed. After he took the money he claimed he had work and would be taking me my item shortly after. He did not take me my item, and when I confronted him about said item, he not only ignored me after seeing the text, but blocked me as well ensuring no further contact could take place. I requested a refund and no money has been returned to my account. I was scammed by a man who claimed to run a true business, and now he has my XXXX XXXX dollars that I need back. I reported the scam on cashapp and am awaiting action from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Was approved for a 30 day extension on XX/XX/year>. And again approved for another 30 day extension on XX/XX/year>. However, the company has now informed me that they cant find the paperwork and some representatives saying it never happened.

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 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/year>, I was charged {$180.00} by the merchant XXXX via my Cash App Card. The merchant 's official billing system states that my actual confirmed cost was supposed to be {$30.00}, and that the remaining {$150.00} was officially " Refunded '' and marked as a " Dispute won '' in their system as of XX/XX/year>. However, on XX/XX/year>, Cash App ( Block, Inc. ) sent me a notice stating they denied my dispute for the {$150.00} and reversed my temporary credit, taking the money directly out of my Cash balance. Cash App claims that based on information from the merchant, " no error occurred. '' This is factually incorrect. The merchants own care portal explicitly shows the transaction status as " Refunded '' and acknowledges that I am only responsible for the {$30.00} confirmed cost. Cash App is wrongfully withholding my refunded balance of {$150.00} and refusing to honor the merchant 's own adjustment. I am seeking a full restoration of my {$150.00} credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
This repossession reporting is inaccurate and incomplete. I redeemed the vehicle by paying the required redemption amount, which the lender accepted. Redemption legally cures the default and voids the repossession, provided payment is accepted prior to sale. Despite redemption, the lender failed to release the vehicle to me and instead placed or retained the vehicle at auction. Once redemption is completed and accepted, the repossession is no longer valid and should not be reported as a repossession or charge-off. Reporting a repossession after redemption misrepresents the true status of the account and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which requires that all reported information be accurate and complete. Additionally : - The lender accepted redemption funds - No lawful post-redemption repossession occurred - Any continued reporting of repossession, repo balance, or similar derogatory status is inaccurate I am requesting that you conduct a reinvestigation and either : 1. Remove the repossession entirely, or 2. Correct the account to reflect redemption and remove all repossession-related derogatory notations Please provide written confirmation of the results of your investigation. Enclosed/attached is documentation supporting my redemption payment. Thank you for your prompt attention to this matter. PLEASE STOP CLOSING THIS SO SUDDEN. I HAVE SENT ALL THE INFORMATION AND STILL RECIEVED NO FULL CHANCE OF AN INVESTIGATION. PLEASE REVIEW ALL MY DOCUMENTS THA IVE SENT & PLZ DO NOT CLOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: MI

Complaint narrative:
I submitted a payment by cashiers check from XXXX XXXX XXXX for {$8000.00} payable to Upgrade Inc . The payment was accepted and posted to my account by the Upgrade Inc. on or about XX/XX/year> resulting in a 0 balance. I received a payoff letter on XXXX XXXX, XXXX. After payment posted, the creditor later reversed the payment and claimed the check was unsustainable or non-conforming image or other wise invalid, and the amount of {$8000.00} was reversed on my account on XX/XX/year> bringing my account over 60 days past due. I have repeatedly requested confirmation and clarification from Upgrade Inc. regarding, why the payment was reversed, where the original check was processed, whether the check was deposited or returned, copies of any return notices. I have reached out to upgrade everyday since XX/XX/year> requesting to speak to a supervisor and have been told multiple times that they will return my call, with no result. To this date I have not received a clear explanation or sufficient documentation supporting the reversal. To date, the unresolved dispute Upgrade continues to treat my balance as owed and assessing interest, fees, or negative reporting associated with the disputed amount. Representatives have been unable to explain where the check went or provide records showing the payment was reject by the finical institution. I am requesting CFPB assistance in obtaining a proper investigation and written response from Upgrade. To this date XX/XX/year> My bank does not show the check being reconciled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
Payment in amount of XXXX was conducted from XXXX XXXX account ( XXXX ) on XXXX by XXXX XXXX XXXX XXXX to account of XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was the 40 % payment for the XXXX XXXX between XXXX XXXX and XXXX XXXX XXXX XXXX , the subject of contract is XXXX. Regarding tracking information XXXX ( XXXX ) reject the payment on XXXX. Then account manager from XXXX told me that the funds were blocked by CITYBANK N.A XXXX ( XXXX ) on XXXX. On XXXX I applied to XXXX for a license to unblock my funds. On XXXX I have received license XXXX authorizing CITYBANK N.A. to return the funds to the originator. On XXXX we tried to contact XXXX XXXX. from XXXX XXXX informing them on the fact of issuance of the above mentioned license and asking them to return the funds to my account in non-sanctioned bank. Still, CITYBANK N.A. has not responded. Thus, I can not receive my money even having the license authorizing it.

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 2026-05-27 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I scheduled a payoff payment of {$670.00} within payment system to avoid having promotional interest applied to my account in the amount of {$410.00}. Instead of taking the scheduled payment, the autopay system took the minimum payment instead. When I received my next months statement thinking it was paid off, it showed I was charged {$410.00}. When I reached out to the company, they were not interested in investigating, simply stating I did not make the payment in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
Im writing to file a complaint against Portfolio Recovery Associates , LLC for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am submitting a formal complaint regarding the remaining balance associated with my XXXX purchase financed through both XXXX and Comenity Capital Bank. At the time of purchase, part of the value and agreement presented to me included ongoing benefits, services, and support through the specific XXXX location where I purchased my dog. That location permanently closed several years ago, and the benefits and services represented at the time of sale are no longer available. The original financing was split between a XXXX loan and a XXXX credit card issued through Comenity Capital Bank. I fully paid off the XXXX loan, which totaled approximately {$4000.00}. The remaining balance of approximately {$2000.00} is connected to the Comenity/XXXX credit card account. To date, I have already paid approximately {$5200.00} toward this overall purchase obligation leaving me with a remaining {$800.00} balance with Comenity Bank. Despite this substantial payment history, I am still being pursued for the remaining balance even though the originally represented ongoing services and support tied to the XXXX location are no longer available due to the permanent closure of the store. Ive stopped paying on the account as Ive reached out to XXXX about this multiple times including other issues Ive had with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: OH

Complaint narrative:
I rented a stereo from XXXXXXXX XXXX XXXX upon receiving the stereo I immediately contacted the store the remote was not working the manager stated he couldn't find another remote to make a long story short the stereo became defective the store refuse to replace it or pick it up and they continue to try to charge me for defective equipment they never tried to come and retrieve the defective equipment to gain Commission and charge me for it on my credit report no one ever came to the door for payment or the equipment I told them to come and get it it was defective they refused the company can't show any documentation where they tried to retrieve it or I refuse payment I'm not going to pay for something that's defective or I can no longer use they broke the contract

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
I am submitting this complaint because Fair Collections & Outsourcing is reporting a fraudulent {$160000.00} apartment-related debt on my credit reports. I do not owe this debt, did not open or authorize this account, did not sign a lease or rental agreement for this debt, and believe it resulted from identity theft. I previously had my identification stolen and reported identity theft. Fair Collections & Outsourcing was previously notified in 2023 of my identity-theft issue regarding another fraudulent debt from the same general time period. I provided proof at that time, and the prior fraudulent debt was removed. This newly reported {$160000.00} debt appears to be from the same identity-theft window, yet Fair Collections & Outsourcing reported it to the credit bureaus anyway. Fair Collections & Outsourcing was able to locate my current address for collection and reporting purposes, but appears to have failed to review or connect its own prior records showing that I had already reported identity theft and that another fraudulent debt from the same period had previously been removed. I believe this shows a failure to conduct a reasonable investigation before reporting this debt and a failure to maintain reasonable procedures for handling identity-theft accounts. I am also concerned because Fair Collections & Outsourcing has previously been involved in legal action related to similar issues involving identity-theft debt collection and credit reporting practices. Given that history, the company should have known to investigate this matter carefully before reporting a large apartment-related debt as mine. This reporting is causing serious harm because the balance is extremely large and is damaging my credit profile. I am requesting that Fair Collections & Outsourcing immediately delete and remove this fraudulent debt from all credit reporting agencies, cease all collection activity, preserve all records related to this account and my prior identity-theft dispute, and provide documentation showing the basis for reporting this debt as mine. I have a prior police report related to the identity theft and am updating my identity-theft documentation to include this newly discovered fraudulent {$160000.00} apartment-related debt. I am also disputing this account with the credit reporting agencies as identity theft and requesting that it be blocked from my credit reports. I included a photo of personal delivery to Fair Collections & Outsourcing of the documents attached from XXXX 2023. The envelop was delivered to their XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX address back. The company is now located at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD 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 2026-05-27 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: OH

Complaint narrative:
The communication I received on XX/XX/year> stating that my loans were paid in full, combined with the current {$0.00} payment due status, reasonably led me to believe that my loans had been forgiven, discharged, satisfied, or otherwise resolved. Receiving these representations while still showing an outstanding balance is misleading and has caused significant confusion regarding the true status of my federal student loans. If the paid-in-full notice was sent in error, I request a detailed written explanation of : * why the notice was issued, * what specific status my loans were placed in at that time, * and what authority MOHELA relied upon in communicating that the loans were satisfied. I also request confirmation as to whether my account was reviewed for any forgiveness, discharge, income-driven repayment adjustment, administrative correction, or other relief program prior to issuing this communication. Because I relied upon the information provided by MOHELA regarding the apparent resolution of my account, I am formally disputing any inconsistent balance information until this matter is fully investigated and clarified in writing.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-27 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: TX

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from my credit report.

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 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I closed a Citi XXXX XXXX credit card ending in XXXX a couple of months ago. When I spoke with the representative, I paid the balance they quoted me and specifically asked whether this would pay it in full, with no further bills to follow. They confirmed it would. I recently checked my credit report and it now shows a remaining balance of {$200.00}, with {$110.00} past due. Because the account is closed and no longer appears in my Citi online account, I only have access to the last four digits of the card number ( XXXX ) and have no way to make a payment. My credit report is now showing a late payment. To make matters worse, despite Citi having my current home address on file, I have not received a single physical statement. The customer service has been atrocious.

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 2026-05-27 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: Chime Financial Inc
State: TN

Complaint narrative:
" I am disputing three fraudulent, unauthorized transactions from a fake entity under the descriptor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX totaling {$150.00}. There is no legal business, website, or physical storefront under this name ; it is a ghost merchant profile processing fraudulent charges. Chime has twice denied my claim citing 'no evidence ' despite the merchant being completely uncontactable and unverifiable. I have fully locked my card. I demand a manual compliance review and the immediate return of my stolen {$50.00} and {$100.00} funds under Regulation E protections. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: PA

Complaint narrative:
I had some clothing items I was hoping to sell on XXXX. I listed some items and quickly started seeing some interest. While on the screen to enter my bank info, a chat window popped up. The person on the chat made themselves out to be assisting with the bank verification process and asked me to authorize a test transaction to confirm the account details. They said the transaction would be a small, nominal fee that would then be returned to my account once the account was verified. The small, nominal amount was almost {$700.00}. After a few minutes I knew I had been scammed. I logged off of the chat and contacted my bank to ask them to stop the transaction. My bank denied my fraud claim after completing their investigation. I have requested the documents used in the claim and I'm awaiting them by mail. I have since seen others online with similar issues. We think we are setting up a XXXX sellers account and instead a company named XXXX XXXX scams us out of our money. And banks are allowing this to happen.

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 2026-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My personal information is not accepted in bank and i don't understand why

Company response to consumer: Closed with explanation