vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My granddaughter passed away on XX/XX/XXXX. I am a licensed insurance broker and the owner of a life insurance policy I wrote on my son, which included a child rider for my granddaughter. As the policy owner, I am entitled to receive proceeds from the child rider. I paid for my granddaughter 's funeral expenses out of pocket with the expectation that the life insurance proceeds would reimburse me for these costs. 
Due to delays with the insurance company, the check for {$25000.00} was issued by XXXX XXXXXXXX on XX/XX/XXXX ( check number XXXX ). On XX/XX/XXXX, I deposited this life insurance check at a Wells Fargo branch into my personal checking account. 
The very next day, XX/XX/XXXX, without any prior notice, authorization, or my consent, Wells Fargo seized {$21000.00} from my account and applied it to offset a business credit card debt. 
I was never : -Notified in advance that Wells Fargo intended to take these funds -Given any opportunity to object or make alternative arrangements -Asked for permission or authorization -Provided with any written communication about right of offset -Informed at the time of deposit that these funds would be seized I only discovered my account had been emptied when I checked my balance. I am now unable to reimburse myself for the significant funeral expenses I paid or purchase my granddaughter 's headstone. 
I have maintained this personal checking account since XX/XX/XXXX ( originally with XXXX, then Wells Fargo after the acquisition ). I signed as a personal guarantor for the business credit card approximately 3 years ago. Throughout those 3 years, I have received bi-weekly payroll direct deposits and made numerous other deposits. Wells Fargo has NEVER seized any funds from my personal account until this one deposit - the life insurance proceeds from my granddaughter 's death. This selective targeting raises serious questions about Wells Fargo 's practices.

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 2025-10-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Than you for your turn, I made a complaint with Capitol one. You would think when you have something incorrect with one credit reporting, they would update accounts across the board. Capital one updates XXXX XXXX still states that the last time these people reported my coverage was in XXXX! Were in XXXX! The balance is {$0.00} and closes this should reflect on XXXX, XXXX, and equilfax. I tried to go directly on XXXX  website and for capital one I see the account but not able to dispute, another complaint should be filed with XXXX XXXX if you cant report the correct information why are you open?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WESTERN UNION COMPANY, THE
State: TN

Complaint narrative:
I made a payment on XX/XX/ with my XXXX XXXX XXXXXXXX Account of {$340.00} to my son Inlaw in XXXX and the transaction said successful from my end but failed from receivers need and I contacted western union about this severally but they kept telling me that theyre working on it but up till now the money has not yet been refunded or sent to my receiver

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date : XX/XX/XXXX To : XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Reporting Capital One Bank USA NA XXXX Acct. ending in XXXX ) To Whom It May Concern, I am writing to formally dispute inaccurate, incomplete, and misleading information being reported on my Equifax credit report regarding the following account : Creditor : Capital One Bank USA NA Account Number : Ending in XXXX Reported Balance : {$400.00} Credit Limit : {$300.00} Date Opened : XX/XX/XXXX Status : Charged Off / Closed by Credit Grantor Upon review, the information reported for this account is factually inconsistent and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The following discrepancies must be addressed : Charge-Offs Should Not Report Active or Past-Due Balances : The account is listed as CHARGED OFF yet still reports a past-due balance and a current balance of {$400.00}. 
Once a debt is charged off, the creditor has declared it as a loss for accounting purposes. It is misleading and unlawful to report both a charge-off and an outstanding or past-due balance as if the account remains collectible or open. 
This violates FCRA 1681e ( b ) ( accuracy of information ) and FCRA 623 ( a ) ( 1 ) ( A ), which require furnishers to provide information that is accurate and not misleading. 

Mathematical and Reporting Discrepancy : The reported balance of {$400.00} exceeds the original credit limit of {$300.00}, which is impossible and inaccurate. This clearly fails the maximum possible accuracy standard under FCRA 1681e ( b ). 

Missing Account Details : The report does not include a Date of Last Activity, yet lists a Date of First Delinquency ( XX/XX/XXXX ) and a Date Reported ( XX/XX/XXXX ). The absence of a verified last activity date creates ambiguity about the accounts reporting timeline and raises concerns of re-aging, which is prohibited under FCRA 623 ( a ) ( 5 ). 

Incomplete or Misleading Status Information : The account is described as ACCOUNT CLOSED BY CREDIT GRANTOR / CHARGED OFF ACCOUNT, but no indication is provided whether it was sold or transferred to another entity. Failing to include that information renders the tradeline incomplete in violation of FCRA 1681i ( a ) ( reinvestigation requirement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: AL

Complaint narrative:
My payroll is set up for direct deposit into Cash App. On XX/XX/year>, my payroll deposited {$1100.00} leaving me with a total of {$1100.00} in my Cash App account. I initiated an instant transfer to my checking account at XXXX XXXX XXXX XXXX. After the transfer declined a few times, it eventually appeared to go through. Cash App charged a {$20.00} instant transfer fee, leaving {$1100.00} to be deposited. However, the transfer never arrived in my account. XXXX XXXX XXXX XXXX explained that their system was down at the time of the transaction, so the funds should have automatically reversed back to Cash App. Now, both institutions are denying responsibility, and I still have not been reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In my letter, I disputed the alleged debt and requested documentation proving that I owe it, as allowed under the Fair Debt Collection Practices Act ( FDCPA ). Despite this, the company has continued collection activity, including remove in 4 business days This is a violation of my rights under the FDCPA because they are attempting to collect without providing proper validation and ignoring my cease-and-desist request. I am requesting that the CFPB require this company to stop all collection activity until they provide full validation of the alleged debt, and to correct any inaccurate reporting to the credit bureaus.

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 2025-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am submitting a cease and desist and debt dispute notice under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ). These companies have attempted to collect debts I do not acknowledge and have continued contacting me despite prior notices. I request immediate investigation and enforcement of my right to cease all communication and verify the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Formal Complaint Against Citibank , N.A . 

Dear CFPB Representative, I am writing to file a formal complaint and request a full investigation into Citibank , N.A . for continuing to report fraudulent and inaccurate information to the credit bureaus, which is damaging my credit score and reputation.

This account was previously disputed, investigated, and settled. I have already submitted the required documentation and communications proving that the matter was resolved. Despite this, Citibank continues to report derogatory information, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), and represents a failure to maintain accurate consumer reporting. 

I have contacted Citibank multiple times to correct or remove the inaccurate data, but no corrective action has been taken. This has caused measurable harm to my credit score, resulting in denial of credit opportunities and emotional distress.

Under FCRA 611 and FCRA 623, data furnishers are required to : 1. Conduct a reasonable investigation of any disputed information.

2. Cease reporting inaccurate or unverifiable data.

3. Correct and update the consumers file promptly once an error or fraud has been confirmed.

Citibanks continued reporting after settlement and closure demonstrates willful negligence and noncompliance with these federal standards.

I respectfully request that the CFPB : 1. Investigate Citibank , N.A . for their continued reporting of inaccurate and fraudulent information.

2. Require immediate correction and removal of all fraudulent and settled account information from my credit report.

3. Ensure Citibank provides written confirmation to me and the credit bureaus verifying that the matter is permanently resolved.

Enclosed ( or attached ) are copies of : Settlement or closure documents.

Previous correspondence with Citibank.

Recent credit report excerpts showing continued negative reporting.

Thank you for your prompt attention to this matter. I look forward to your response and confirmation that an investigation has been initiated.

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 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
They sold my debt without permission and Im asking that it be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: MO

Complaint narrative:
On Cashapp i accidentally sent money to my boyfriends account instead of someone else and it wasnt my money to give to anyone but the other person, but because i accidentally sent it to his, his negative balance ate the money and now he cant send XXXX back or refund it because theres no money to refund because his overdraft took it. And cashapp support said they couldnt help me and it wasnt stealing but technically it is because theyve been able to help us get the money back before and it wasnt my money in the first place. This isnt the first time this has happened, but this is the first time theyve refused every time to help me or to talk to a manager or supervisor. They just say no no no I cant do anything. Its very frustrating because if theyve done the work to fix this issue before why cant they fix it now? Its also frustrating because I received texts that it would be resolved or that it was in my account but its not. All the cashapp app does when i report an issue is say to request a refund but on my boyfriends account it says it cant refund because theres nothing to refund as he has a negative balance. So no one can help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: MI

Complaint narrative:
b'Consolidation company took extra payments money without permission'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: NV

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within XXXX business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information 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 non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for Citi 's XXXX card and submitted an additional IRS form that they reqested. 

Their response was that they could not verify some of the information on the application. After multiple attempts, no one could tell me what specific information they weren't able to verify.

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 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: LEXISNEXIS
State: MO

Complaint narrative:
I have been sending multiple letters of verification and multiple phone calls about the violation of my consumer rights. Each time the company replies and says ' '' verified by XXXX  ''. XXXX is not a valuable source of this reporting on my consumer report.

15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681q - Obtaining information under false pretenses I just recieved a response of the same exact response of the way they have verified the information. The court has stated they don't report to any consumer reporting agencies. If the courts have stated they don't report to any consumer reporting agencies, why is LEXISNEXIS reporting this to my consumer report. There was no permissible purpose granted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: SC

Complaint narrative:
Details of the Complaint : I am filing this complaint against one or more of the nationwide credit reporting agencies ( Equifax, Experian, TransUnion ) for reporting a derogatory account that is not legally verifiable and which the alleged furnisher, XXXX XXXX XXXX, has explicitly denied ownership of in response to previous CFPB complaints. 
I previously filed XXXX CFPB complaints against XXXX XXXX XXXX, in which I provided documentation showing that they are reporting a negative collection account on my credit report. In both responses, XXXX XXXX XXXX confirmed that they are not the company responsible for this account and stated that they have no knowledge or connection to it. 
Despite this, the credit bureaus continue to report the account, which now constitutes false and inaccurate reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). The FCRA mandates that credit bureaus maintain maximum possible accuracy in the data they report.

This account is now : Not verifiable Disputed with proof that the furnisher denies responsibility Still being reported as valid and derogatory This is a direct violation of FCRA, and I am demanding that this account be immediately deleted from my credit reports with all nationwide credit bureaus.

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 2025-10-05 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: SC

Complaint narrative:
Details of the Complaint : I am filing this complaint against one or more of the nationwide credit reporting agencies ( Equifax, Experian, TransUnion ) for reporting a derogatory account that is not legally verifiable and which the alleged furnisher, XXXX XXXX XXXX, has explicitly denied ownership of in response to previous CFPB complaints. 
I previously filed XXXX CFPB complaints against XXXX XXXX XXXX, in which I provided documentation showing that they are reporting a negative collection account on my credit report. In both responses, XXXX XXXX XXXX confirmed that they are not the company responsible for this account and stated that they have no knowledge or connection to it. 
Despite this, the credit bureaus continue to report the account, which now constitutes false and inaccurate reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). The FCRA mandates that credit bureaus maintain maximum possible accuracy in the data they report.

This account is now : Not verifiable Disputed with proof that the furnisher denies responsibility Still being reported as valid and derogatory This is a direct violation of FCRA, and I am demanding that this account be immediately deleted from my credit reports with all nationwide credit bureaus.

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 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I discovered that my Citibank checking account had been charged multiple $ XXXX monthly service fees. I rarely use this account and had always believed that maintaining a {$1500.00} minimum balance would waive the fee. 

It appears Citibank changed its waiver requirements around XX/XX/XXXX, but I never received clear notice of this change. As a result, I was charged for over a year without realizing it. 

I contacted customer service, and they refunded only 4 months out of 12 months ( about {$60.00} ). I then asked for a supervisor review, but the supervisor refused to refund anything beyond that. The phone experience was extremely frustrating I had difficulty understanding the representatives, and the customer service attitude was dismissive and unhelpful. 

I believe this is unfair because the change was not communicated transparently, and the way the issue was handled shows very poor customer care. I am requesting a full refund of all $ XXXX monthly fees charged since XX/XX/XXXX. Regardless of the outcome, I will be closing this checking account due to these fees and the terrible customer service experience. This entire situation has significantly damaged my trust in Citibank as a whole.

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