vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had been a Macy 's account holder for almost 25 years. I worked at XXXX XXXX during my college years in XXXX and got my first credit card then. Through almost foreclosure during my pre-divorce years, divorce, multiple natural disasters affecting my income- I still maintained my Macy 's card. Recently I have been on an entrepreneur journey while also navigating separation, natural disasters, and illness that directly impacted my income over the last 7 or 8 months intermittently. In XXXX, one and two months after two natural disasters hit XXXX, one of my payments was returned ( XX/XX/XXXX ). On XX/XX/XXXX I made a payment to correct this. In XX/XX/XXXX, one of my payments was returned. I spoke with a rep and she assured me that my account was still active and I made the payment on XX/XX/XXXX. I explained to the rep that I had been going through a hardship recently. She marked it down. On XX/XX/XXXX my account was closed. My next due date was XX/XX/XXXX. I also had two other Citi cards. One had been in good standing and only opened for about 17 or 18 months. The other was above the credit limit and I owed a payment due to the payment being returned. I explained to that rep about my hardship and I figured out a way to make the payment. They closed BOTH cards right after the payment. So in total Citi closed all three cards I had with them at a time when I explained I had experienced a hardship and was coming out of it. I understand credit cards have the right to close accounts. But the way they deceived me by reassuring me so that I made the payment only to immediately close it is enormously deceptive. And the ability to close all three accounts at once should not be available because it can crash my credit even worse in a temporary moment when I have expressed a temporary hardship partially related to the impact of multiple natural disasters. I am filing a complaint but I also want to bring awareness and hope that in the future other avenues will exist for consumers during times like this to protect them. The credit card companies could place a hold on your account where 6 on time payments must be made before you can access credit. That way they ensure that you are indeed out of the gray and ready for credit without tanking your ability in the near future to adjust life such as changing apartments, etc. I had that account for 25 years and 6 mos with two returned payments which I paid fees for and made the payment- no consideration. It's heartbreaking and there should be some due process available if the citizen wants to keep the card open. Consumers should know about Citibank 's inconsiderate process once they have opened a card with them.

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 2025-03-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Collection Systems, Inc.
State: CT

Complaint narrative:
I have contacted National Credit Management on XX/XX/25, XXXX, & XXXX in regards to a debt they are reporting on my credit report that is related to XXXX XXXX XXXX XXXX University has double charged the tuition to my XXXX XXXX XXXX and privately to this debt collector. My obligation is to the federal government not the school or this debt collector. This debt collector has promised to produce documentation by the following day after our interaction and has not been able to. I should not be chasing this debt collector to rectify something that is incorrect especially when they are involved in predatory behavior seeking double the funds that are not owed to the school.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My only name and address is. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas 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 2025-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
I recently submitted a complaint to this organization, cfpb regarding a delinquency report on my credit from my mortgage company Fay Servicing. Complaint ID is XXXX. 
Your investigation was not thorough and frankly, useless. I know what Fay Servicing said. You took what they, a XXXX XXXX  rated company with multiple complaints and law suits word against mine. That was the extent of your investigation. 
I know what they said ; I expected you to investigate the particulars of this issue a little more intensely. I was lied to by their people, I felt I was protected due to my situation and what I was told. 
I never would have not made the payments on my mortgage without being assured this was a deferment and the payments would be added to the back end of the mortgage. 
Im not an XXXX Point is, I dont feel you did your due diligence as an investigative company. You simply took their word against mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: TX

Complaint narrative:
I am writing to formally file a complaint against FirstSource Advantage for failing to provide sufficient documentation and proof of debt ownership concerning an alleged debt they claim I owe to XXXX XXXX. Despite my request for validation of the debt, FirstSource Advantage has not provided the necessary documentation to substantiate their claim. 

On XX/XX/scrub> 2025, I sent a debt validation letter to FirstSource Advantage, as permitted under the Fair Debt Collection Practices Act ( FDCPA ). In that letter, I requested that they provide clear proof that they own the alleged debt, along with a copy of the original purchase agreement that would show they are legally authorized to collect on this debt.

However, as of today, FirstSource Advantage has failed to respond with any adequate documentation to validate this debt. Specifically, they have not provided any proof of ownership of the alleged debt, nor have they provided the requested purchase agreement or other legal documentation showing they have the right to collect on this account. This failure to respond appropriately is in direct violation of my rights under the FDCPA.

I believe that without providing proof of debt ownership and the necessary documentation, FirstSource Advantage is not legally authorized to collect on this debt. I request that the CFPB investigate this matter and take appropriate action against FirstSource Advantage for their non-compliance with debt validation requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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 writing to formally dispute multiple inaccurate items on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). I request a thorough reinvestigation into the following accounts, and if verification can not be provided, they must be deleted immediately. 
Below are the details of the accounts in question : I REQUIRE ORIGINAL CONTRACTS AND SIGNATURE, IF THAT CAN BE PROVIDED THESE ACCOUNTS MUST BE DELETED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: FL

Complaint narrative:
I am writing to formally dispute multiple inaccurate items on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). I request a thorough reinvestigation into the following accounts, and if verification can not be provided, they must be deleted immediately. 
Below are the details of the accounts in question : I REQUIRE ORIGINAL CONTRACTS AND SIGNATURE, IF THAT CAN BE PROVIDED THESE ACCOUNTS MUST BE DELETED

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 2025-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX Inquiry : XXXX. XXXX, 2025 + Banks XXXX Inquiry : XXXX. XXXX, 2025 + Finance/Personal XXXX XXXX Inquiry : XXXX. XXXX, 2025 + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX Inquiry : XXXX. XXXX, 2025 + XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2025 + XXXX XXXX Inquiry : XXXX. XXXX, 2025 + Banks XXXX Inquiry : XXXX. XXXX, 2025 + XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2025 + XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2025 + Travel/Entertainment XXXX XXXX Inquiry : XXXX. XXXX, 2025 + XXXX XXXX and Finance Companies Other Than Personal Finance Companies XXXX XXXX Inquiry : XXXX XXXX, 2025 + XXXX XXXX XXXX Inquiry : XXXX XXXX, 2025 + Banks XXXX XXXX  Inquiry : XXXX XXXX, 2025 + XXXX XXXX Inquiry : XXXX XXXX, 2025 + Finance/Personal XXXX Inquiry : XXXX XXXX, 2025 + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, 2025 + XXXX XXXX Inquiry : XXXX XXXX, 2025 + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, 2025 + XXXX XXXX Inquiry : XXXX XXXX, 2025 + XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX 2025 + XXXX XXXXF Inquiry : XXXX XXXX, 2025 + Finance/Personal XXXX Inquiry : XXXX XXXX, 2025 + Travel/Entertainment XXXX XXXX Inquiry : XXXX XXXX, 2025 + XXXX XXXX XXXX Inquiry : XXXX XXXX, 2025 + XXXX XXXX Inquiry : XXXX XXXX, 2025 + Department/Variety and Other Retail XXXX  Inquiry : XXXX XXXX, 2025 + Department/Variety and Other Retail

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 2025-03-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: GA

Complaint narrative:
To Whom It May Concern : My name is XXXX XXXX XXXX, owner of XX/XX/XXXX a legal XX/XX/XXXX started in XXXX. I am filing this complaint against Cash App ( Block , Inc. ) for unjustly closing my account on XX/XX/XXXX 2025, based on the false claim that my transactions involved gambling. This accusation is entirely false and harmful. 

My business involves teaching candle-making classes and selling candles. I use XXXX and ordered a Square device specifically to integrate with Cash App for easy payments. I even created Cash App QR code logos for people to scan and pay during in-person classes. With many people moving away from traditional banking, Cash App was the most accessible option for my customer base. 

Since the closure, I have been unable to take payments from many of my clients. My class flyer that went out this morning had to be canceled. I had 20 attendees lined up, but after losing access to Cash App, only 5 were able to attend because the others only use Cash App for payments. This has severely impacted my income and business operations.

I provided clear evidence that my account is used for a legitimate candle businessnot gambling. Despite this, Cash App has not reinstated my account or explained which specific transactions were misclassified.

I am requesting : Immediate review and reinstatement of my account.

Correction of the false gambling classification.

An investigation into whether Cash Apps practices violate consumer protection laws. I think they are discriminating against me because I advertise as a small XXXX owner Compensation for damages to my business, if applicable. 


You can verify my business at : XXXX listing My official website Please take appropriate action to hold Cash App accountable for this unjust and damaging mistake. 

Sincerely, XXXX XXXX XXXX XXXX Business : XX/XX/XXXXDate of Account Closure : XXXX XXXX, 2025 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NJ

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2025-03-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am filing a formal complaint against XXXX XXXX, the debt collector for XXXX XXXX XXXX, for inaccurately reporting a debt on my credit report and failing to respond to my attempts to obtain verification. The debt is being reported by XXXX XXXX and appears on my credit report under Account Number : XXXX. However, I have court documents proving that this case was dismissed, and I should not have any outstanding balance related to it. 

Furthermore, I have repeatedly attempted to contact Finely West for more information, but they have refused to answer or return my calls. In addition, I reached out directly to XXXX XXXX XXXX which is supposedly the original creditor, and they confirmed that I do not owe them anything. Despite this, the debt remains on my credit report, harming my financial standing. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting the CFPB to investigate this matter and take appropriate action against Finely West for : 1. Failing to validate the debt upon request 2. Reporting inaccurate and unverified information to the credit bureaus 3. Failing to respond to multiple consumer inquiries I am attaching copies of my court documents, a copy of my credit report showing the disputed debt, and any correspondence related to my attempts to resolve this issue. I ask that this debt be removed from my credit report immediately and that XXXX XXXX be held accountable for violating federal consumer protection laws. 

I appreciate your prompt attention to this matter and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I applied for a personal loan in the amouunt of {$50000.00} at Truist Bank. I have a near perfect credit score ( over XXXX ). I am XXXX. I was asked to provide tax returns ( since I am XXXX ). My business is successful as shown by my tax returns. 

I was told that I was denied because there was not enough $ in my personal account ( which has never been negative ). I have a personal account at another banking institution thar I prefer to use. I only use Truist for my business account l. I use my business for most things since I am self-employed!!! My business account has never been negative and I typically have over {$100000.00} in this account. 

I was asked for paystubs and W-2s from jobs that I had over 2 years ago ( remember I AM XXXX  ). I dont receive W-2s or paystubs, this is why I was asked for tax returns ( which I provided )!!!! I was still denied eventhough my credit score is excellent and I show that my business is very profitable! 

I feel that practices at this bank are discriminatory and I wish for them to be investigated!!!

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 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Southwest Credit Systems , LP XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, TX XXXX Date : XXXX XXXX 2025 RE : Formal Demand to Cease Reporting and Permanently Delete Fraudulent Account Identity Theft Notification To Whom It May Concern, This letter is a formal notice and demand under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding the fraudulent account you are reporting to the credit bureaus under my name : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX I am a victim of identity theft. I have never authorized, applied for, or agreed to any contract or transaction with Southwest Credit Systems , LP. I also never gave permission for my personal information to be shared, sold, or assigned to your agency. Therefore, any account you are reporting is fraudulent and unauthorized.

I am invoking my rights under the following laws : Under the FCRA : 15 U.S. Code 1681c-2 ( Section 605B ) Requires a furnisher to block and delete identity theft-related information within 4 business days once notified.

You are legally required to cease all reporting of this account to credit reporting agencies and block the data.

Under the FDCPA : 15 U.S. Code 1692g ( b ) Once a debt is disputed in writing, you must cease collection and provide proper validation.

15 U.S. Code 1692e Prohibits any use of false, deceptive, or misleading representation, including attempting to collect a debt I do not owe.

I hereby formally demand the following : 1. Cease all reporting and collection efforts related to this fraudulent account.

2. Permanently delete all records associated with this account from your systems and any third-party systems.

3. Provide me with a copy of the original chain of assignment, proving you were legally assigned or sold this account.

4. Provide the forward flow agreement or purchase agreement showing the lawful acquisition of this account.

Continued attempts to collect on this fraudulent debt or reporting it to any credit reporting agency will be considered willful noncompliance, and I will pursue legal remedies under 15 U.S. Code 1681n, 1681o, and 1692k, including actual damages, statutory damages, and attorneys fees.

You must respond within 4 business days from receipt of this letter with confirmation of deletion and a full validation package. Send your response to both the mailing address and email provided above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX Inquiry : XXXX. XXXX, 2025 + Banks XXXX Inquiry : XXXX. XXXX, 2025 + Finance/Personal XXXX XXXX Inquiry : XXXX. XXXX, 2025 + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX Inquiry : XXXX. XXXX, 2025 + XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2025 + XXXX XXXX Inquiry : XXXX. XXXX, 2025 + Banks XXXX Inquiry : XXXX. XXXX, 2025 + XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2025 + XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2025 + Travel/Entertainment XXXX XXXX Inquiry : XXXX. XXXX, 2025 + XXXX XXXX and Finance Companies Other Than Personal Finance Companies XXXX XXXX Inquiry : XXXX XXXX, 2025 + XXXX XXXX XXXX Inquiry : XXXX XXXX, 2025 + Banks XXXX XXXX  Inquiry : XXXX XXXX, 2025 + XXXX XXXX Inquiry : XXXX XXXX, 2025 + Finance/Personal XXXX Inquiry : XXXX XXXX, 2025 + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, 2025 + XXXX XXXX Inquiry : XXXX XXXX, 2025 + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, 2025 + XXXX XXXX Inquiry : XXXX XXXX, 2025 + XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX 2025 + XXXX XXXXF Inquiry : XXXX XXXX, 2025 + Finance/Personal XXXX Inquiry : XXXX XXXX, 2025 + Travel/Entertainment XXXX XXXX Inquiry : XXXX XXXX, 2025 + XXXX XXXX XXXX Inquiry : XXXX XXXX, 2025 + XXXX XXXX Inquiry : XXXX XXXX, 2025 + Department/Variety and Other Retail XXXX  Inquiry : XXXX XXXX, 2025 + Department/Variety and Other Retail

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