vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I opened CDs with HSBC for XXXX months. I received confirmation letters on XX/XX/XXXX and XXXX stating that I shall get my money back to savings account. Upon until now, I am not getting my money. I asked online agents numerous time, the problem is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and XXXX ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to XXXX U.S.C. XXXX, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NC

Complaint narrative:
XX/XX/year> Via Certified Mail Return Receipt Requested To : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Debt Validation Request Alleged Balance of {$260.00} To Whom It May Concern : This letter serves as a formal written request for validation and verification of the alleged debt in the amount of {$260.00}, which Jefferson Capital Systems , LLC has claimed to be owed. 

According to my records : On or about XX/XX/year>, I received written notice from your company regarding the above-referenced alleged debt. 

I have not received any prior communication or substantiating documentation identifying the original creditor, the original balance, or any evidence of a legal assignment of this debt to your company. 

As of this date, no supporting documents or contractual agreements have been provided to establish the validity of this claim. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am requesting that Jefferson Capital Systems , LLC provide the following : Verification of the alleged debt, including the name and contact information of the original creditor, the original account number, and a complete accounting of the alleged balance of {$260.00}, including any fees, interest, or adjustments. 

Copies of all documents or electronic records, including the original signed agreement, establishing my legal responsibility for this debt. 

Proof of transfer or assignment, demonstrating that Jefferson Capital Systems , LLC is the current and lawful owner of this account or is legally authorized to collect it. 

Detailed history of communications and actions, including the dates of all attempts to contact me and any reports or updates made to credit reporting agencies. 

Verification of your licensing and authority to operate as a debt collector within the State oXXXX XXXX XXXX including your license number and issuing authority. 

Until proper validation has been provided, you are required under federal law to cease all collection efforts, including but not limited to written communication, phone calls, and credit reporting activity. Continuing such actions without proper verification constitutes a violation of the FDCPA and may also violate provisions of the Fair Credit Reporting Act ( FCRA ). 

If you are unable to provide the requested documentation within a reasonable time frame, please provide written confirmation that this alleged debt has been closed and that no further collection or credit reporting activity will occur. 

All further communications regarding this matter must be made in writing only. I reserve all rights and defenses available under state and federal law, including the right to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX XXXX Attorney Generals Office in the event of noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-11-12 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: AL

Complaint narrative:
I am submitting a formal dispute concerning the accuracy of the following items reported on my credit file. These accounts are currently being inaccurately reported across the XXXX XXXX  credit bureaus ( XXXX, Experian, and XXXX  ), and I request their immediate investigation and correction. Below are the accounts in dispute : CHARGED OFF XXXX XXXX, XXXX, XX/XX/XXXX, {$370.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$500.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$180.00} XXXX, XXXX, XX/XX/XXXX, {$250.00} XXXX, XXXX, XX/XX/XXXX, {$170.00} INQUIRIES XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX LATE PAYMENTS XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I have sent all the fee required for a international transfer process total spent amount is {$100000.00} But Transfer not Recieves in my account ot not done from Bank of America, only Hooks money from me and not doing this After that I have informed them start a online account and send me a ATM card to me they agreed this and send me account opening form and {$150.00} along with I have sent after that BVN charges and other Clearence charges Ask me and sent all then they said ATM card will be send after paying insurance fee That also sent I have got Customs notification for their Clearence and sent after that ask me to pay authorities charges this also sent lastly send me a copy of Airway bill and sent this fee also After that I was waiting for Delivery of this card But I think he taken money from me and not paying those to Cargo and other departments if this type of work doing a famous Bank in America who is responsible for that there is no any Rules and regulations or arrest those person and put him to jail?

So please check this matter and do needful Action from your side My precious complaint already not finished Please stop this type of cheating work with customer Hope you will be doing this Action against my complaint

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 2025-11-12 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 am writing to dispute the following charged-off account listed on my credit report under TransUnion. The account does not appear to be accurate and should be reviewed for correction. 

Charged Off Account : Account Name : ( No account name provided ) Account Number : ( No account number provided ) Date Open : ( No date provided ) Balance : ( No balance provided )

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 2025-11-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: IN

Complaint narrative:
I filed a charge back on XX/XX/XXXX for {$70.00} with SoFi bank. They informed me they did a charge back to XXXX that was a lie. I spoke to XXXX customer service twice this morning on XX/XX/year> at approximately XXXX XXXX. They informed me that they do not see any dispute or charge back from SoFi bank at all. Im requesting SoFi to return my money as soon as possible as this has caused financial troubles, they had first told me I could get a provisional credit three times then this morning I get an email says Im not eligible for a provisional credit as it doesnt fall under regulation, E, I have not been informed on what regulations my claim falls under nor have I been sent anything on my claim as Ive been asked, for Ive spoken to SoFi plenty of times theyve done nothing but lie to me as a customer, I dont think this is professional. I dont think this is ethical and I do believe this bank is in violation. I have request this being investigated promptly and you promptly sent me the resolution of this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are addresses that I have never been associated with on my credit profile

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 2025-11-12 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: MD

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 2025-11-12 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-11-12 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: AL

Complaint narrative:
I am disputing the following accounts on my Experian credit report, as there may be inaccuracies that need to be corrected to ensure my credit file is accurate. 

Charged Off Accounts XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$72.00} XXXX  XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$510.00} XXXX  XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$280.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$4900.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$390.00} XXXXXXXXXXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX  Date Open : XX/XX/XXXX Late Payment XXXX  Account Number : 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 2025-11-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Student Loan Solutions, LLC
State: CA

Complaint narrative:
I request that the CFPB investigate the practices of Student Loan Solutions , LLC, which purchased a private student loan from XXXX XXXX XXXX, XXXX. in XXXX and later sued the borrower in XXXX despite evidence the debt was timebarred under California law as found in XXXX v. Student Loan Solutions , LLC, XXXX XXXXXXXX XXXX XXXX ( XXXX Dist ). Their attempt to collect such old debt XXXX violate the Fair Debt Collection Practices Act ( FDCPA ) and XXXX debtbuyer laws, and I ask the CFPB to review SLSs debtcollection practices, determine whether they engaged in unfair, deceptive, or abusive acts or practices, and take appropriate action. Several other states have taken action against XXXX. Only cases they have won is on a default judgment where consumer can not afford to hire an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This complaint concerns inaccurate and immaterial credit reporting that violates the Fair Credit Reporting Act ( FCRA ) and Regulation V. Both XXXX XXXX XXXX and XXXX XXXX are being reported inconsistently and misleadingly across the national consumer reporting agencies. 

XXXX appears on all three reports showing a charged-off or past-due balance, despite the account being closed and non-collectible. XXXX XXXX , however, appears only on TransUnion and Experian it has already been excluded from Equifax, demonstrating that at least one bureau has properly recognized it as immaterial under 607 ( b ) and 12 CFR 1022.42. 

The continued publication of small, charged-off, non-collectible debts as past due misrepresents my creditworthiness and fails the accuracy, completeness, and relevance standards mandated by the FCRA. These items no longer serve any permissible purpose under 604 and are materially misleading to potential lenders. 

I am requesting CFPB intervention to require the deletion of these tradelines across all bureaus for full compliance with federal reporting law and to ensure consistent and non-deceptive credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
I am filing this complaint against Block, Inc. ( Cash App ) regarding a {$500.00} transaction error that occurred on XX/XX/XXXX. I mistakenly sent {$500.00} to the wrong recipient on Cash App. The funds were intended for my sick mothers care. 

Immediately upon realizing the error, I filed a dispute through Cash App, submitted a formal claim, and requested that the recipient return the funds. The recipient has not accepted or withdrawn the payment after several weeks. Despite this, Cash App denied my dispute and refused to reverse or refund the transaction. 



Background and Actions Taken Transaction Amount : {$500.00} Date of Transfer : XX/XX/XXXX Transaction ID : [ Insert if known ] Intended Recipient : XXXX XXXXXXXX Actual Recipient : XXXX XXXXXXXX Nature of Error : Payment sent to unintended party due to XXXX entry mistake. 
Action Taken : Filed dispute via Cash App within minutes ; submitted follow-up requests ; contacted recipient ; no response or acceptance received. 
Outcome : Cash App denied dispute, citing user error. 



Legal and Equitable Basis for Complaint I understand that Cash Apps policy distinguishes unauthorized from erroneous transactions. However, this situation presents equitable and consumer-protection concerns because : 1. Funds Remain Unaccepted : The payment has not been accepted, meaning Cash App continues to retain control of the funds within its system. A reversal should therefore be feasible under their internal capabilities.

2. Unjust Enrichment and Mistaken Transfer : Under the doctrine of unjust enrichment and mistake of fact, no person or entity should retain funds transferred in error without entitlement. Cash Apps refusal to intervene facilitates the wrongful retention of consumer funds.

3. Failure of Reasonable Assistance : As a regulated financial service, Cash App is obligated to maintain fair, transparent, and reasonable dispute resolution procedures under 12 U.S.C. 5531 ( a ) ( prohibiting unfair, deceptive, or abusive acts or practices ). Denying a remedy when the platform still controls the unclaimed funds is unreasonable and unfair to consumers.

4. Good-Faith Effort and Financial Hardship : I acted promptly and in good faith, documented every step, and provided all requested information. This error has caused significant financial hardship, as the money was meant for essential medical care.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ALEXANDER-ROSE ASSOC, INC.
State: TX

Complaint narrative:
In XX/XX/year>, I paid the full amount of {$530.00} on XX/XX/year> for my business suite rental with XXXX XXXX XXXX Alexander Rose Inc. This was my last month renting the suite , and I expected my account to be closed in good standing. I have a receipt showing this payment. Despite this, my XXXX  credit report shows a balance owed for XXXX. 

After noticing the false balance, I requested clarification from XXXX XXXX. They sent me a second receipt showing a different, inaccurate balance, which is not correct and does not reflect what I actually paid. 

I submitted both receipts and documentation during a dispute with XXXX, requesting that they verify the account and correct the false balance. XXXX  forwarded my dispute to the furnisher, who responded with information that is inaccurate and does not verify the debt. XXXX  accepted the furnishers response without correcting my credit report. 

The reported balance is false and damaging to my credit. I am requesting that the CFPB require XXXX  and XXXX XXXX XXXX Alexander Rose Inc. to provide documented proof of the debt or remove the inaccurate balance from my credit report.

Company response to consumer: Closed with explanation