vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
I was notified that I did not have home-owners insurance, requested to send deck page and warned if I did not do so will be assigned home-owners insurance at my expense. I have or did have required insurance. Sent policy using their form and method three times. Received notice fourth time with threat to have me pay for insurance already have and informed mortgage company previously three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I consolidated my student loans with XXXX and my loan my transferred to Aidvantage without my permission to transferred my personal information to another company. I was also not provided with any other options to transfer my information to another agency other than Aidvantage. Transferring personal data without permission breaks various laws, including the federal Privacy Act of 1974. I now understand that companies that make privacy promises ( in their privacy policies ) and then share data without consent, treating it as an unfair or deceptive practice. 

I am writing to formally request the dismissal of all student loan obligations currently serviced by Aidvantage transferred account from XXXX under my name, due to violations of my privacy rights and improper handling of my personal information. 

Navients actions constitute a failure to adequately protect my nonpublic personal information, and may represent violations of the Privacy Act of 1974, the Fair Credit Reporting Act ( FCRA ), and other applicable federal and state privacy and consumer protection laws. Specifically, my personal and financial data was disclosed, accessed, or handled without proper authorization, consent, or lawful purpose. 

Privacy Act of 1974 ( U.S. ) : Governs federal agencies, generally prohibiting disclosure of personal records without written consent, with few exceptions. 
Gramm-Leach-Bliley Act ( GLBA ) : Protects financial information, requiring institutions to explain data sharing and safeguard sensitive data. 

These laws were broken during the exchange of the student loan information from XXXX to Aidvantage and I am requesting to dismiss my student loans due to my rights being violated. As a result of these violations, I have experienced harm, including but not limited to loss of privacy, distress, and potential financial risk. These actions undermine the validity and enforceability of the alleged debt and constitute grounds for full financial relief of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have a few accounts with 5/3 bank, business and personal. I also have automatic withdrawals coming for a few of my accounts. However, I have a merchant ( XXXX ) that is withdrawing 's funds unauthorized in my saving account. I only authorized XXXX each month to be withdrawn from my saving account. I disputed the transaction of XXXX earlier this month with my bank and also contacted the merchant ( XXXX ) about unauthorized charge. I also spoke with my bank about not allowing this amount to be withdrawn again. The bank disputed the charge and it was reversed a week later. Now after two weeks of charge being remove from my account the merchant withdrew same amount XXXX and the bank let it go through which caused my account to be negative due to all the funds was not in account at that time. I only authorized XXXX as bank initially seen from my account and that's why it was removed earlier this month. I will also contact the IDOI to complain about that merchant ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI LOCAL CORP
State: MO

Complaint narrative:
I have never had an issue with SoFi until I reported fraud I noticed on the account on XX/XX/year>. Today I was woken up with an email about reaching out to them about the fraud and that they locked my account. After contacting them today they said my account will be closed due to the fraud and wont give me any reason as to the specifics.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint against XXXX. XXXX XXXX for illegally reporting a collection account that does not belong to me and was previously removed from my credit report after a successful dispute. 

The newly reported account by XXXX. XXXX shows account number XXXX, with an original creditor listed as XXXX XXXX XXXX and a balance of {$900.00}. This account does not belong to me, and the personal identifying information tied to it does not match my own. A different collection agency previously reported the same alleged debt under account number XXXX. I disputed that prior reporting, and after the credit bureaus completed their investigation, the account was removed because it could not be verified and the Social Security number connected to that debt was not mine. 

Despite the prior removal, XXXX. XXXX has now reinserted the same invalid debt under a new account number. This violates the Fair Credit Reporting Act ( FCRA ), including : FCRA 602 & 607 ( b ) duty to report only accurate, verifiable information. 
FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) a previously deleted account can not be reinserted unless the furnisher certifies the accuracy of the information. I never received any notice of reinsertion within 5 business days as required by law.

FCRA 605B obligations involving accounts resulting from identity issues or incorrect personal identifiers.

FDCPA 807 ( 8 ) prohibition on reporting false or misleading credit information. 

The prior deletion already established that this debt can not be verified and is not connected to my identity. The reinsertion of the same disputed account by another agency is a serious compliance failure and has caused harm to my credit profile. 

I am requesting that the CFPB require XXXX. XXXX and the credit bureaus to : Remove this account immediately. 

Provide documentation explaining how this account was verified, especially given that a previous furnisher was unable to verify it. 

Block any future attempts to reinsert this inaccurate account. 

I am also requesting that XXXX. XXXX provide validation showing how they determined this account is linked to me, including which Social Security number or personal identifiers they relied upon. I believe this is a case of misidentification and improper data handling. 

Thank you for reviewing 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 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: SC

Complaint narrative:
Dear CFPB, I am writing to formally assert my claim against the receivership estate of XXXX XXXX XXXX XXXX ( XXXX ) and to provide a clear explanation of the underlying events. My claim is for {$8400.00} USD. 

Summary of Facts : XXXX XXXX operated as a " custodial wallet '' or financial intermediary for cryptocurrency exchanges. The standard process was for a customer ( like myself ) to wire funds to XXXX, which XXXX would hold. Once the funds cleared in my XXXX account, I could then initiate a transfer from XXXX into my trading account at XXXX. 

On XX/XX/year>, I followed this exact process. I wired {$8400.00} USD from my personal bank account to XXXX XXXX, ( Account XXXX. : XXXX ) with the sole purpose of subsequently funding my XXXX account via XXXX platform. 

Despite XXXX 's initial approval of this transfer within their system, the funds were never made available in my XXXX account for me to proceed with the transfer to XXXX. Consequently, the funds were never credited to my intended XXXX account. 

After discovering the funds were missing, I initiated a wire transfer recall with my bank in an attempt to retrieve the payment. To date, my bank has been unable to recover the funds, citing that the transfer was completed and accepted by the recipient ( XXXX ). 

Following repeated inquiries to XXXX regarding the missing funds, the company unilaterally closed my account, reflecting a final balance of {$0.00}, without ever crediting or returning my {$8400.00}. 

I have since learned that XXXX is under a Suspension Order from the Colorado State Banking Board. I am aware of the receivership website ( XXXX XXXX XXXX  ) and have attempted to contact the estate using the provided email address. However, I have received no reply to my inquiries, and there has been no status update or resolution regarding my missing funds. 

In summary, I transferred funds to XXXX as an intermediary for a specific purpose. XXXX accepted the funds but failed to make them available for their intended use, effectively retaining them. My attempt to resolve this through my bank was unsuccessful. Despite the existence of a formal receivership, my attempts to seek recourse through the designated channel have been met with silence, solidifying my direct and unrecoverable financial loss of {$8400.00} USD. 

Please confirm receipt of this correspondence and advise me of the next steps. 

Thank you for your attention to this serious matter. 

Sincerely,

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 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: TX

Complaint narrative:
Pursuant to the rules under Regulation Z, when a transaction is processed as a credit on a customer 's account, the bank has a reponsiblity to " conduct a reasonable investigation '' and determine if the billing error should be corrected or not. The following are credit transactions that Discover Bank processed with my card : XX/XX/year> Time XXXX XXXX  EST Type Deposit Amount {$29000.00} Transaction Number : XXXX XX/XX/year> Time XXXX XXXX  EST Type Deposit Amount {$29000.00} Transaction Number : XXXX XX/XX/year> Time XXXX XXXX  EST Type Deposit Amount {$29000.00} Transaction Number : XXXX XX/XX/year> Time XXXX XXXX  EST Type Deposit Amount {$29000.00} Transaction Number : XXXX XX/XX/year> Time XXXX XXXX  EST Type Deposit Amount {$29000.00} Transaction Number : XXXX XX/XX/year> Time XXXX XXXX  EST Type Deposit Amount {$29000.00} Transaction Number : XXXX XX/XX/year> Time XXXX XXXX  EST Type Deposit Amount {$29000.00} Transaction Number : XXXX XX/XX/year> Time XXXX XXXX  EST Type Deposit Amount {$12000.00} Transaction Number : XXXX XX/XX/year> Time XXXX XXXX  EST Type Deposit Amount {$2500.00} Transaction Number : XXXX I had informed Discover Bank that I did not receive the product and service for these transactions. I was locked out of my merchant 's account after these transactions were made, so I had no access to the services any more where the money was sent to. Discover Bank reached out to the merchant for these disputes, and received no response from the merchant. The merchant did not contest my product service not received dispute. Instead of crediting my account, Discover Bank decided to close the dispute and told me to go work with the merchant directly. 
Discover Bank failed to do all the of the following under regulation Z under normal circumstances when a billing is present : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.

Even if Discover Bank found that a billing error is not present, they are supposed to do the following which they did not do : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; Telling the customer that the merchant didn't respond to the dispute and then not providing any explanation why Discover Bank didn't find there is a billing error, is a failure on Discover Bank 's part to follow the rules of Regulation Z for these disputes. In the attachments, I show the email I received from the merchant after these deposits were made, which led to my funds being stuck on their platform and I was never provided the services for the funds paid to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I have 2 disputes that I have continuously been fighting since XXXX XXXX both are for the same amount, {$650.00}, for a total of {$1300.00}. Goldman Sachs sent me the " proof '' of the purchase. its from XXXX XXXX. The individual names are on the tickets, XXXX XXXX, and XXXX XXXX. I googled the individual names and found they reside in Indiana. I found them online on XXXX and had a very long discussion with them about this fraud. They admitted they took the trip, however they said they paid Cash to a 3rd party who purchased the tickets for them within the XXXX airline organization. They gave only a nickname and a phone number for that individual. I filed a police report in XXXX, XXXX, with a detective named XXXX XXXX. He reached out to the individuals who admitted to taking the trip from Hawaii to Indiana, but said they were unaware who paid for the airfare, and also gave that name and number to the officer. THe officer tried reaching out to the person named " XXXX  '' and nobody answered. He did a search on the phone number and nothing came up. The officer felt there really was nothing else he could do in this case unfortunately. I also reached out to XXXX airlines about 4 times and they have not responded to me. Goldman Sachs is refusing to reverse these charges, even though I did not purchase them. I have attached everything to my case including the police report. I do not know what else to do!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
Asking for this to be removed off my credit history due to paying more than half the balance and also the wrong dates being reported it was also written off so there should be no more information being reported to my credit history {$860.00}. This was a charged off account and needs to be removed. There is XXXX  different last payment dates being reported and it's not accurate. The account balance is also I correct from what is being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Every time this bank sees that I have a refund coming in they will not process it right away they will instead delay it and then say that my account is randomly negative, I spend my money as I go for each transaction so that the money in my account will never be possible to overdraft because I put the money in it for that day with the exact amount. This is the XXXX  time they have fraudulently put a random number in my checking account Im in tears right now this is the holiday season and they keep on doing this to me. I guess they thought I would not notice this. If a person puts the exact funds in there account it will never ever be in the negative. Im tired of this nonsense my account has been tampered with. And this is why there being sued now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
b'Hand written missing check. Provided or someone give them. To try to attempt e check. Fraud. \nPerson name is XXXX  XXXX  \nFraud id. Fake id. , hacker , identity theft. \nSocial security theft. , id hack and send my phone fake id. \nHe use Cash App money transfer illegally attempt e check handwritten check deposit via XXXX account abd XXXX  freeze my account. \nThis person is not someone. Is real. I see them driving. Car number. I have.XXXX XXXX attempt. Yesterday. And XXXX  deny. This person need my. House money. He trying every day  now some is behind. In support. Investigation required my matter dont disclose. Local police no trust.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: TekCollect Inc.
State: IN

Complaint narrative:
I am submitting this complaint regarding TekCollects attempt to collect a disputed and invalid debt allegedly originating from XXXXXXXX XXXXXXXX, a company that filed for bankruptcy and ceased operations before completing the services for which I contracted. 

I entered into an agreement with XXXX for XXXX treatment XXXX XXXX XXXX XXXX XXXX. XXXX abandoned my treatment prior to completion due to its bankruptcy and shutdown. I did not receive the full course of services promised, nor was I provided any alternative care, follow-up, or completion of treatment. 

As a result of the unfinished and abandoned XXXX XXXX XXXX XXXX XXXX deteriorated significantly, and I ultimately required removal of my XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. This outcome is irreversible and directly contradicts the stated purpose of the treatment XXXX was engaged to provide. 

The alleged debt XXXX is attempting to collect is further invalid because the purported contract provided by XXXX is materially defective and unenforceable. Specifically : The contract contains no completed numerical terms, including total cost, payment amounts, duration, or defined obligations. 

Essential contractual elements necessary to establish mutual assent are missing. 

The signature attributed to me is not my signature. 

The signature appears to be a generic digital font, which I did not personally create, apply, or authorize. 

I dispute the authenticity and validity of the alleged execution of this agreement. 

Despite these deficiencies, TekCollect has attempted to collect this alleged debt without providing valid proof of : A legally enforceable agreement, Completion of services, Or lawful authority to collect on a debt arising from abandoned medical treatment. 

I have formally disputed this debt. Any continued collection activity without proper validation constitutes an attempt to collect a disputed and potentially unenforceable debt and may violate the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to provisions governing misrepresentation, unfair practices, and failure to adequately verify disputed debts. 

I am requesting CFPB assistance to : Require TekCollect to cease all collection activity related to this alleged debt, Ensure no negative credit reporting occurs based on an invalid or disputed obligation, Compel TekCollect to provide full and lawful debt validation, including proof of contractual enforceability and authority to collect, Investigate TekCollects collection practices related to debts originating from XXXX bankruptcy and abandoned care. 

This statement is true and accurate to the best of my knowledge. I reserve all rights and remedies available under federal and state law.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Upon looking at my credit report it stated a debt collection of {$600.00} with company mentioned Affirm. I personally have never used that for a method of payment and I am not sure why it is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I noticed a transfer of money to plaid of XXXX. I didnt make this transfer. I called In they refund the money and blockec my accoubt asking me alot of questions who has access and i didnt know anything they blocked my accoubt and wouldnt even let me change my pw or tell me why they thing someone was on my account. I delete my old phones from my account and dont see anyone on my account at all.

Company response to consumer: Closed with explanation