vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 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: PA

Complaint narrative:
On XX/XX/XXXX, XXXX, XXXX  was supposed to cash app me {$100.00} he made a mistake and cash app me {$500.00}, I return to him {$400.00} and sent them a text explaining that I will be sending the XXXX back but keeping the XXXX they were supposed to send me. 
On XX/XX/XXXX {$500.00} was missing from my cash app account so I reached out to Cash App and they had explained to me that someone had disputed the {$500.00} cash app transaction from XXXX the XXXX transaction, and their bank went into t my cash app account. I intern explained to them that I did not owe anyone {$500.00} and I sent them all the proof that I sent. Back the {$400.00}, intern cash app tried to get the XXXX back from the individual, but that person had closed out their cash app account at that point Cash App informed me there is nothing that I can do because they do not give out any information concerning third parties. My card was locked so I asked Cash App how could someone just go into my account with my card being locked, I was not notified of anything. I didnt even receive a transaction Receipt from Cash app, my cash app card was locked which should have protected me from anything like this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CIG FINANCIAL LLC
State: SC

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA, which it strictly prohibits. They furnished this account that I never agreed to, and I never signed any contract or authorization. A legal contract requires XXXX parties and I was not XXXX of them. They also failed to follow the proper XXXX validation procedure. 

What makes this even worse is how much stress and hardship this has caused me. Ive been trying to rebuild my credit, maintain stability, and provide for myself, and having an inaccurate account like this hanging over me has taken a real emotional and financial toll. Ive lost sleep, missed opportunities, and constantly felt the pressure of something I dont even owe. No consumer should be put through this.

Under the FDCPA, Im entitled to compensation for these violations, and its clear my rights were ignored and my privileges abused. I am demanding that this account be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section XXXX, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX  ( Original Creditor : XXXX ) # XXXX XX/XX/XXXX -- {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$3000.00} XXXX  # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX  XXXX XXXX # XXXX XX/XX/XXXX -- {$12000.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00}

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Property Receivables, Corp
State: FL

Complaint narrative:
The company is attempting to collect an inaccurate and unverified rental debt based on charges that were incurred while my apartment was legally uninhabitable. After a hurricane, the unit suffered severe water intrusion, extensive mold growth on the ceiling, leaks, damaged drywall, exposed framing, and pest issues. Repairs were delayed for weeks and left incomplete, and I could not safely or normally live in the unit during this time. 

I repeatedly contacted the landlord to fix these issues, but the problems continued for months. I emailed, called the office, and even attempted to speak in person to resolve the situation. My communications were ignored or delayed, and the conditions were never fully restored. Photos and email records have been provided as evidence. 

Despite the unit being uninhabitable under Florida Statute 83.51, the landlord charged full rent without reduction and later sent an inflated balance to a debt collector. Under Florida Statute 83.56, charges that accrue during periods where the unit is unsafe or uninhabitable are not legally valid or enforceable. 

I formally requested documentation including : a full itemized ledger, move-out statement, repair invoices, proof of charges, original lease documents, and full debt validation. None of this required documentation was provided. The company did not show how the amount was calculated, did not provide any itemization of charges, did not provide repair records, and did not provide a legally compliant debt validation under FDCPA 809 ( b ). 

The collector is now reporting a balance that is materially inaccurate, unsupported, and unverifiable. Reporting or attempting to collect an unvalidated debt violates FDCPA 809 ( b ) and constitutes an incomplete or insufficient investigation under FCRA 611 ( a ). This debt can not be legally verified, and the amount being collected is wrong. 

The continued attempt to collect an incorrect amount, without documentation, and based on periods where the landlord failed to maintain habitability is causing material consumer harm, including negative credit reporting, financial stress, and difficulty obtaining housing and credit. 

I am requesting CFPB assistance to require the company to : ( 1 ) provide full validation with original documentation as required by law, or ( 2 ) remove the collection entirely if they can not validate the debt. Evidence of habitability issues, communications, and attempts to resolve the matter have been attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Cease and Desist Request - Account No. XXXX To Whom It May Concern : I am writing to formally notify Jefferson Capital Systems , LLC to cease all communication with me regarding the above-referenced account. 
This letter serves as my official request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). From the date of this notice, you are required to stop all forms of contact with me, including telephone calls, letters, emails, text messages, or any other communication methods. 
You may only contact me if the FDCPA explicitly allows it, such as to confirm that you are terminating further collection efforts or to notify me of any specific legal action you intend to take. 
Please update your records immediately and govern yourselves accordingly. 
Sincerely, /s/ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 USC 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts I've referenced are not 100 % accurate. Until you provide competent evidence that validates the debt-including a signed agreement, full account history, and verification of your authority to collect-you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I was not making much and a large portion of my payroll check was going to healthcare coverage, retirement and taxes. It was very hard to pay my bills and take care of my family. So, I began reaching out to my creditors. I reached out to the Department of Education back in 2022 to discuss my payment plan and was told that because I work for the US Postal Service, I can apply for 100 % XXXX XXXX XXXX XXXX XXXX and need to fill out an application. I filled out the application and submitted it directly to the Department of Education. I was also told that I qualify for the XXXX plan also. I gave the representative all my information and they approved to lower my payments while I was waiting for the outcome of my 100 % XXXX XXXX XXXX XXXX application status. After some time, I received an email directly from the Department of Education, XXXX XXXX stating my application was approved. I verified the source of the email and it was one of the email addresses certified and approved by the Department of Education. I also received notifications via text messages from all 3 credit bureaus stating there has been some activity to my Department of Education Loan. I checked my credit reports and my student loan was 100 % removed from my every credit report agency. I was very thankful the representative was knowledgeable and helped me get back on my feet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: GA

Complaint narrative:
I want to serve Experian and let them know the cease and desist on reporting inaccurate accounts addresses inquiries identity theft components on my credit report that's my life XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX Email : XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Incorrect Information Under the Fair Credit Reporting Act ( FCRA ) Identity Theft Claim To Whom It May Concern, I am writing to formally dispute inaccurate information appearing on my credit report maintained by Experian. I have been a victim of identity theft, and as a result, fraudulent accounts and incorrect information that does not belong to me have been reported to your bureau. This false and inaccurate reporting has caused significant harm to my life, credit, financial opportunities, and well-being.Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report. I am exercising this right and demanding that you conduct a reasonable investigation and remove all false information within 30 days.Inaccurate Information in Question : Fraudulent accounts opened in my name without my authorizationAccounts reported as delinquent that I did not incurLate payments attributed to me that are falseAccounts I did not open or useI have attached the following documentation in support of this dispute : Copy of my Identity Theft ReportCopy of my credit report with inaccurate items highlighted/circledSupporting documents proving fraud and my lack of responsibility for these accountsLegal Obligation : You are required by federal law to : Conduct a thorough and reasonable investigationContact the furnisher ( s ) of this information and request verificationIf the information can not be verified or is found to be inaccurate, delete or correct it immediatelyProvide me with a corrected credit report at no chargeNotify me of the results within 30 daysI request that all inaccurate information be removed from my credit file immediately and that I receive a corrected copy of my credit report.Thank you for your prompt attention to this serious matter. I expect your response within 30 days. 


Sincerely, XXXX XXXX XXXX XXXX ( Your Signature ) ________________ Attachments : Copy of credit report with disputed items highlightedIdentity Theft ReportSupporting documentation Remove all inaccurate information accounts numbers emails inquiries for my credit report because I was a victim of identity theft and is really crashing and messing up my life mentally physically spiritually financially in the lot of it. 
AND I would like compensation in the amount of {$150000.00} for my pain and suffering. Also a credit repair class to help me get my credit back together

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Over the past year Wells Fargo has charged me {$1300.00} in overdraft fees. My bank account has never even had {$1300.00} in the account at one time. I have applied to Wells Fargo for a credit card, because this would be MUCH cheaper than their consistent {$35.00} fees but I was denied. 

They often process debts in a way that creates 3 or 4 overdraft fees instead of 1. I can not afford their excessive overdraft fees. I only overdraft my account when it is an emergency and I would be okay paying 1 single {$35.00} fee but they always charge at least 2, most times 3

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 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am a XXXX  and on XX/XX/XXXX a XXXX  stole my wallet and proceeded to use my account multiple times to the sum of XXXX dollars. I gave Chime the police report, emails, screen shots and it's clearly fraud and Chime is refusing to give me my money. I have done this twice! What bank won't refund you with a POLICE REPORT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I placed several orders for collectible items ( XXXX XXXX ) via an online merchant at XXXX for an amount totaling {$2900.00} : XXXX XXXX XXXX XXXX : XX/XX/XXXX ( Order # XXXX ) - XXXX XXXX XXXX - {$83.00} XX/XX/XXXX ( Order # XXXX ) - XXXX Subscription - {$25.00} XX/XX/XXXX ( Order # XXXX ) - XXXX XXXX XXXX XXXX - {$710.00} XX/XX/XXXX ( Order # XXXX ) - XXXX XXXX XXXX XXXX - {$160.00} XX/XX/XXXX ( Order # XXXX ) - XXXX XXXX XXXX XXXX - {$170.00} XX/XX/XXXX ( Order # XXXX ) - XXXX XXXX XXXX XXXX - {$300.00} XX/XX/XXXX ( Order # XXXX ) - XXXX XXXX XXXX XXXX XXXX - {$750.00} XX/XX/XXXX ( Order # XXXX ) - XXXX XXXX XXXX - {$300.00} XX/XX/XXXX ( Order # XXXX ) - XXXX XXXX XXXX - {$240.00} XX/XX/XXXX ( Order # XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX - {$200.00} XX/XX/XXXX ( Order # XXXX ) - XXXX Subscription - {$25.00} Total : {$2900.00} These items were never fulfilled and cancelled on XX/XX/year>, however the merchant never initiated refunds. 

The merchant has never responded to email/social media correspondence and has since shut down the website XXXX making any communication impossible. 

My credit card, Capital One, said they are not able to assist with a chargeback because it is outside the time frame.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I was scammed through Chimes peer-to-peer Pay Anyone system. I sent two payments ( {$170.00} and {$50.00} ) for a hair service to a Chime user. The individual instructed me to meet them at a location that became unsafe, and no service was provided. Once I realized I was in danger, I had to leave the area and walk to a safer location to wait for a ride home. After receiving my payments, the individual immediately blocked me and refused to return the funds. 

I contacted Chime and explained that I was a victim of a scam. I provided all details : the users Chime handles, phone number, email used for XXXX XXXX, the messages exchanged, the unsafe address they sent me to, and the fact that they blocked me. Chime acknowledged the situation but refused to help because the transaction was peer-to-peer. 

Chime advertises buyer protection and secure transfers, yet they declined to investigate or assist even though this transaction involved clear fraud, a service not rendered, and a safety concern. I am requesting CFPB assistance because Chime has refused to open a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In XX/XX/year>, I submitted a formal dispute to Equifax and Experian. 

XXXX Bank acknowledged the account was settled ( paid in full ) and closed. 

Equifax updated the balance to {$0.00} in XX/XX/year>, but did not update the payment status or charged-off wording to reflect the correct paid status. 

Equifax also displays an outdated charge-off narrative instead of the correct paid charge-off description. 

As of late XX/XX/year>, Experian still shows the account with a {$610.00} charged-off balance, incorrect utilization over 200 %, and outdated reporting dates.

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 2025-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
worl omi i have settle payment with them to told me they will removed the debt on my credit when i complese the payment i did ao the never removed it aine XX/XX/year> for amour {$24000.00}

Company response to consumer: Closed with explanation