vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 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: MI

Complaint narrative:
Funds were taken out of my account and when I disputed the Charges I was unable to retrieve the money back which the current lawsuit against them is for the same reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
I am not liable for this debt with this charter communication i do not have a contract with source receivables management they did not provide me with original contract as requested. I have requested information on the alleged debt specifically a copy of the original purchase agreement. Agreement must be with original creditor and signed by all parties involved.they have failed to contact me with these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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:
This is a new, non-duplicate complaint supported by new evidence generated on XX/XX/XXXX and XXXX, XXXX. It should not be confused with any pending or closed cases, including CFPB XXXX # XXXX. This new filing arises directly from Equifaxs verified update on XX/XX/year>, which constitutes a fresh and separate event of inaccurate reporting and non-compliance with the Fair Credit Reporting Act ( FCRA ). Equifax and XXXX XXXX XXXX have republished false and unverifiable information following prior CFPB investigations and despite identity-theft documentation already on file. The Equifax report now indicates that XXXX verified the account as belonging to me and modified data fields without providing any contract, assignment, or proof from XXXX XXXX XXXX  ( the alleged original creditor ). This new act of verification is a re-reporting of data that was already disputed and previously found inaccurate, and therefore triggers new violations under federal law. 

Equifax and XXXX have violated FCRA 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) by failing to conduct a reasonable reinvestigation and simply accepting a furnishers unverifiable response. They also violated 607 ( b ) ( 1681e ( b ) ) by failing to ensure maximum possible accuracy when balances differ ( {$1100.00} vs {$1100.00} ) and when the Original Creditor field remains contradictory or missing across bureaus. Further violations include FCRA 611 ( a ) ( 5 ) ( A ) for failing to delete unverifiable information, 611 ( a ) ( 5 ) ( B ) for reinserting or altering disputed data without certification or five-day consumer notice, 611 ( a ) ( 6 ) ( B ) ( iii ) for failing to disclose the method and source of verification, and 605B ( c ) ( 2 ) ( A ) for failing to block and delete identity-theft information within XXXX business days after receiving my valid FTC Identity Theft Report # XXXX. XXXX also remains in violation of FDCPA 809 ( a ) for failing to provide proof of the debt or the original creditors documentation. Metro 2 reporting standards are being ignored, as the Original Creditor Name and Balance History fields remain contradictory and non-standard across the XXXX nationwide credit bureaus. 

This is new evidence, a new event, and a new publication of inaccurate data by Equifax and XXXX, which have willfully continued to furnish false information after notice of identity theft and CFPB involvement. The XX/XX/XXXX update created a new instance of harm by republishing the tradeline as verified, lowering my creditworthiness and increasing my borrowing costs. It is therefore a distinct and separate violation that can not be considered a duplicate filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Flexible Finance, Inc.
State: FL

Complaint narrative:
Feedback on Mishandled Emergency Payment Request RE : Ticket # XXXX I recently submitted a one-time emergency request that required immediate attention. My request simply to swap or reschedule Payment 1 and 2 was not complicated and falls well within the range of options your own support documentation says Flex offers. 

This was my original request to Flex : " My wife and I have a serious family emergency that has left our bank account depleted of funds until my next payday on XX/XX/XXXX. I will not have the funds available to cover the first payment of {$1300.00}. I am making a one-time emergency request for urgent help on this matter. Could you please make a one-time exception and switch my XXXX payments around so that the first payment is the {$500.00} and the second payment is the {$1300.00}? I know this is a big request but, with this sudden, unexpected emergency, I have run out of options for a solution over the next XXXX weeks until I get paid again. We love working with Flex as your service is immensely helpful to us. We want to keep our relationship with Flex going and avoid damaging it. This is why we are reaching out to you ahead of time before this turns into a complete disaster. '' At a time when I needed Flex to demonstrate the very flexibility its named for, your response was rigid, dismissive, and entirely unhelpful. The lack of initiative to find a workable solution made it clear that : XXXX. Customer needs are not genuinely valued, and XXXX. Flex is operating more like an inflexible, outdated institution than a modern fintech company. 

This experience was a complete failure of responsiveness and accountability. If Flex truly wants to be seen as a XXXX service, it needs to start acting like XXXX with customer-oriented policies that adapt to real-world situations, not automated replies and blanket refusals. Unfortunately, my urgent request was treated as anything but flexible, and that speaks volumes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
A credit card opened in my name without my knowledge, J P Morgan Chase Bank Card. 
An amount spent of XXXX Date XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: FL

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from 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 2025-10-27 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: OH

Complaint narrative:
I have been using Cash app for sometime now. I've started using it more of as of late, because I work with horses and and given gifts of money to purchase things for the horses and things around the farm. I was doing a few transactions where I had to shuffle money around back and forth between clients and Friends that I thought I was going to use but didn't end up using. I believe this is what caused my account to be shut down. I appealed he decision to cash app made only to be told instantly that they would not approve the appeal and that my account would continue to be closed. I asked for them to explain what transactions go against companies policy so that I can be educated on not ever having to deal with this again. This is put a major burden on myself and the people around me who have been providing me money for my hobby with horses. This all started going around XX/XX/year>. I don't understand why this occurred because I've had Cash app for so long doing things just like I've done here recently with no issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: KY

Complaint narrative:
PNC Bank has issued XXXX final responses to prior CFPB complaints regarding repeated unauthorized transactions and XXXX Account XXXX mishandling. Despite these claims of closure, the most recent dispute ( Whatnot charges ) remains under active investigation, preventing me from closing my account. I was told the process could take up to 90 days, and that the provisional credit XXXX be reversed at any time exposing me to overdraft fees and negative balances. PNCs response misrepresents the status of my case and leaves me financially and digitally vulnerable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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:
XXXX is reporting a charged-off account ( Account XXXX : XXXX * * * ), but I have not been provided with any certified documentation verifying the validity, ownership, or accurate timeline of the alleged delinquency. The company reports this as a charge-off or loss, yet I have received no proof of how this was calculated or whether proper notice and validation were provided. 

The information reported is inconsistent across the credit bureaus, including differing remarks regarding the basis of closure such as Charged off as bad debt, Account has been closed due to inactivity, and Accounts closed by credit grantor. This raises concerns about the accuracy and verifiability of the information being furnished. 

I previously made payments in good faith, and no documentation has been provided to support the claim that the account was more than 120 days past due or properly charged off in accordance with federal requirements. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ) ( 3 ) ), furnishers must report accurate and fully verifiable information. Additionally, if the account was assigned or transferred, validation is required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Since no verifiable documentation has been provided, I am disputing the accuracy and legitimacy of this derogatory charge-off reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This collection agency called LVNV Funding LLC Keeps putting fraudulent information on my credit reports this started about two years ago where they keep messing with my credit reports. matter of fact I looked at my credit report just this past week they added another account thats fraudulent, and they even went as far as to update the accounts to make it seem like they just added all three accounts XXXXXXXX XXXX XXXX when they added the other XXXX account over XXXX years ago. XXXX not going to pay accounts that arent mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Cease and Desist Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/year> To : Spring Oaks Capital LL XXXX XXXX XXXX XXXX XXXX, Va XXXX Subject : Cease and Desist Notice Dear Spring Oaks capital LL I am writing to inform you that I am formally requesting you to cease and desist all contact and communication with me regarding any alleged debt or matter unless it is in strict compliance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

You are hereby notified that any further attempts to contact me, including by phone, mail, email, text message, or any other means, other than to provide the verification of the alleged debt or to inform me of specific legal action, will be considered a violation of my rights under federal law.

Be advised that failure to comply with this notice may result in me pursuing all available legal remedies, including filing complaints with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and the Office of the Attorney General, as well as civil action against your company or its representatives. 

Please confirm in writing that you have received this notice and that you will honor my request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: NY

Complaint narrative:
There are XXXX XXXX XXXX XXXX XXXX previously filled out a FTC sent XXXX proper documents in to get it removed and now its reappearing on my report without proper notification by law and nothing XXXX supersede the FTC and XXXX police report. This needs to be removed and permanently blocked immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: NY

Complaint narrative:
There are XXXX XXXX XXXX XXXX XXXX previously filled out a FTC sent XXXX proper documents in to get it removed and now its reappearing on my report without proper notification by law and nothing XXXX supersede the FTC and XXXX police report. This needs to be removed and permanently blocked immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Maximus Federal Services, Inc.
State: OK

Complaint narrative:
I was attending XXXX XXXX and XXXX in XXXX  XXXX. I owe a little over XXXX XXXX dollars per school. I done a forbearance through XXXX XXXX and they put the loan over XXXX XXXX dollars. This particular company was sued for this with a class action lawsuit. It was placed on my credit report while in forbearance and I filed a XXXX  XXXX in XXXX and it was discharged with U.S. Department of Education on the list of entities that were discharged. XXXX XXXX sold the contracts. In XXXX my taxes were taken. I contacted U S.D.of Education and they see the discharge but never gave me my return back. I didn't file XXXX for that reason. XXXX they kept my taxes again. I contacted them and was mailed a form from the default department to get my return sent back and still nothing. I contacted both schools in question and they both states I owe zero because of the bankruptcy discharge. Today as I called offset there's another XXXX XXXX plus dollars to be held. This makes no sense. I'm needing both returns sent back to me and the offset removed or I'll put this back in the XXXX XXXX XXXX court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime 's customer service didn't meet my expectations. 
Chime 's features and/or functionality didn't meet my expectations. 
Chime 's policies didn't meet my expectations. Chime refuses to reimburse me my money back. Which was {$300.00} that XXXX XXXX XXXX took from me. When I'm a single mother of XXXX kids, and I take care of my XXXX mother. I need my money back, this bank let scammers get away with chime customer 's money, refuses to dispute this transaction. This bank needs to be shut down it has poor security and poor customer service. Why have a bank account through these guys, when they let scammers fraud and get away with customers who have kids, families to take care of. Everyone that works for this bank including all supervisors and managers needs to be fired and to shut this XXXX  bank down and it needs to be sued for millions... I don't recommend nobody get an account through this bank. It's a bunch of XXXX working for this bank that doesn't put their customers first and refuse to make their customers their top priority of this XXXX  low down dirty bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I was attempting to open an Apple Card by Goldman Sachs. Initially the account wasn't active, I received a call from their support department saying they were doing some back end checks on their end, and that it should be active in a couple of days. On XX/XX/year> I received an email that the account was closed, when I called support they said it was closed because they didn't think I was the XXXX opening the account. This doesn't make any sense since they reached out to me, verified I was asking to open an account, and told me that they were working on something on their end and it should be active in a couple of days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed inaccurate personal information and mixed-file risk. I am XXXX XXXX XXXX My father shares my first and last name. My reports show old addresses/employers and a wrong fraud-alert phone number. These errors increase the chance of mixed files and wrong matching. 

I mailed a written dispute on XX/XX/year> by Certified Mail. USPS shows Delivered on [ enter date ]. I asked the bureau to : ( 1 ) delete any unverifiable items ; ( XXXX ) remove old addresses/employers ; ( XXXX ) correct the fraud-alert phone to XXXX ; and ( XXXX ) provide verification details. 

Requested resolution : Delete any unverifiable entries, remove all old personal data, set the fraud-alert phone to XXXX, and send me an updated report and a summary of the reinvestigation.

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