vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: AR

Complaint narrative:
On XX/XX/XXXX, I authorized a {$85.00} cash-out from my Cash App account to my bank. The funds were supposed to arrive by XX/XX/XXXX but never did. Another transfer of {$50.00} went through on XX/XX/XXXX, showing my bank connection was working. I contacted Cash App multiple times, opened an investigation, and requested proof of deposit or a refund. Cash App repeatedly responded that because I authorized the transaction, they can not refund the funds, even though my bank confirms they never received the {$85.00}. I am submitting this complaint because the transaction failed or was misdirected, and Cash App has not provided a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: DISCOVER BANK
State: FL

Complaint narrative:
b'I was haphazardly added as an authorized user to an account that I am not financially liable for. With that being said, the business needs to immediately remove all credit reporting listing me as an authorized user on account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/year> my card was used to make fraudulent purchases totaling over {$250.00}. My bank sent me a fraud alert and I immediately turned off my card and removed it from my XXXXXXXX XXXX. My fraud request was denied and they did not reimburse me. They sent ME, the fraud alert and then said that the transactions were indeed authorized. I have evidence that I was not in the location of any of the purchases made except the very first one. I immediately called my bank, Wells Fargo, and they said they would inquire for more info as needed. They never did. I even pulled the majority of my money out and am considering closing my account because this is not the first time my info has been leaked or my money taken fraudulently. In the past they have refunded me the money.

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 2025-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company
State: TX

Complaint narrative:
Date : XX/XX/year> Subject : Complaint Against Frost-Arnett Company for FDCPA and FCRA Violations To Whom It May Concern, I am submitting this complaint against Frost-Arnett Company regarding their collection practices on an alleged debt associated with Account # XXXX. 



On two separate occasions, I sent certified written demands to Frost-Arnett requesting full validation of this alleged debt, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Despite this, Frost-Arnett only responded with an itemized statement they failed to provide : A signed contract or agreement bearing my signature, Legal documentation proving their right to collect this debt, Full details and address of the original creditor, A complete breakdown of the total debt amount including interest and fees.

According to FDCPA 1692g ( b ), collection efforts must cease until proper validation is provided. Their continued pursuit of this debt is a direct violation of this statute.

Additionally, if Frost-Arnett has reported this account to any credit bureaus, it may also constitute a violation of the Fair Credit Reporting Act ( FCRA ), particularly : 1681s-2 ( a ) ( 1 ) ( A ) for furnishing inaccurate or unverifiable information, and 1681s-2 ( a ) ( 3 ) for failing to report this account as disputed. 





Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: CO

Complaint narrative:
On XX/XX/XXXX, I signed up to work with National Debt Relief. My intention in entering into a contract with the company was to have a third party negotiate my credit card payments on my behalf to help me pay off all my credit cards. What I thought was a good idea quickly turned into a seven-month nightmare. 

A representative from National Debt Relief assured me that they would negotiate with my creditors ( XXXX, XXXX, and XXXX XXXX ( XXXX XXXX Credit Card ) ) for lower monthly payments, especially since I had experienced financial hardship in XXXX and XXXX due to unstable employment and moving costs. I was told that I would only need to pay National Debt Relief {$420.00} a month while they handled negotiations with my creditors.

Before working with National Debt Relief, my credit score was in the XXXX, and before moving to Colorado, it had been in the XXXX. Unfortunately, National Debt Relief did absolutely nothing on their end. They did not negotiate with my creditors and advised me to ignore calls from them, claiming they were in the process of negotiating my debt. It does not take seven months to negotiate with creditors.

During this period, National Debt Relief continued to withdraw money from my checking account. Despite reaching out to them multiple times for updates on the negotiation progress, a representative repeatedly told me that they were still in the process. Consequently, I watched my credit score plummet to the XXXX. 

Finally, I was able to obtain a refund from National Debt Relief in XX/XX/XXXX. Due to their fraudulent actionsdragging their feet in resolving my debt while continuing to take my money and allowing my credit score to fallI am officially submitting a complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On I realized someone had taken money from my savings account. I called Truist Bank and brought these unauthorized withdraws to their attention, I was informed that it was turned over to the fraud department. They said i had to complete papers mail only and i did not understand why they could not email me. I received papers, completed them and sent to fraud department. They then denied XXXX claims and stated they were to old and did not know who got the money yet they confirmed someone in that bank cashed out my money to someone who did not have permission to get my money. They just wont help me or give me my money back that was STOLE FROM ME, I feel like they don't care and are not helping get my stolen money back On these dates unauthorized transactions\withdraws were taken from the bank location in XXXX Ga, All states TELLER CASHED CHECK, THEN THE DEPOSIT SLIP SAYS CHECK ( I DO NOT HAVE CHECKS FOR THIS SAVINGS ACCOUNT ) I DID NOT AUTHROIZE ANY OF THESE TRANSACTIONS .. THEY DO NOT HAVE A TELLERS NAME ON ANY DEPOSIT SLIPS XXXX {$300.00} XXXX {$80.00} XXXX {$300.00} XXXX {$100.00} XXXX {$360.00} The Conyers location stated these transactions happened in XXXX I was turned in every opposite direction and then XXXX confirmed these happened in XXXX Ga also it was a man with XXXX different name i can not recall who works there XXXX I just know that they will not help me and they are treating me as i authorized these ands i did not i am so upset i feel like they are not treating me fair at all,.

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 monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am so sick and tired of stress related issues regarding this account, including XXXX XXXX. Due to many attempts to pay or check whats going on I have been unable to get online even when I finally got thru on phone. They couldnt understand it either I go to tx XXXX and am told to go to synchrony bank back to XXXX XXXX about to loose my mind sincerely. 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 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I was part of a class action and received a settlement from it but I didn't put the correct email on there for my PayPal and the only way I can get it is by creating a account with the same XXXX mail I did first they said I couldn't access it till I showed proof and selfie I complied then they said needed something that shows my address I did then they say they decided to no longer offer PayPal to me and they will hold my funds for 180 days for returns or charge backs when I never used account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
repeated calls and letters sent from this company about something wasn't did by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to Equifax on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Equifax has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. 
Equifax has therefore failed to conduct a reasonable reinvestigation as required by law. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this fourth follow-up complaint regarding a continuing and misleading error on my credit report. Despite prior disputes, TransUnion has failed to correct inaccurate information related to an account reported by XXXX XXXX XXXX in the amount of {$8500.00}, listed as a charge-off. 
This reporting is inaccurate and misleading, as it does not reflect the actual status of the debt. The account in question was long considered uncollectible, and following standard financial resolution procedures, it should no longer be reported as an active derogatory account. Under IRS regulations, when a debt is cancelled, forgiven, or discharged, the creditor is required to issue Form 1099-C ( Cancellation of Debt ) to both the consumer and the IRS. This form confirms that the debt is no longer owed and is instead treated as taxable income.

If a Form 1099-C was issued for this accountas is customary following charge-off reportingthen TransUnions continued reporting of an {$8500.00} balance is false, misleading, and in direct violation of the Fair Credit Reporting Act ( FCRA 1681e ( b ) ), which mandates that credit reporting agencies maintain maximum possible accuracy of all reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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 submitting this fourth follow-up complaint regarding a continuing and misleading error on my credit report. Despite prior disputes, TransUnion has failed to correct inaccurate information related to an account reported by XXXX XXXX XXXX in the amount of {$8500.00}, listed as a charge-off. 
This reporting is inaccurate and misleading, as it does not reflect the actual status of the debt. The account in question was long considered uncollectible, and following standard financial resolution procedures, it should no longer be reported as an active derogatory account. Under IRS regulations, when a debt is cancelled, forgiven, or discharged, the creditor is required to issue Form 1099-C ( Cancellation of Debt ) to both the consumer and the IRS. This form confirms that the debt is no longer owed and is instead treated as taxable income.

If a Form 1099-C was issued for this accountas is customary following charge-off reportingthen TransUnions continued reporting of an {$8500.00} balance is false, misleading, and in direct violation of the Fair Credit Reporting Act ( FCRA 1681e ( b ) ), which mandates that credit reporting agencies maintain maximum possible accuracy of all reported information.

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 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
Subject : Debt Validation Request Dear Sir/Madam, I am writing to dispute the above-referenced account and request full validation of this alleged debt. This is not an acknowledgment or admission of liability or a refusal to pay, and I request that all communication be in writing only. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, please provide the following : 1. Documentation proving that you are legally authorized to collect this debt/proof of ownership. 
2. 3. The name and address of the original creditor. 
An itemized statement of the alleged balance, including principal, interest, fees, and payments. 
4. A copy of the original contract or agreement bearing my signature, if applicable. 
5. Documentation showing a complete history of original account, the date of last payment, last activity, and date of first delinquency. 
6. Verification of debt amount including, Any records of payments made on this account, including dates and amounts/Itemized list of charges. 
Until you provide the requested documentation, you must cease all collection activity and refrain from reporting or continuing to report this account to any credit reporting agency. 
Please provide all requested documentation to the address listed above. I will retain copies of all correspondence. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am an elderly adult ( over XXXX ) with ongoing medical issues, a strong XXXX, XXXX XXXX under doctor 's care that may lead to XXXX XXXX, and extreme difficulty focusing my thoughts. This makes dealing with Shellpoint 's violations incredibly hard and stressful, qualifying as elder financial abuse. I truly feel like a victim, and I urgently request compensation from the CFPB Civil Penalty Fund as an eligible harmed consumer under 12 CFR Part 1075. Shellpoint 's repeated stonewalling and violations seem designed to exploit vulnerable people like me, knowing nothing happensno fines, no stops to foreclosure. They fault their own rules to avoid accountability, throwing violations back in my face while my XX/XX/year>, sale date approaches. Prior complaints haven't led to action ; please investigate and enforce now. 
Detailed Violations and Harm : Ongoing QWR Stonewalling ( RESPA Violation ) : Since my XX/XX/year>, QWR for creditor info, Shellpoint sends only repetitive acknowledgments ( e.g., XXXX XXXX XXXX XXXX ), violating RESPA timelines ( 12 CFR 1024.36 ). No substantive response in XXXX daysintentional delay to push foreclosure. 
Sham Review and Quick Denial ( RESPA/HBOR Violation ) : Application complete XX/XX/year> ( " XXXX Complete Acknowledgment ( 003 ) .pdf '' ), but denied XX/XX/XXXX ( " XXXX Non-GSE Non-Approval Notice.pdf '' ), citing max mods/insufficient hardship . No genuine reviewjust 6 days, contradicting 30-day promise. Why accept if denials are predetermined? Violates RESPA 1024.41 ( d ) and HBOR 2923.6.

No Appeal Rights ( RESPA Violation ) : Denial omits appeal process, breaching 1024.41 ( h ). I should've had 14 days to appeal ; no info provided, blocking my rights. 
Dual-Tracking ( HBOR Violation ) : Sale still set for XX/XX/XXXX despite protections ( XXXX ) exploiting my vulnerabilities. 
Communication Barriers ( HBOR/RESPA Violation ) : Calls refused due to litigation ; referred to attorney who dismisses requests ( attached email ). Violates single point of contact ( XXXX ). 

These mimic Shellpoint 's patterns in other CFPB complaints ( e.g., IDs XXXX, XXXX ). As an elderly XXXX victim, this causes severe harm : stress worsening my conditions, credit ruin, home loss threat. Shellpoint knows violations go unpunished.

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 2025-10-20 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: FL

Complaint narrative:
In XXXX of 2025 ; XXXX XXXX XXXX stole my identity; hacked into my XXXX, phone, emails, and obtained my SSN and illegally claimed food stamps. I did not know my cash app was also compromised until XX/XX/year>2025 when I made attempted to make withdrawal of XXXX to my bank account and noticed it did not appear. Upon checking cash app I noticed there was a bank name I did not recognize. I XXXX  the bank and it was XXXX and the same account and bank card belonging to XXXX XXXX. I immediately reached out to cash app who said they could do nothing and to contact his bank. I reached out to XXXX who also advised me to contact cash app and refused to even look at the transaction ID. I called cash app back and spoke to a woman who would not even let me speak ; continued to speak over me that she could do nothing and would not let me speak with a supervisor. She then claimed she could not hear me and terminated the call. 
XX/XX/year>- XXXX the manager emailed me requesting information which I promptly sent. Including the evidence of identity theft and ALL OF XXXX XXXX 's information including photos of his driver 's license he had in my email, and direct deposit information. 
XX/XX/year> - I emailed requesting an update. 
XX/XX/year> - XXXX from cash app support advised me that despite my report of fraud and the card that was NOT MINE they would not return my money because they claim I authorized someone to use my credentials which I already said I never did. 

They deactivated my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed multiple inaccurate and unauthorized accounts reporting on my credit file. I requested that the company provide documentation verifying that I opened or authorized these accounts, including original signed applications and account records. Despite my request, the company failed to provide any proof or supporting documents as required under the Fair Credit Reporting Act ( FCRA ). Instead, they marked the items as verified without investigation or proper documentation. 

I have already submitted written disputes and supporting evidence, including identity theft affidavits and proof of my identity, yet the company continues to report these accounts inaccurately. This has caused damage to my credit score and has made it difficult to obtain housing and credit.

I am requesting a full reinvestigation, deletion of all unverifiable or unauthorized accounts, and confirmation in writing that the items have been permanently removed in compliance with FCRA 605B, 609, and 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was impacted by the equifax and experian data breach.

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