vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Greenlight Financial Technology, Inc
State: IL

Complaint narrative:
After having an account with Greenlight for several years, contributing regularly during this time period, I decided it was time to open a proper XXXX savings account for my niece. 

When trying to withdraw the funds, the app shows that I have {$0.00} available to transfer. 

I reach out to customer service to resolve the issues and was told " The transfers from the account were sent to the funding source ending in XX/XX/XXXX '' I then asked what's the time frame on processing and was told " you should see the funds in XXXX business days. '' XXXX weeks go by, and I inquire about the status. I'm informed at this point that there is a temporary hold on my account and that I may receive an email with further instructions. This simply wasn't true. I explain that I didn't receive an email. Now, XXXX weeks after they refuse my to deliver my funds, I receive an email requesting to confirm ownership of my account. I immediately submitted the required documents within XXXXXX/XX/XXXX and ask for the following : XXXX. The current status of the transfer XXXX. The specific reason for the delay. 
XXXX. A confirmed date the funds will be released to my bank Throughout this conversation, I'm communicating with an AI agent. After each message, I am greeted by an allegedly higher level reviewer, an allegedly even higher level reviewer, and then finally the allegedly highest level of reviewer. Yet not once were my questions answered- just the same formatted AI slop over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Easy Finance, LLC
State: MS

Complaint narrative:
Easy Company LLC has been reporting a charged off debt of XXXX which I am confused about as I have never heard of this company before .and have never done business with them. This is very confusing why they are reporting on my credit reports. 

Under worst delinquency its shows O. 

But yet they have another reporting that states that it is paid or paying as agreed. 
Also you will notice that in the various credit reports they are stating different dates that the account was opened or closed, and date of last activity .As you will see they are also reporting the alleeged debt as paid as agreed and shows no delinquency This is obviously a fraudulent tradeline and violates the fair credit reporting act and the Fair debt Collection practices act. When I sent Easycompany Llc a debt validation letter requesting that they validate the debt they refused to comply.

In addition to a complaint being filed with your agency I will also be forwarding this information to The Mississippi Attorney Generals Office, The Federal Trade Commission and The Federal Bureau Of Investigation and the Department Of Justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I made a purchase for a bus ticket with grey hound but i didnt make it on time so i missed my ride. So i requested a dispute/refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, M I XXXX Email : XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, MD XXXX Phone : ( XXXX ) XXXX Re : Account Number : XXXX CEASE AND DESIST NOTICE Pursuant to the FDCPA and FCRA To Whom I t XXXX Concern, This letter serves a XXXX formal notice that I am exercising my rights under federal consumer protection laws and demand that you cease and desist from further collection activity and improper credit reporting related to the above-referenced account. 
XXXX. XXXX XXXX - XXXX XXXX. XXXX You may only contact me to confirm that collection efforts have ceased XXXX XXXX XXXX XXXX  notify me XXXX XXXX  a specific legal remedy being pursued. Any other communication constitutes a knowing violation of federal law. 
XXXX. Failure to Validate the XXXX - XXXX XXXX. XXXX Pursuant to XXXX XXXX XXXX. XXXX, I dispute the validity of this alleged debt. You have failed to provide proper debt validation, including proof of the original creditor, a complete payment history, and a copy XXXX XXXX any agreement bearing my signature. Until proper validation is provided, you are prohibited from continuing collection activity, including reporting XXXX XXXX updating this account with any consumer reporting agency. 
XXXX. XXXX XXXX XXXX - XXXX XXXX XXXX. XXXX ( b ) Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( b ) requires that all information furnished to consumer reporting agencies be accurate and verifiable. Reporting unverified, inaccurate, o XXXX  disputed information XXXX XXXX a violation o f federal law. Any such tradeline must b XXXX immediately corrected XXXX XXXX deleted Notice XXXX XXXX Liability Failure to comply with these demands may result in civil liability, statutory damages, actual damages, attorney 's fees, and court costs as provided under XXXX XXXX. XXXX and XXXX. 
This letter is not a refusal to pay, but a formal notice XXXX XXXX XXXX XXXX legal rights. I expect written confirmation of compliance. 
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 2025-12-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC
State: TX

Complaint narrative:
A XXXX door-to-door sales representative came to my home and offered XXXX internet  service. I clearly stated that I did not want the service. The representative continued to insist, and I eventually provided my information after being told the service would be set up and installed within a few days. 

The internet service was never installed, no technician ever came, and no equipment was delivered. I never used XXXX XXXX  at any time. 

Despite this, XXXX later attempted to bill me for this service. I contacted XXXX and was told the charge had been removed. However, I later discovered that the account was still active internally and was sent to a third-party collection agency, MRS BPO, for a debt related to a service that was never provided. 

I do not have a XXXX phone number, login, or password because I never had active service. When attempting to contact XXXX, I was repeatedly routed through automated systems and chat agents that required account access I do not have. 

I am disputing this debt because the account was opened without my authorization, service was never installed, and the charge should not exist. I am requesting that XXXX close the account with a zero balance, recall the account from collections, and correct any negative credit reporting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DCI Credit Services, Inc.
State: ND

Complaint narrative:
On XX/XX/XXXX, a payment of {$280.00} was taken from my paycheck through wage garnishment. At that time, I only owed {$77.00} on the remaining balance of this debt. 

The same day, I emailed the company to notify them of the overcharge, requested a refund of the excess amount, and asked that the wage garnishment be stopped. 

Despite notifying the company immediately and following up multiple times since then, I have not received the refund of the overcharged amount. The company has continued to delay resolving this matter and has failed to return my money or provide a clear explanation. 

I am requesting the immediate refund of the overpayment and written confirmation that the wage garnishment has been corrected.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
The company onepay is refusing to pay my friend back the money they owe her

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WA

Complaint narrative:
XX/XX/year> chime restricted/limited my account for " unusual activity ''. when I called XX/XX/year> to figure out why, I was told they didn't have a reason due to the investigation being in progress and I'll have my account back within XXXX. Today, XX/XX/year> at XXXX I received both an email and an app notification saying I got my account back. At XXXX I received both an email and an app notification that my account was yet again restricted/limited for " unusual activity ''. When I called again, they refused to give me an explanation for the XXXX restriction, the refused to give me the reason for the XXXX restriction even tho the " investigation '' is over. They refused to transfer me to a supervisor or XXXX. I then decided to have them call me through the chime app itself was told less than XXXX minute waiting time, waited XXXX minutes, for them to tell me the same blanket script and then HUNG UP ON ME. All I have is on that account. My phone bill is due today and I was promised by the person I spoke to on XX/XX/year> that I would have my account back in full with no issues within the XXXX hrs to be able to pay it. I can't even send the funds to my husband to pay it. Because chime is refusing to fix or lift the restrictions, I will owe an additional {$100.00} ( {$20.00} per line restoration fee ) which I can not afford. There was no unusual activity on my account. I keep my card locked and I watch my transaction activity closely due to having my informant stolen before. There wasn't even any sort of notification that happened in the XXXX XXXX XXXX minutes I had my account back, I hadn't even gotten to open my app at that point before it was restricted again! They claim it's an " automated restriction '' in which they have no control over. How do you have an automated system you can't override that's allowed to keep people money from them? There was nothing on my account to even remotely flag AI bs

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I reported my car stolen on the morning of XX/XX/XXXX. On XX/XX/XXXX, I realized my SoFi Checking account had XXXX unauthorized charges on it, most of which were {$200.00} or {$300.00} withdrawals from XXXX different XXXX locations beginning the night of XXXX through XX/XX/XXXX. My checking was connected to my savings account, so this drained my accounts of {$3900.00}. Despite having alerts turned on for my checking account, I wasn't alerted to any of this until there was a {$42.00} charge at a restaurant on XX/XX/XXXX. I notified the bank of my account and filed a dispute on all of these charges on XX/XX/XXXX. I also requested a new debit card and that my accounts be frozen. I received a new card, but my account was not frozen. 

On XX/XX/XXXX, I receive an email for each of the XXXX charges stating that they investigated the charges and determined no unauthorized activity occured. I called to dispute the charges, and was told by an employee that they would email that department for me, requesting additional documentation related to their investigation. 

I've never used my accounts in such a manner. The withdrawals were consistent, rapid, and occured repeatedly in the same locations. I can not understand how this could look normal to anyone. I still don't understand why I didn't receive an alert sooner, or why my account wasn't frozen after that as I had requested. I have no faith in the security of any of my XXXX accounts now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase XXXX XXXX credit card. I got it and paid the membership plus other funds. Called on XX/XX/XXXX to cancel because my situation has changed. 
Called again wondering where my refund is and I was told that Im only getting {$18.00} back and change and not the membership fee. Had to talk to a rep and a supervisor who told me that I HAD to call back to get a refund which I asked why because the account already had been canceled. Horrible racket for XXXX. 
Used to work in the finance industry where auditors dont tolerate anything shady. He blew me off when I bought it up. I would like all of my money back. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
ON XX/XX/XXXX XXXX mobile deposited my escrow check of XXXX into my XXXX bank account. It was officially deposited on the XX/XX/XXXX and reversed on XX/XX/XXXX. Bank of America says it cleared XXXX says it was rejected with " refer to maker '' I was told on the phone by a XXXX XXXX to deposit the physical check. Which I did on the XX/XX/XXXX, and it was also rejected on XX/XX/XXXX but by XXXX because the " same check can't be deposited twice ''. Fast forward I have been going back and forth I have multiple case numbers, things have been escalated to MULTIPE departments at both banks, and everytime I get someone whether its a manager or not its taking XXXX or XXXX business days just to move forward. Each time nothing is getting resolved. They are still pointing fingers at each other.

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 2025-12-18 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: OH

Complaint narrative:
I am a victim of identity theft that has been ongoing for approximately three years. During this time, my personal and financial information was compromised and used without my knowledge or consent. 

For nearly two of those years, I was hospitalized for serious medical issues. While I was hospitalized and unable to actively monitor my financial accounts, fraudulent activity occurred. Multiple accounts were opened and used in my name without my authorization. 

I recently discovered a large fraudulent credit account appearing on my TransUnion credit report that does not belong to me. In addition, several variations of my name are showing on my credit report that are not my legal name, including different spellings and last names. These names are associated with addresses in multiple states, including Pennsylvania, Illinois ( XXXX ), Ohio ( XXXX ), and New Jersey. I have never lived at or authorized these addresses. 

I have also learned that my information may have been involved in a data breach, which I believe contributed to the misuse of my identity. 

I am currently in the process of purchasing a home, and this fraudulent activity has caused significant hardship and delays. I am actively working to correct my credit records and restore my financial identity.

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 2025-12-18 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: OH

Complaint narrative:
I am a victim of identity theft that has been ongoing for approximately three years. During this time, my personal and financial information was compromised and used without my knowledge or consent. 

For nearly two of those years, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. While I was hospitalized and unable to actively monitor my financial accounts, fraudulent activity occurred. Multiple accounts were opened and used in my name without my authorization. 

I recently discovered a large fraudulent credit account appearing on my XXXX credit report that does not belong to me. In addition, several variations of my name are showing on my credit report that are not my legal name, including different spellings and last names. These names are associated with addresses in multiple states, including Pennsylvania, Illinois ( XXXX ), Ohio ( XXXX ), and New Jersey. I have never lived at or authorized these addresses. 

I have also learned that my information may have been involved in a data breach, which I believe contributed to the misuse of my identity. 

I am currently in the process of purchasing a home, and this fraudulent activity has caused significant hardship and delays. I am actively working to correct my credit records and restore my financial identity.

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 2025-12-18 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: LA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake Financial Services is attempting to collect payments on an auto loan while confirming that the contract remains OPEN and under dispute. 

Vehicle was delivered by the dealer, but financing was not properly finalized. 

I am requesting investigation and suspension of collection activity until the dispute is resolved. 

Material terms verbally represented at the time of sale were not honored or reflected in the final financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NY

Complaint narrative:
Address on file in correct I want it off my credit report and profile immediately please

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 2025-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
XXXX transfer my loan to Mr Cooper powered by XXXX XXXX. Today they sent a person out to put a letter in my mail box about trying to contact me. today is the 1st day they have tried to reach me I was working. I was told from XXXX I have 60 days grace period and they are sending someone to my house. when you call their company the automate system does not like to speak with a live rep. I'm trying to understand why they are calling me, this company called 4 times while I'm at work and came to my door at XXXX this morning this same like harassment.

Company response to consumer: Closed with explanation