vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
On XX/XX/year>XXXX  I made a purchase of {$40.00} on a website XXXX using my CashApp card. On CashApp, the transaction appeared as the website XXXX I quickly realized I had been scammed after further study of the website and the transaction. The domain XXXX  is a fake used goods storefront claiming to be located in Florida, but registered with XXXX  to the address XXXX  XXXX in XXXX, XXXX and the XXXX XXXX phone number ( XXXX ) XXXX, both documented as being tied to various scamming operations on social media, the XXXX  website and the XXXX address even articled in the XXXX XXXX XXXXXXXX. The only way to find the site was through XXXX Images of items which then sent you to that site. XXXXXXXX, the site CashApp listed the transaction as, was a white page with some error text on it, and is registered privately through XXXX. I reported both domains for abuse to their respective registrars, and by XX/XX/XXXX3rd both websites had become blank. I have screenshots of their appearances before they changed. 

I proceeded to dispute the charge as soon as it posted and CashApp denied it. I provided all of the same information plus screenshots. I appealed the decision, and in the appeal requested that CashApp provide evidence as to why they believed the merchant was providing legitimate items/service. They denied my appeal and did not provide me any information, and will not allow me to dispute or appeal again, which is why I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TN

Complaint narrative:
I bank with chime online banking On XX/XX/XXXX, XXXX around XXXX while I was sleeping someone accessed my account without my knowledge and took over {$300.00} XXXX filed a dispute with my bank three times and they found no evidence of wrong doing. Today XX/XX/year> around XXXX this afternoon that same person who took a little over {$300.00} took another {$62.00} for XXXX  XXXX and I filled another dispute but I already know nothing is not going to get done about it. They stole my money out of my account. All my accounts have been hacked and I need some help please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding chime handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: CA

Complaint narrative:
I submitted formal disputes to Equifax in XXXX regarding multiple inaccurate accounts that do not belong to me. Along with my dispute letter, I included a completed Identity Theft Report and supporting identification documents. Despite providing sufficient evidence, the disputed accounts remain on my Equifax credit report. It has been well beyond the 30-day investigation period, yet no proper resolution or deletion has been made. This lack of action is a clear failure to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this letter as a formal complaint and request for investigation into XXXX XXXX XXXX for alleged violations of 15 U.S. Code 1692g ( Fair Debt Collection Practices Act ) and 15 U.S. Code 1635 ( Truth in Lending Act Right of Rescission ). 

An account reported by XXXX XXXX XXXX was opened on or about XX/XX/year>, and is currently being reported as Placed for Collection on my credit reports. I have formally disputed this account with the furnisher and the credit reporting agencies. Despite this, XXXX XXXX XXXX has continued to report and verify the account without providing proper debt validation or any documentation establishing a lawful right to collect. 

Pursuant to 15 U.S. Code 1692g, I requested : Verification of the original creditor and the alleged balance ; A copy of any signed contract or agreement bearing my signature ; A full itemization of the claimed debt ; and Documentation proving XXXX XXXX XXXX legal ownership or assignment of the debt. 

To date, none of this information has been provided. The continued reporting and collection activity without validation constitute a direct violation of federal law.

Furthermore, under 15 U.S. Code 1635, I am exercising my Right of Rescission regarding any alleged agreement that may have been formed without full disclosure of credit terms. XXXX XXXX XXXX has failed to provide adequate disclosures or proof of a valid contractual obligation.

I am therefore requesting that the CFPB review and investigate XXXX XXXX XXXX conduct for : Failing to validate the alleged debt as required by federal law ; Continuing to report disputed information to credit bureaus ; Violating my rescission rights under the Truth in Lending Act.

I respectfully request that the Bureau take appropriate action to enforce compliance, require XXXX XXXX XXXX to delete the disputed account from my credit reports, and ensure that no further collection activity occurs on this account. 

Attached are copies of relevant documentation, including my prior dispute correspondence and credit report entries. 

Thank you for your attention to this matter and for your continued protection of consumer rights. 

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 2025-10-08 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this letter as a formal complaint and request for investigation into XXXX XXXX XXXX for alleged violations of 15 U.S. Code 1692g ( Fair Debt Collection Practices Act ) and 15 U.S. Code 1635 ( Truth in Lending Act Right of Rescission ). 

An account reported by XXXX XXXX XXXX was opened on or about XX/XX/year>, and is currently being reported as Placed for Collection on my credit reports. I have formally disputed this account with the furnisher and the credit reporting agencies. Despite this, XXXX XXXX XXXX has continued to report and verify the account without providing proper debt validation or any documentation establishing a lawful right to collect. 

Pursuant to 15 U.S. Code 1692g, I requested : Verification of the original creditor and the alleged balance ; A copy of any signed contract or agreement bearing my signature ; A full itemization of the claimed debt ; and Documentation proving XXXX XXXX XXXX legal ownership or assignment of the debt. 

To date, none of this information has been provided. The continued reporting and collection activity without validation constitute a direct violation of federal law.

Furthermore, under 15 U.S. Code 1635, I am exercising my Right of Rescission regarding any alleged agreement that may have been formed without full disclosure of credit terms. XXXX XXXX XXXX has failed to provide adequate disclosures or proof of a valid contractual obligation.

I am therefore requesting that the CFPB review and investigate XXXX XXXX XXXX conduct for : Failing to validate the alleged debt as required by federal law ; Continuing to report disputed information to credit bureaus ; Violating my rescission rights under the Truth in Lending Act.

I respectfully request that the Bureau take appropriate action to enforce compliance, require XXXX XXXX XXXX to delete the disputed account from my credit reports, and ensure that no further collection activity occurs on this account. 

Attached are copies of relevant documentation, including my prior dispute correspondence and credit report entries. 

Thank you for your attention to this matter and for your continued protection of consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Background I leased my vehicle ( VIN : [ XXXX ] ) through XXXX XXXX XXXX ( XXXX ) and paid off the lease in full in XX/XX/XXXX. Despite fulfilling my obligation, I have been unable to obtain the vehicle title because XXXX failed to provide the proper post-payoff paperwork required by the California DMV. 

Timeline of Events XX/XX/XXXX Lease payoff : I fully paid off my Hyundai lease. XXXX did not send me the vehicle title or any instructions after payoff. 
XX/XX/XXXXXXXX XXXX XXXX XXXX  : I received no title or Bill of Sale. My DMV record continued to show XXXX XXXX XXXX XXXX as the legal owner, which prevents issuance of a duplicate title. 
XX/XX/XXXXXXXX  : After I contacted XXXX about the missing title, they provided only a notarized lien release letter and no further guidance. 
Late XX/XX/XXXX : Only after I specifically asked did XXXX email me a scanned Bill of Sale not an original wet-signed document. 
XX/XX/XXXXXXXX  : I went to the California DMV with REG 227, the notarized lien release letter, and the scanned Bill of Sale. DMV rejected my duplicate title application because the Bill of Sale was not an original wet-signed copy ( required to transfer or confirm ownership ). 
Current : I am relocating internationally in XX/XX/XXXXXXXX  and must sell my vehicle before leaving. Because XXXX has not provided the proper paperwork, I can not obtain a title and therefore can not sell or export the car. 

Impact XXXX  failure to deliver the original title or an acceptable, wet-signed Bill of Sale for over a year has left me unable to sell or export my paid-off vehicle. This has caused significant delay and hardship as I prepare to move overseas.

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 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Collection accounts appear on my credit report that I believe include inaccurate details. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is accurate and verifiable. I am requesting a thorough review of these accounts, and if they can not be confirmed as accurate, they must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
Hello Cashapp is disguising themselves as a friendly and welcoming payment service. My tenant attempted to send me her rent payment ( in installment ) Cashapp immediately canceled it. I called customer service to let them know that this is totally legit and not a scam or fraud. Their fraud security system needs to be investigated. It is too sensitive flagging many transactions as fraud. However, some of my family members and friends said cashapp allows their rent payments to successfully go through. So I would like to know if the CFPB believes their practices might be a bit bias towards some selected persons. I saw this lawsuit filed from the CFPB against cashapp and ordering them to pay millions and damages. We open cashapp assuming we will be able to use the services. I am not a part of any fraud or scam. My sister and friends use cashapp with no issues. Why aren't my tenants able to send their rent through this payment service?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
My credit union found a delinquent account on my credit report that is not mine. The account is with XXXX and I have never heard of this company or requested credit with them.

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 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northstar Location Services, LLC
State: RI

Complaint narrative:
Northstar is a debt collector We will use any information you give us to help collect the debt. 
Our information shows : You had an account from XXXX  XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As of XX/XX/year>XXXX  you owed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Between XX/XX/year>XXXX  and today :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I am writing this complaint because the following account : XXXXXXXX XXXX XXXX XXXX XXXX is on my credit report from Credit Collection Services. This letter serves as a complaint regarding their violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. I also request immediate investigation and removal of this erroneous account, as it is damaging my credit and causing undue hardship. According to the FCRA ( 15 U.S.C. 1681 ), Credit Collection Services is obligated to ensure that any information they furnish to credit reporting agencies is accurate and verifiable. In this case, they have failed to meet these requirements. 
Failure to Provide Adequate Debt Validation ( 15 U.S.C. 1692g ( b ) ) I have the right to request proper validation of the alleged debt, which includes : proof of the original creditors name and the chain of ownership of the debt ; documentation of the original signed agreement proving I owe this debt ; and evidence that Credit Collection Services has the authority to collect in Ohio while attempting to enforce this debt in New York. Simply providing a billing statement does not meet the standards of validation under federal law. This has been upheld in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ), where the court held that billing statements alone are insufficient validation of a debt. 
Credit Collection Services is required to ensure the maximum accuracy of the information they report. Failure to validate the debt renders the account unverifiable, making their reporting a violation of the FCRA. As per XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX. XXXX ), unverifiable debts can not be reported. Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must have proper authorization to collect debts. Credit Collection Services has failed to provide proof that they are authorized to collect this debt in New York while I reside in Ohio. Their actions constitute misleading and deceptive practices in violation of 1692e of the FDCPA. Moreover, collection actions across state lines without proper licensing may violate New Yorks and Ohios consumer protection statutes, which require out-of-state collectors to meet specific legal requirements before pursuing debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-08 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank claimed to have reopened my CareCredit dispute on XX/XX/year>, but abruptly closed it by XX/XX/XXXX without performing a legitimate review. During that short period, they sent form emails claiming to be reviewing my dispute while simultaneously asking me to re-submit documentation they already received multiple times, both directly and through prior CFPB and XXXX  complaints. 

I was in the hospital during that time with a serious XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am obligated to put my health before responding to Synchrony while in medical crisis, yet they continued to send repetitive requests and to close my case before I could even respond. Their actions have aggravated my illness through unnecessary stress and disregard for my circumstances. 

Synchrony keeps pretending to go through the motions of an investigation while never addressing the substance of my dispute, namely, that the XXXX XXXX XXXX ( XXXX ) billed for services that were not properly delivered or fell short of medical standards. What do they expect from me, emails, witness statements, and XXXX  own written admissions of billing errors, all of which I already possess? Instead of engaging with evidence, Synchrony keeps hiding behind a signed bill as their only justification for denying my dispute. 

This pattern of premature closures and bad-faith reviews is deceptive, harmful, and dismissive of both the facts and my health, which they are highly aggravating.

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 2025-10-08 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: MA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have noticed collection accounts on my credit report that I believe contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is both accurate and verifiable. I request a review of these accounts, and if they can not be properly verified, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, LA XXXX - XXXXXXXX XXXX XXXX Name : - XXXX XXXX CurrentAddress : - XXXX XXXX XXXXXXXX XXXX, XXXX, LA XXXX Previous Address : - XXXX XXXX XXXX XXXX XXXX, LA XXXX Name : - XXXX XXXX XXXX - XXXX XXXX XXXX DOB : - XXXX Listed below are the Accounts that are being challenged XXXX  - XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief