vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
To Whom it May Concern, I signed up for a Sofi account to fulfill the following offer : Bonus Terms : In order to qualify for a bonus of either {$50.00} OR {$300.00}, SoFi must recognize receipt of at least XXXX Eligible Direct Deposit ( as defined below ) from an Eligible Participant [ ] Eligible Direct Deposit means a recurring deposit of regular income to an account holders SoFi Checking or Savings account, including payroll, pension, or government benefit payments ( e.g., Social Security ), made by the account holders employer, payroll or benefits provider or government agency ( Eligible Direct Deposit ) via the Automated Clearing House ( ACH ) Network. 

Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at XXXX with the details of your Eligible Direct Deposit. After SoFi validates the details of your Eligible Direct Deposit, your Direct Deposit Bonus Period will be treated as having started on the date we receive your first Eligible Direct Deposit. 

I made direct deposits of {$3500.00} on XX/XX/year> and {$3200.00} on XX/XX/year>. These both came from my employer at university and thus have fulfilled the requirement for a {$300.00} cash bonus for making a {$5000.00} + direct deposit. However, Sofis automated system did not characterize the {$3500.00} deposit as a direct deposit. I had requested for this to be reviewed. On XX/XX/XXXX, I was notified that they did not immediately accept this as a direct deposit. On this date, I uploaded my offer letter and a receipt from the university portal that disbursed my funds. This portal is used to deliver regularly occurring stipend payments or bonuses and is distinct from the portal used by university HR. On XX/XX/XXXX, I asked for an update via chat and they told me that it was corrected on their end. Towards the end of the month, I asked for another update and they told me that they would manually correct it. However, on XX/XX/XXXX they rejected my request with no acknowledgment of my evidence giving the impression they did not review it. I had asked chat support to comment on why my evidence was not sufficient but no one has directly responded to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: GA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
What happened : On XX/XX/year>, I was contacted by someone claiming to be XXXX XXXX, saying she was associated with an inmate named XXXX XXXX. The caller told me that XXXX was in confinement and urgently needed money for hygiene products and a replacement tablet. Believing this information, I sent two payments through CashApp totaling {$270.00} : {$130.00} at XXXX XXXX {$140.00} at XXXX XXXX  Later, I confirmed directly with XXXX that she was not in confinement and had not requested any money. I reported this as fraud to CashApp and submitted a dispute ( Case # XXXX ). I also reported it to my local police department ; the incident is documented under Case # XXXX. 

I asked CashApp multiple times for a way to submit the police report and supporting documentation, but they have not provided a method to do so. The company has denied reimbursement, stating they could not confirm a scam, even though law enforcement has documented it. 

I am requesting a full review of my fraud claim and reimbursement of the {$270.00} lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
This is a woman within store credit card with Comeinty Bank, closed account,. I closed the account in early XXXXXXXX XXXX I only had it about two months. I got a XXXX balance staqtement. Then, I got a bill for {$16.00} and some change for an item that was supposedly delivered in XXXX. It was only that one item in dispute. I said I never got it. It was on backorder from a XXXX order. Now, due to Comenity 's ridiculous policy they charge something like {$40.00} every month and that {$16.00} item now has on the charge account statement {$90.00}. We are talking about one pair of sweatpants for {$16.00}. I declined to pay for something I never got. I paid for every item I did get in full. 

I wrote and called about this. I spoke to both Comenity and Woman Within. They pass me around back to each other. I wrote Comenity bank and also Woman Within. I sent them all bills I had. I don't know what to say but I never received this item. They claim it was left. If so, someone took it or they left it at the wrong house. We do have porch pirates in our neighborhoods. My front and back doors are both open to walk ins. My short block has seven other numbers beginning with XXXX. It was supposedly delivered in XX/XX/2025, but I never saw it. 

This ridiculous charge shows up on XXXX as defaulted!!! and my credit score on XXXX lowered XXXX points! Yet, on XXXX XXXXs of XXXXXXXX XXXX it shows Comenity Bank has me as never late and exceptional payment history! My score on XXXX XXXX XXXXXXXX. I have always been over XXXX. I have been the woman within brands customer since the XXXX! I have paid every dollar on their brands that I bought.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ 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 2025-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XXXX has repeatedly hired collection agencies to collect for a blood test they drew by mistake. My Dr. never ordered this test. I have verified this with my Doctor and test draw was a mistake on Quests part. I sent evidence to the first collection company and they quit sending me debt notifications. XXXX then moved to Credit Collection Services I also sent proof of Quests mistake to. They ignored the evidence and sent a collections notice again. Im tired of dealing with this. XXXX is in the wrong and they continue to harass me with collectors for a debt I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: NY

Complaint narrative:
I am filing this dispute because my credit report contains accounts that are inaccurate, unauthorized, and inconsistent across the credit bureaus. I never opened or approved these accounts and was never informed of their addition. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure accuracy.

It also violates 15 U.S.C. 1681i, which mandates that disputed information be investigated and corrected or removed within XXXX days, as well as 15 U.S.C. 1681g, which requires that consumers receive accurate and complete disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: SC

Complaint narrative:
I am writing to dispute the following information in my file. The items I am disputing are marked with an circle on the attached copy of the credit report I received from MY CREDIT REPORTS EQUIFAX, TRANSUNION, EXPERIAN. 
I am a victim of identity theft, and did not authorize these inaccuracies shown below. I am requesting that the item ( s ) be blocked to correct my credit report.

Enclosed are copies of documents supporting my position. Along with my FTC statement and Police Report. Please investigate these matter ( s ) and block the disputed item ( s ) as soon as possible.

ACCOUNT NAME : Account Name : XXXX XXXX/ Account Status : XXXX  Account type : Secured Home Improvement Date Opened : XX/XX/year> Account Balance : {$51000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Quantum Leap Mortgage Corporation
State: OH

Complaint narrative:
I was emailed wiring instructions from the title company ( PM Title, XXXX c/o XXXX XXXX XXXX XXXX XX/XX/year>. I took a screenshot of the email and sent it to my loan officer ( XXXX XXXX ) asking if it was real, she verified it was. I was given wiring instructions and told to wire {$39000.00} to that account. I did. This morning ( XX/XX/year> ) I got to the title company to close on the house I purchased, and the gentleman that was having me sign papers showed me a paper with an amount that was my down payment, I told him that was not the correct amount I was told by XXXX XXXX. ( It was {$830.00} more than what I had sent. ) He left the room and brought back more paperwork and set them side by side on the table to show me why their was a difference. He said the amount I was told did not factor in the correct title costs. It was exactly {$800.00} short. So he told me to go to my bank and send over the remaining money. After I left, I got a text from my real estate agent asking about the wire transfer as the title company had not received it yet. I sent a screen shot of both wire transfers showing they were sent, as well as a screenshot of the instructions given to me. XXXX XXXX said those were not the correct instructions and to call my bank immediately. I did and they said they were going to request the funds back from XXXX XXXX but it was up to them if they did or not. XXXX XXXX then called me asking me about the wire instructions, I told here that she sent them to me and she asked me to forward her the email, so I did. It turns out it was indeed not her email I got the instructions from. I told her the loan officer XXXX XXXX told me it was legit which is why I sent it. She stated she believed that the mortgage company might have been hacked. I never received any wire instructions from the real PM Title, XXXX until I asked for it when she notified me that the place I sent it to was incorrect, which seems odd since I closed on the house today and how else would they have gotten the deposit that was required from me.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-25 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-25 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
If you have been following this story, CFPB : XXXX XXXX would not send me the statements that I requested nor will anybody assist me at Wells Fargo at all ( in XXXX or XXXX ). I filed a police report last year regarding this same issue. I have been accused of customer impersonation when the unethical business practices at Wells Fargo are unreal : Dear XXXX XXXX, I am writing to express my deep concern and disappointment regarding the unethical business practices of Wells Fargo, and the lack of meaningful response to the serious issues I have raised over the years concerning my financial well-being. 

Despite repeated outreach, my concerns have been consistently dismissed, and Wells Fargo has failed to take timely or effective action to remediate the harm caused. The consequences of these actionsor inactionshave been devastating. Over the past decade, I have endured significant financial loss, including the depletion of my life savings. I have been forced to live out of storage, a stark contrast to the stability I once had before banking with Wells Fargo. 

The damage extends beyond finances. I have suffered the loss of family relationships, developed XXXX, and continue to struggle with the emotional and psychological toll of this experience. It is unacceptable that, XXXX years later, I am still working to understand and recover from the full extent of the harm caused. 

Wells Fargo publicly committed to making things right for affected customers, yet I have seen no meaningful follow-through. I urge you to take this matter seriously and ensure that the company provides the accountability, transparency, and restitution that customers like myself deserve. 

Sincerely, 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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
fair resolution would be for the company to pay off my credit card balance in full and close the account, as I previously requested in writing to XXXX from the XXXX XXXX. 
This request is based on the companys prior offer of compensation and the distressing experience I endured when a teller refused to accept my payment. I was told to sign a check unnecessarily, despite having clearly instructed that it be used for deposit only. 
I have severe XXXX and was physically unable to sign, which led to public humiliation at the branch. The tellers refusal to accommodate my condition and accept the payment caused emotional and financial harm. 
I am not seeking a written explanationI am seeking direct resolution through the compensation that was offered : payoff and closure of the account.

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 2025-09-25 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:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX Account number : XXXXXXXX XXXX XXXX- Account number : XXXX XXXX XXXX XXXX XXXX-Account number : XXXXXXXX XXXX XXXXAccount number : XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX XXXX number : XXXX XXXXXXXX XXXX- Account number : XXXX XXXX XXXX- Account number : 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 2025-09-25 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: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-25 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:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. TRANSUNION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act, has violated my rights.

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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