vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Momnt Technologies, Inc.
State: FL

Complaint narrative:
I took out a Momnt loan on XX/XX/year> through XXXX XXXX XXXX XXXX for XXXX  treatment. I was told the treatment cost was {$8000.00} plus, but the financing contract results in nearly {$20000.00} in total payments. this was not clearly disclosed and feels deceptive. 

I completed the entire treatment as instructed and was promised that i wold regain feeling in my heels and see improvement. None of this occurred. I experienced no improvement and continue to suffer the same pain as before. 

I have been making monthly payments of {$110.00} since XXXX. 
The amount remains the same, it doesn't seen to go down at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
PayPal and XXXX XXXX XXXX has worked together to deny me a refund for my package that I never received although it was XXXX XXXX XXXX for I was never able to reach a actual live representative only a artificial intelligent system that was automated and not able to help me I reached out to PayPal since that was the company that I made the purchase through using my money they refuse to give me a refund even though XXXX XXXX XXXX I paid for next day delivery and they did not deliver the package until two weeks later giving me not accurate time window wants to be home for my package. Secondly, they left the package at my neighbors balcony and I never received my package and I never gave them permission to leave my package at my neighbors window And the second package never was delivered to me at all.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
A fair resolution, pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), would be the complete removal and permanent blocking of all fraudulent accounts and all unauthorized hard inquiries from my credit reports with TransUnion, XXXX, and XXXX. 

Under Section 605B, I am requesting the following actions : XXXX. Immediate deletion of all fraudulent accounts that were opened without my knowledge or consent. 
XXXX. Removal of all unauthorized hard inquiries associated with this identity theft incident. 
XXXX. Permanent blocking of these accounts and inquiries to prevent them from reappearing on my credit file. 
XXXX. Correction of any and all negative information that resulted from the reporting of these fraudulent accounts or inquiries. 
XXXX. Written confirmation from each credit bureau and any data furnisher verifying that the disputed items have been deleted and will not be reinserted. 

I did not open or authorize these accounts or inquiries and am the victim of identity theft. The fair and lawful resolution is full removal, permanent blocking, and correction of all fraudulent information in compliance with FCRA Section 605B.

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 2025-12-18 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: MD

Complaint narrative:
A fair resolution, pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), would be the complete removal and permanent blocking of all fraudulent accounts and all unauthorized hard inquiries from my credit reports with XXXX, Experian, and XXXX. 

Under Section 605B, I am requesting the following actions : XXXX. Immediate deletion of all fraudulent accounts that were opened without my knowledge or consent. 
XXXX. Removal of all unauthorized hard inquiries associated with this identity theft incident. 
XXXX. Permanent blocking of these accounts and inquiries to prevent them from reappearing on my credit file. 
XXXX. Correction of any and all negative information that resulted from the reporting of these fraudulent accounts or inquiries. 
XXXX. Written confirmation from each credit bureau and any data furnisher verifying that the disputed items have been deleted and will not be reinserted. 

I did not open or authorize these accounts or inquiries and am the victim of identity theft. The fair and lawful resolution is full removal, permanent blocking, and correction of all fraudulent information in compliance with FCRA Section 605B.

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 — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
I am having issues with my escrow account and monthly mortgage payments. I am a XXXX veteran and entitled to exempt property taxes on my home. I have sent the required information to the company on multiple occasions and had several phone calls with them, but no progress has been made. The company continues to run my escrow analysis with taxes included, increasing my monthly mortgage payments to cover a nonexistent shortage. My county of residence 's assessors office and treasurer has also provided the information they need, and the company even verified that they have the 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 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
I opened a credit account with XXXX XXXX  XXXX XXXX XX/XX/XXXX. I made a purchase on XX/XX/XXXX but then returned the item on XX/XX/XXXX. I then received a bill stating I owed {$99.00} for some promotional plan fee which was never communicated to me upon opening this account. I was told I had an 18 month free interest account on that purchase. I have been fighting with the company to remove this fee because the item was returned in full. Well, after going back and fourth with online secure messaging, they finally credited the {$99.00} to my account but now have charged me a {$30.00} late fee saying I didn't pay the {$99.00} fee on time ( which wasn't a valid fee to begin with nor should it have been charged to me since it was being returned anyway ). I am requesting the company remove any late fees and does not report to the credit agencies as being late since this was entirely their fault to begin with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IL

Complaint narrative:
I was charged {$99.00} on XX/XX/year> for a supposed annual membership by ACTIVE Network LLC. On my credit card it shows up as " XXXX XXXX XXXX '' At the same time, I received an email from XXXX acknowledging my supposed membership. 

I have never received an email from their domain before, I have never heard of them before, and I certainly did not sign up for an annual membership with them. 

I sent an email to them on XX/XX/XXXX, and have demanded a full refund. 

Could you please assist with resolving this dispute, and further look into ACTIVE Network LLC? After a cursory glance I see that many other individuals are reporting the same experience online, so this appears to be a pattern for the organization. 

Thank you very much! 
XXXX

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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo denied my fraud claim for {$880.00} ( Ref # XXXX ) claiming a 'mobile device linked to my account ' was used, but refuses to provide the following evidence. They haven't proven I authorized this transaction as required by Regulation E. They claim the decision is 'final ' without proper investigation. They won't identify the merchant, device specifics, IP address, or location data. This appears to be mobile fraud/hacking, not an authorized transaction. Wells Fargo is violating federal regulations by denying my claim without proving authorization and refusing provisional credit. I need the {$880.00} returned and a proper investigation conducted.

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 — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
In XX/XX/year> I opened an an online account with Square / Block for a non-profit organization that I am an authorized offer of. They allowed me to open the account and us it to make debit card transactions from our member donations. We opened the account for a fund raising event we were having and we debited {$7000.00} from our members in XXXX night at the event. When I tried to transfer the money to our Bank Account, Square said to me in the online app, they needed more information. They wanted government documents verifying the organization. I attempted numerous times to provide them with a copy of our Articles of incorporation from the California XXXX of XXXX as well as our XXXX IRS Non-profit status document. When I tried to send these documents to them through the Square APP, the App responded, with " the file was too large ''. Later the Square APP requested my identification. I sent them through their APP, my unexpired Real ID valid Texas Driver license and the APP responded " my ID was not valid or unacceptable ''. 
I called Square 5 times and they said they can not find my account. I told them I am looking at on my phone as we speak. it is still on my phone now. 
I am the president of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have an impeccable reputation within this Nation Wide XXXX and throughout the swimming pool industry. 
Because of the actions of Square/ Block, I am being looked at by my other board members and regular member as if I stole the missing $ XXXX have never had access to the money Square is holding XXXX Additionally, we need this money to conduct travel and events that we do in our regular business throughout the year. 
I request Square stop stealing our money, find our account, and transfer the money to our XXXX XXXX Non XXXX account.

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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited a check into Truist my bank account on Saturday. I found out XXXX days ago that they placed an administrative hold on my check for XXXX business days which means my check will not clear in my possession until XX/XX/XXXX XXXX XXXX they went ahead and told me that theyre allowed to put administrative hold anytime they want. I asked them what the reason was they said theres many reasons why they do that. Ive no idea why theyve done that to me. Ive been with Truist bank forever. Ive been with this bank for a long time. Ive never had an issue never once.

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: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I applied for the XXXX XXXX credit card with a bonus offer of XXXX points after {$2500.00} in purchases in the first 90 days. I completed the spend only to find out that they were providing me with XXXX miles. When I contacted the company, they first stated that I'm a repeat applicant ( I am not ), I requested an explanation and they said I applied for the XXXX promo. I replied through this link, which is still active, and the XXXX XXXX XXXX link is circular and leads back to the same page : XXXX XXXX XXXX  They are now claiming Federal regulations tie their hands and they will not honor the offer that I applied for. I requested explanations for the first incorrect excuse ( did not receive an answer ) and a copy of the credit application for this complaint ( still have not received an answer ).

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP
State: MS

Complaint narrative:
My wages were garnered and when I called I was informed that daily interest are being added to my balance

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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
At approximately XXXX on XX/XX/year>, I checked my personal bank account with Capital One to discover I had no access to either my checking or saving accounts any longer with a prompt to call their support team. Upon calling the support team and providing further verification, I was told that capital one is closing all of my accounts and cutting ties with me citing an active investigation. No further reason was given, no explanation, only that I would have to wait XXXX weeks for my account to close and then another XXXX weeks to recieve a check with my remaining funds. I called the company XXXX different times in search of an answer, explaining they had cut access to everything I have right before Christmas with no explanation. On call XXXX, I did reach a manager, who asked me to verify a few charges from a few days before, which I was able to verify in full and explain the reasoning for each charge. I believe this may have stemmed from a string of XXXX or XXXX charges from a trading card site I purchase from, and subsequent deposits from XXXX which is my instant pay work program which allows me to deposit part of my checks early. I believe the string of small deposits and charges while I was purchasing cards may have tripped an AI fraud detector. I tried to explain this over the phone, and that I was not committing any source of fraud, although they did not confirm if this was even the issue in the first place. Despite this, I was told the decision was final, and that it was unrelated to those charges, but they would not elaborate further. Now I have bills and rent approaching, no access to any of my money, no reason as to why I don't have access, or to what I possibly could've done to deserve this, and the only answer I have is to wait over a month for a check with my money, which by then it will be too late. I'm set to miss rent, car payments, bills, this may very well ruin me right before Christmas to add insult to injury. Please help me regain access to my rightfully owned money. I beg of you. Someone with a heart help me.

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: NC

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IN

Complaint narrative:
I sent Chime proof of all my information. I no longer can get into my emails, but Chime should have records of all this information, bc i sent them several pdf copies and my files still pull up. I received my tax check on XXXX XXXX and XXXX XXXX Chime sent me a message saying a transfer would be made to my other bank in the amount of XXXX. Take XXXX from XXXX {$4400.00} should be left and out of the money and there 30 days never showed up and its been over 2 years ago.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These accounts were not opened by me, nor did I authorize them. Please look into this and clear them from my file. Proof is included.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part.

Company response to consumer: Closed with explanation