vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Village Capital & Investment LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX  Sent a message through their messaging portal. 
Subject : " Principal Curtailment & Wire Request '' Body : " I am preparing to make a one-time {$270000.00} PRINCIPAL ONLY payment via wire transfer. Please provide the following : Wire Instructions : Provide the current warehouse/corporate routing and account numbers for a principal curtailment. 
Prepayment Penalty : Confirm there are {$0.00} prepayment penalties for a payment of this size. 
Application Instructions : Confirm the " Reference/Memo '' format required to ensure these funds are applied strictly to principal and not held in suspense or used to advance the due date. 
I intend to maintain my current monthly payment of {$3500.00} following this curtailment. Please confirm receipt of this request. '' No response. Notably, every day I do not pay down this amount of the principal, I am losing {$60.00} in interest simply because they have no incentive to allow me to pay. 

XXXX XXXX XXXX  - Recorded call. 
Called and spoke with a customer service representative and explained the situation and request above. They submitted a task for an email with instructions to be sent to me by " end of day tomorrow ''. 

XXXX XXXXXXXX XXXX - Recorded call. 
Called and spoke with another customer service representative. Made it clear that they were in violation of RESPA. They said that the task from yesterday was still open and that I should get an email by the end of the day. I asked what happens if I don't. No answer. Asked for a supervisor. Denied. 

It's now almost XXXX XXXX, I still have no instructions email, and I am unable to go to the bank for the wire at this point, so I am out another {$120.00} as the banks are closed on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: FL

Complaint narrative:
Received a letter XX/XX/year> from American Coradius International LLC Claiming that I owe XXXX to XXXX XXXX. I have not had a XXXX account for 6 years. I called XXXX and they told me that it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: LEXISNEXIS
State: FL

Complaint narrative:
I am filing this CFPB Complaint to report XXXX separate accounts appearing on my consumer credit report which XXXX not recognize as reported and which are the result of a data breach. These accounts include : XXXX. Creditor/ Furnisher Name : 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXXXXXX : XXXX * These accounts have resulted in several hard inquiries and collections appearing on my consumer credit report. I demand that the aforementioned items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
On XXXX I filed a complaint # XXXX with the CFPB against Jefferson Capital Systems for filing an erroneous debt collection account and complete failure to send me any valid proof of debt, a chain of assignment, and any copies showing I am responsible for that debt in addition to other issues. 
On XXXX the company responded ( see attached ) and in and among other statements made by this company to both myself and the CFPB, they assured us that all reporting information would be removed and no additional collection action would be taken. 
On XXXX. Jefferson Capital Systems failed to notify any credit bureaus to delete said collection account, and in the alternative RE-POSTED said alleged debt to all XXXX credit bureaus ( see attached proof as to them filing again on XXXX as an attached screenshot ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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 HAVE DISPUTED FRAUDULENT INFORMATION REPORTING ON MY CREDIT FILE TO EXPERIAN, EQUIFAX, AND TRANSUNION FOR 9 MONTHS. I HAVE SENT IN FTC Report, stated that I was a victim of EQUIFAX DATA BREACH, Provided the fraudulent accounts, Asked them to remove charges, fees, and stop reporting to credit bureaus, Include evidence : Attach your FTC report and ID copy. EXPERIAN, EQUIFAX, AND TRANSUNION HAS FAILED TO PROPERLY INVESTIGATE MY DISPUTES, REPORTING MISLEADING INFORMATION, REINSERTING INFORMATION CAUSED BY FRAUD. 




I am a victim of identity theft. I am formally disputing a transaction or an account that I have learned has been made, opened or applied for with you. I did not make this transaction or open or apply for this account and have not authorized anyone else to do so for me. You may consider this transaction or account to be fraudulent. Below is my identifying information. I have filed a report of identity theft with my local police department and a copy is attached. Under federal and California laws, creditors and other business entities must provide a copy of application and business transaction records relating to fraudulent transactions or accounts opened or applied for using an identity theft victims identity. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
I HAVE DISPUTED FRAUDULENT INFORMATION REPORTING ON MY CREDIT FILE TO EXPERIAN, EQUIFAX, AND TRANSUNION FOR 9 MONTHS. I HAVE SENT IN FTC Report, stated that I was a victim of EQUIFAX DATA BREACH, Provided the fraudulent accounts, Asked them to remove charges, fees, and stop reporting to credit bureaus, Include evidence : Attach your FTC report and ID copy. EXPERIAN, EQUIFAX, AND TRANSUNION HAS FAILED TO PROPERLY INVESTIGATE MY DISPUTES, REPORTING MISLEADING INFORMATION, REINSERTING INFORMATION CAUSED BY FRAUD. 




I am a victim of identity theft. I am formally disputing a transaction or an account that I have learned has been made, opened or applied for with you. I did not make this transaction or open or apply for this account and have not authorized anyone else to do so for me. You may consider this transaction or account to be fraudulent. Below is my identifying information. I have filed a report of identity theft with my local police department and a copy is attached. Under federal and California laws, creditors and other business entities must provide a copy of application and business transaction records relating to fraudulent transactions or accounts opened or applied for using an identity theft victims identity. 

I

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 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I disputed a credit card account originally from XXXX XXXXXXXX XXXX XXXXXXXX, which is now being handled by Halsted Financial Services for XXXX XXXX XXXX. 

On XX/XX/year>, I received an email labeled as Pre-Legal Notice from Halsted Financial Services, urging me to make payment arrangements and referencing a previous payment of {$68.00}. 

The account is under active dispute, and I have not received proper validation of the debt as required by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Despite this, the company continues to contact me via email. 

I have previously filed a dispute with XXXX regarding inaccuracies in the reporting, and I also submitted a complaint to the CFPB on XX/XX/year>. Despite these actions, the company continues to send collection communications. 

These repeated email contacts while the debt remains disputed and unvalidated constitute improper collection practices. I am requesting that all collection activity cease and that any inaccurate reporting related to this account be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: PA

Complaint narrative:
This company is attempting to collect on a debt that I do not owe. I became aware of the account when I applied for credit, got denied, and pulled a copy of my credit reports. This company never even sent me a collection notice. Pursuant to the FTC, this is known as debt parking which is illegal. I demand proof that I owe such debt. I demand to receive the following ; 1 ) proof a collection notice was sent to me by providing a copy of the green return receipt or shipping number, 2 ) a copy of all statements and contract, 3 ) proof of ownership or assignment by sending me a purchase agreement or assignment agreement. Otherwise I will seek legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
I submitted a dispute in XXXX of XXXX  and CFPB stated that the company normally responds in 15 days which they did and they asked for an additional 60 days. During which they put the debt back into my credit report with this investigation still being ongoing. The tactics and misuse of information that this collection company is doing is illegal.

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 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CT

Complaint narrative:
Use this for What happened? ( you can check the publish box if youre okay with it being public ) : On XX/XX/year>, I paid {$250.00} through Cash App for a cryptocurrency mentorship program. The person I dealt with called himself XXXX and directed me to send the money to a Cash App account under the name mattheu palacios ( $ mattheupalacios ), saying it was his associates account. 

Before payment, he described this as a business mentorship : he said he usually charges {$1000.00} but collects {$200.00} {$250.00} as an initial investment and then the rest is paid within the first two months with money we make together. After I sent {$250.00} on XX/XX/XXXX, he immediately replied XXXX XXXX we can get to work now and said he would text a meeting time. 

Over the next XXXX weeks, he made excuse after excuse and never provided any service. Examples : on XX/XX/XXXX he said he was out with a girl and would be home around XXXX ; on XX/XX/XXXX he said he was out of town ; on XX/XX/XXXX he said he had just woken up from a nap and was so burnt ; on XX/XX/XXXX he cancelled saying he had vomited multiple times ; on XX/XX/XXXX he said his brother crashed a car and sent a photo ; on XX/XX/XXXX he said he was stuck at the hospital for scans. He repeatedly promised we would meet tomorrow or on the official drop date, but not a single call, meeting, or minute of mentorship ever happened. 

On XX/XX/XXXX I told him that it had been about a month with no proof of concept and that for all I knew I had just been scammed out of {$250.00}. After that message he stopped responding entirely and has never contacted me again. I received no services, no materials, and no access to any supposed mentorship group. 

I reported this to Cash App as a scam. Cash App initially issued a provisional credit and then reversed it. Their only explanation both times was a single sentence : We completed our investigation and determined that were unable to reimburse you for this payment. They did not explain what they investigated, what evidence they reviewed, or why they believed this was not fraud. They never asked me for my chat transcript or any of the detailed evidence I have. 

Because the payment was funded by my debit card, I believe this falls under the Electronic Fund Transfer Act and Regulation E errorresolution rules. Cash Apps onesentence denial, with no reasoning, is the kind of incomplete investigation the CFPB recently cited in its enforcement action against Block/Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
XXXX is allowing recurring charges from XXXX for nearly a year. I am requesting XXXX block the merchant and terminate any billing authorization without forcing me to change my bank/card numbers. XXXX support refuses unless I report fraud and change account numbers, which would disrupt other legitimate billing. I need XXXX to ( 1 ) stop future charges from this merchant, ( 2 ) confirm authorization is revoked, and ( 3 ) provide refund resolution guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/XXXX at XXXX {$900.00} was withdrawn from my XXXX  account via ATM at XXXX XXXX XXXX. I didnt notice this notification until XXXX XXXX  as I was at home practicing for my gig coming up in XXXX XXXX I checked to see if my debit card was in my wallet but it was not. I must have lost it early that day when I was out doing errands. I immediately locked my card and called XXXX. I couldnt reach their customer service as it was after their hours of operation, so I filed the dispute the following morning. It took about 5 days before they denied my claim. I then appealed providing evidence of my location via screenshots of my phones geo location as well as XXXX history showing I was studying music artists at home during the time of the withdrawal. Thus proving there is no physical way I could have withdrawn that money. Additionally I told them they to check my location data on their end as I have my location services set to always allow giving XXXX  access to my precise location during the time of the withdrawal. 
The following day they denied the claim again saying only an authorized user would know the amount in the account and withdraw this specific amount. I rebutted saying, No, any atm has the option to check available account balance before proceeding to withdraw. This is a weak point to deny the claim on. 
They denied the appeal with the same response without directly engaging or answering my rebuttals and evidence. I then filed a police report yesterday on the XXXX and submitted another appeal with XXXX  but today ( XXXX ) they denied the appeal again with same response. I am very frustrated with them, I provided them with all the evidence pointing to the fact this was indeed an unauthorized withdrawal. And they are essentially accusing me of lying and submitting a fraudulent claim. I have been with XXXX  and have used their services for over 7 years and never have had any problems until now. I am very disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Prosper Marketplace, Inc.
State: IN

Complaint narrative:
I am submitting this complaint regarding Prospers unilateral closure of my credit account without prior notice and the subsequent allegation that I opened the account with intent to commit fraud. 

I discovered that my account had been closed only when I logged in to check my payment due date and saw a notice indicating the account was closed. I received no advance notice, warning, request for verification, or opportunity to provide information before the closure. 

I immediately contacted Prosper customer service. The initial representative stated only that Prosper had been unable to verify certain information but refused to provide details. After escalation to a supervisor, I was told that Prosper had closed the account because it had concluded the account was opened with intent to commit fraud. This allegation is completely false and unsupported. 

At no point was I contacted to verify information, despite being fully reachable and willing to cooperate. There has never been a missed payment, misuse of the account, or suspicious activity. The account was used normally and responsibly. 

Prosper has not provided : - Any written explanation of the basis for the fraud allegation - Any disclosure of what information or consumer report was relied upon - Any adverse action notice - Any clarification regarding whether adverse information has been or will be reported to credit reporting agencies If Prosper relied on consumer reporting information, fraud scoring, or third-party verification services in making this determination, I believe Prosper has failed to comply with the Fair Credit Reporting Acts adverse action and disclosure requirements. 

Additionally, Prosper has not clearly explained how repayment of any remaining balance is to be handled after Prosper elected to terminate the account without notice. 

I am requesting that Prosper be required to : 1. Provide a written explanation of the reason for closing my account 2. Disclose the factual and evidentiary basis for the fraud allegation 3. Identify any consumer reporting agency or third-party data relied upon 4. Confirm whether any adverse information has been furnished to credit bureaus 5. Correct any inaccurate reporting and cease any improper reporting related to fraud I am not refusing to pay legitimate charges. I am seeking transparency, accuracy, and compliance with federal consumer protection laws. The manner in which this account was closed and the seriousness of the allegation made against me warrant regulatory review. 

I respectfully request CFPB assistance in obtaining a complete and lawful response from Prosper. 

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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
i had open Citi XXXX card [....... XXXX ] XX/XX/XXXX and was promised {$300.00} [ XXXX points ] after i, ll spend {$1000.00} within 90 days.I spent it next day, got XXXX points supposed to be {$310.00}, when i had applied it all to my balance it turned to {$150.00}, [ XXXX what i was promised ] .Contacted them XX/XX/XXXX and was told they changed policy in XX/XX/XXXX and sent letter to me? i had opened this card XX/XX/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 2025-12-24 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