vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> request a zero interest balance transfer of {$2000.00} against my Wells Fargo Bank credit card account. Wells Fargo Bank authorized the balance transfer and supposed sent funds to my 7 showed up in my XXXX  checking account. Made 4 calls to the customer service number listed on credit card. Each time I called I was told it takes a period of time for funds to be deposited in my checking account. Time delay was told me on first call to be 5 days. Second call I was told it would take 15 days. 3rd call I was told it would take 90 days. I went to the Wells Fargo Bank to enlist help from the bank XXXX XXXX XXXX XXXX. He was able to call and find out my balance transfer funds had been sent to XXXX. He directed me to call the Wells Fargo XXXX XXXX to talk with someone there to locate my funds. To date I do not have the funds and have no idea where funds are.

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 2025-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
Inaccurate Late Payment FCRA Violation I noticed a late payment entry from your company on my credit report that I do not recognize. 
Under the Fair Credit Reporting Act ( FCRA ), financial data including payment history must be reported accurately. 
This appears to be a billing mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
I have completed 120 qualifying payments. 
I submitted multiple reconsideration requests without resolution. 
I have documented proof of the missing payment. 
The delay is preventing discharge of my loans. 


The XX/XX/year> payment has not reflected on my qualifying payment list for months and my XXXX account shows the payment. 

I asked for a recount in XXXX, XXXX, and today again. 

This is ridiculous, stalling my forgiveness by blatantly leaving out qualifying page just so you dont have to issue forgiveness

Company response to consumer: Untimely response
Consumer complaint received 2025-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
XXXX  has failed to comply with the Fair Credit Reporting Act ( FCRA ) following my prior CFPB dispute ( ID XXXX ). Despite being provided with all necessary identifying information through the XXXX secure portal, XXXX  closed my case with a boilerplate request for ID verification, thereby avoiding a lawful reinvestigation. 

This conduct violates multiple sections of the FCRA and demonstrates bad-faith obstruction of my statutory rights. 

Facts I have lived outside the United States for roughly XXXX years and have not opened credit during that period. 

A false collection account from Aldous & Associates ( original creditor : XXXX XXXX XXXX appeared on my reports, along with false late payments from XXXX XXXX XXXX 

These entries are demonstrably inaccurate and XXXX involve identity theft or data-matching errors. 

XXXX failure to investigate allowed this damaging information to remain, lowering my credit scores. 

Violations FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation after receiving a dispute via the CFPB.

FCRA 611 ( a ) ( 5 ) ( A ) Failure to delete or modify unverifiable information.

FCRA 609 ( a ) ( 1 ) & ( 3 ) Failure to disclose source and furnisher information.

FCRA 605B Failure to block identity-theft-related data within four business days.

FCRA 611 ( b ) Failure to provide written results of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALCAR INC.
State: IL

Complaint narrative:
Errors with reporting, duplicate accounts wrong reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian XXXX is reporting an eviction judgment from XXXX, XXXX  ( XXXX  ). I was never served notice of this case and therefore was denied the opportunity to defend myself in court. Reporting this judgment without proper service and without context is misleading and inaccurate. 

This reporting violates : FCRA 607 ( b ) failure to ensure maximum possible accuracy of information. 

FCRA 611 failure to reinvestigate disputes in good faith when challenged. 

Harm : This inaccurate reporting is damaging my credit score, preventing me from accessing housing and fair credit opportunities. It presents me as a higher-risk tenant when in fact I was never legally served and the record should not be considered valid for reporting.

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 2025-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
On XX/XX/year>, I placed an order with XXXX  for their XXXX flashlight ( XXXX lumens ) and rechargeable lithium-ion battery, totaling {$150.00}, paid via Cash App. What I received was not the product advertised, and the shipment raised serious concerns about safety, misrepresentation, and environmental compliance. 

Instead of the XXXX  XXXX, I received a generic, unbranded flashlight labeled XXXX XXXX that is non-functional, incompatible with the battery, and lacks internal contact springs. The lithium-ion battery was shipped without proper insulation or compliant packaging, violating U.S. Department of Transportation ( DOT ) and International Air Transport Association ( IATA ) regulations for hazardous materials. The parcel was routed through third-party handlers and bore a shipping label referencing a completely unrelated recipient and address.

USPS tracking confirmed that the package was held due to unpaid postage, and the delivery address did not match the one I provided. This constitutes a clear fulfillment error, and the merchant has refused to issue a refund despite multiple requests and documentation. 

I submitted a formal dispute and appeal to Cash App, including : Photos of the incorrect flashlight and battery USPS tracking logs showing unpaid postage and delivery failure Email correspondence with XXXX  confirming the item was not the XXXX Evidence of unsafe packaging and misrouting Despite this, Cash App denied my appeal. This decision contradicts their Buyer Protection Policy, which covers items not received, not as described, and unsafe goods. 

This transaction violates multiple federal laws and consumer protections : 15 U.S. Code 45 Deceptive practices under the Federal Trade Commission Act 16 CFR 238.2 False advertising and misrepresentation Consumer Product Safety Act ( CPSA ) Unsafe product delivery and failure to meet safety standards DOT/IATA Lithium Battery Shipping Regulations Improper packaging of hazardous materials USPS Parcel Handling Regulations Misrouted and unpaid postage As a consumer, I feel deeply betrayed. I paid for a premium product and received a dangerous, misrepresented item. Ive exhausted all reasonable channels to resolve this, and I am now turning to the CFPB for intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: KY

Complaint narrative:
Pro Collect, Inc placed a fraudulent collection on my credit report for XXXX on XX/XX/year>. Alleging they were contracted by The XXXX XXXX XXXX Apartments. I never lived at this location. I contacted the apartment ( XXXX XXXX XXXX ) directly, they have no record. The XXXX XXXX XXXX will not provide a confirmation of no record. ProCollect will not remove the fraudulent activity. ProCollect requested payment through XXXX XXXX at XXXX, which is suspicious to me. After requesting a debt validation, they refuse to respond.

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 2025-10-04 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: Oquirrh Mountain Law Group, P.C.
State: GA

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding the poor services I received from XXXX XXXX XXXX XXXXXXXX. Your company failed to respond in a timely manner, leaving me without proper support and causing me unnecessary stress and financial hardship. 

Because of this neglect, I am requesting financial compensation for the hardship and losses I endured. If I do not receive a satisfactory response within 10 business days, I will escalate this matter to the XXXX XXXX XXXX the Federal Trade Commission, and my states consumer protection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-04 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: VA

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe XXXX have been compromised as a result of the data breach affecting Experian. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete any and all items that may have been affected by this breach, as they can not be verified as accurate or legitimately associated with me. 
Account name : XXXX XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} Account name : XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} Account name : XXXX  Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} Account name : XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}

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 2025-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
This is a formal complaint against XXXX  regarding an inaccurate collection account reporting. 

The collection account from XXXX XXXX XXXX was already deleted by XXXX and Equifax after their investigations, which clearly proves that the account is either inaccurate, unverifiable, or does not comply with FCRA standards. However, XXXX continues to report the same collection account, which is inconsistent and damaging to my credit profile. 

I have attached supporting documentation that shows : - XXXX removed this collection from my credit file. 
- Equifax removed this collection from my credit file. 
- XXXX  still continues to report this collection. 

This violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and consistent reporting and to delete accounts that can not be verified. 

I am requesting that Experian immediately remove this XXXX XXXX XXXX collection account from my credit report to reflect the same correction already made by XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aldous & Associates, PLLC
State: AL

Complaint narrative:
I had to filXXXX XXXX XXXX XXXX XXXX XXXXXXXX was included in the XXXX XXXX from which I have been XXXX from. XXXX sold the {$180.00} debt to Aldous Collections company. I have spoken to them and explained this debt was XXXX under XXXX XXXX. They laughed and said " pay the {$180.00} or we will ruin your credit ''. Since the debt was XXXX by the Federal Government under XXXX  XXXX, I contacted my attorney and was directed to do nothing. Now Aldous Collections has reported this to XXXX  and my score dropped XXXX points for a debt I was XXXX from. Account number XXXX. I have multiple health issues is another reason I had to file Chapter XXXX and could not use XXXX under doctors orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-04 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Plastyc, Inc.
State: NM

Complaint narrative:
Upside gas app offers XXXX e-gift card to cash out accumulated balance. XXXX doesn't do business with Upside at all. Upside refuses to credit my account {$10.00} to the bank card on file. [ already issued sorry about your luck was basically their reply ] FRAUD. FRAUD FRAUD

Company response to consumer: Untimely response
Consumer complaint received 2025-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: ME

Complaint narrative:
MRS BPO sent me a debt validation notice and did not provide information about whether or not I could dispute the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Self Financial Inc.
State: SC

Complaint narrative:
I have emailed and called Self.Inc about my credit card they have issued me. It is inactive/deactivate, even though I have credit available on it. I can't get a hold of ANYONE or ANYTHING to tell me why it is like this and what I can do to get it reactivated or get my money back. I have emailed/called their parent bank Lend, and they just refer me back to the phone/email support to SELF.Inc which noone is answering.

I just want to know what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: OH

Complaint narrative:
They charged me an amount and I did not accept the service charge which was never installed, and my reply is always the same.

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 2025-10-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Clarity Debt Resolution, Inc
State: MI

Complaint narrative:
I am submitting this complaint against Clarity Debt Solutions for mismanagement of client funds, breach of contract, and causing significant harm to my credit history and financial standing. 

Due to hardship during the XXXX pandemic, I hired Clarity Debt Solutions XXXX XX/XX/XXXX to assist with debt consolidation and settlement. I was unemployed and needed help managing multiple debts. Under our agreement, I made monthly payments of {$440.00} beginning in XX/XX/XXXX. These payments were to be held in a client trust account and used to pay my creditors once settlement agreements were reached. 

Over the course of the program, several accounts were negotiated and settled. However, in XX/XX/XXXX, I received a settlement offer from XXXX XXXX for {$4500.00}, which was the final remaining debt under Claritys management. Clarity began making payments toward this settlement XXXX payments in total beginning with an initial payment of {$34.00} on XX/XX/XXXX, followed by monthly payments of {$190.00}. 

In XX/XX/XXXX, after nearly XXXX years of consistent payments and repeated requests for clarification, I contacted Clarity Debt Solutions to request a final payoff amount to ensure all accounts were fully paid. Clarity informed me that a final total of {$1900.00} would resolve all remaining debts. I paid that amount in full on XX/XX/XXXX, with the understanding that all creditors would then be fully satisfied. 

Recently, I attempted to lease a property and was denied due to negative credit information. Upon review of my credit report and further investigation, I discovered that the XXXX XXXX settlement had been voided because Clarity Debt Solutions failed to make the final payment of {$190.00}. As a result, XXXX XXXX has reinstated the original debt balance of {$8500.00} and reported the account as delinquent. 

When I contacted Clarity Debt Solutions to address the issue, they were unable to provide any statements, payment records, or documentation showing how my funds were managed or disbursed. They simply stated that there were insufficient funds to complete the settlement, despite my full and timely payments over nearly XXXX years and the additional lump-sum payment made in XX/XX/XXXX. 

This failure has caused : Severe credit damage, Loss of a housing opportunity, Reinstatement of a debt that was supposed to be settled, and Significant emotional and financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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:
I am filing this complaint because XXXX XXXX XXXX, along with the credit reporting agencies Equifax, Experian, and TransUnion, are in violation of the Fair Credit Reporting Act ( FCRA ) 605 ( c ), 623 ( a ) ( 5 ), and 611 ( a ) ( 1 ) ( A ) for illegally re-aging a charged-off account and failing to conduct a proper reinvestigation. 

The original Date of First Delinquency ( DOFD ) for this XXXX XXXX XXXX account was XX/XX/XXXX. After my initial dispute, the account was re-aged to XX/XX/XXXX, and has now been re-aged again to XX/XX/XXXX. 

I made it clear in my previous disputes that I was not disputing ownership of the account, but rather the inaccurate and unlawful modification of the reporting dates. Despite this, the bureaus closed my disputes as verified, claiming the account belongs to me completely ignoring the actual issue of re-aging. 

This repeated and deliberate alteration of dates is illegal under the FCRA, as it misrepresents the accounts true age and extends the reporting period beyond the lawful seven-year limit. Furthermore, the credit bureaus failure to investigate the specific issue I raised constitutes a violation of FCRA 611 ( a ) ( 1 ) ( A ), which requires a reasonable reinvestigation of the specific dispute raised by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
My pay off is {$600.00} as of today XXXX I'm ready to get my title. But the recorder says XXXX I paid a payment last month already it doesn't seem like they applied it. I spoke to XXXX of the ladies there she said of course it wasn't applied so the total is {$600.00} as I'm ready to pay it we get disconnected then I called back. The lady didn't speak XXXX. She didn't understand what I was saying. I need to get this taken care of if I could have somebody call me that speaks XXXX so I can pay the XXXX XXXX. Thank you XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: MI

Complaint narrative:
I XXXX XXXX am A victim of Identity theft request the deletion and removal of the following fraudulent accounts : XXXXXXXX XXXX opened XX/XX/XXXX, XXXX XXXX opened XX/XX/XXXX, XXXX XXXX opened XX/XX/XXXX, XXXX. XXXX XXXX opened XX/XX/XXXX, XXXX. XXXX XXXX opened XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Hello Wellsfargo, I am writing to formally dispute and request reconsideration of the recent decrease in my credit limit on my account ending in XXXX. 

I was surprised to learn that my credit limit was reduced from {$7000.00} to {$5800.00}, despite maintaining an excellent payment history with your institution. My records show 100 % on-time payments since opening this account, and I have consistently demonstrated responsible credit management. 

I addition, I used this credit card as a balance transfer, and I haven't had any additional purchases on the account. 

I want all the calls reviewed. I wasn't provided satisfactory service on my calls. I was told a case manager would reach out me, but they never did. I had to reach out to them, and had wait to get a hold of the proper agent. Their customer service is horrible. 

This reduction negatively impacts my credit utilization ratio, which can affect my credit score and overall credit profile. Given my consistent payment history, stable income, and responsible use of credit, I respectfully request that you reinstate my previous credit limit or provide a clear explanation and supporting documentation for the reduction.

Please review my account and reconsider this decision. I am confident my creditworthiness supports maintaining or restoring my prior limit. 

Thank you for your time and consideration. I look forward to your prompt response. If a prompt response isn't received, I'm requesting immediate reinstate of my original credit limit of {$7000.00}. I will be filing additional complaints with the XXXX  and the State if I'm not able to get this resolved. 

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