vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under. 
BARCLAYS BANK DELAWARE - XXXX * * * * has violated my rights. 

I looked at my credit report and noticed some things are incomplete and not inaccurate. And according to the Fair Credit Reporting Act whenever a consumer reporting agency mer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who m the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
A collector is reporting on my credit report under XXXX different names and for various amounts. XXXX is not giving me any information since debt was written off and account is closed in their system. Account is still listed as open on credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
Subject : Unfair Refund Fee on Uncashed Money Order To Whom It May Concern : I am filing a complaint regarding XXXX XXXX refusal to refund the full value of a money order that was never cashed. 
On XX/XX/year>, I purchased a XXXX XXXX money order in the amount of {$120.00}. 
The recipient never cashed this money order. 
When I requested a refund, XXXX XXXX informed me that they would deduct a {$15.00} processing fee before returning my own funds. I escalated the issue to a supervisor and that individual refused to waive the fee. This was after explaining to the supervisor that i purchased another western union money order to replace that money order that never made it to the destination. 

I find this practice unfair and excessive for the following reasons : XXXX. I already paid a fee at the time of purchase. 
XXXX. The money order was never cashed/arrived at its destination, so Western Union is still in possession of the entire {$120.00}. 
XXXX. Charging an additional {$15.00} simply to return unspent funds means I am being penalized for a service that was never fulfilled. 
XXXX. Other issuers, such as the XXXX. Postal Service, charge far less for the same process. 

This policy results in Western Union keeping a portion of my money without providing the service I purchased. I respectfully request that Western Union refund the entire {$120.00} to me without deducting the {$15.00} fee.

If Western Union is unwilling to resolve this matter fairly, I request that your office investigate their money order refund practices, as they appear to unfairly burden consumers. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: CA

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate and unfair entries on my credit report. These inaccuracies are harming my creditworthiness and causing financial and personal distress. The accounts in question are : 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  Reported Charge Off I dispute the accuracy of these reports for the following reasons : The late payment reported by XXXX is incorrect. I have consistently made timely payments, and this erroneous report is causing unjust damage to my credit score. 

The charge-offs reported by XXXX XXXX XXXX XXXX XXXX  are inaccurate. I have documentation proving the accounts were either settled, not in default, or inaccurately reported. 

These inaccurate reports are violations of the Fair Credit Reporting Act ( FCRA ), which requires that all credit information be accurate, complete, and verifiable. I request the CFPBs assistance in ensuring these accounts are thoroughly investigated and that all incorrect or unverifiable information is promptly corrected or removed from my credit report. 

Enclosed are copies of supporting documentation, including payment records, account statements, and prior correspondence disputing these items. I request a formal response detailing the actions taken to rectify these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am deeply concerned about the violation of my consumer rights due to the dissemination of inaccurate information. I expect fair treatment and request a detailed explanation of how accuracy and compliance responsibilities have been neglected. Negative information, whether certified or not, is unacceptable to me ; what truly matters is factual and truthful data concerning your company and my credit profile. The inaccurate credit report I received is surprising, as it should adhere to the FCRA and applicable Metro 2 data field formatting standards. I challenge you to provide a verified, complete, and truthful document that substantiates each claim. Failure to follow these standards, as outlined in the XXXX  XXXX, jeopardizes data integrity, which is a serious matter. Removing any false accounts promptly is essential to prevent future financial consequences. My credit report holds significant importance, and I expect only accurate, verified, and compliant data to be documented. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: WA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: AL

Complaint narrative:
I am writing to file a formal complaint against SoFi Bank regarding the sudden and unexplained closure of my account. 

On XX/XX/year>, at XXXX XXXX, I received an official email from SoFi Bank notifying me that my account would be closed. Concerned, I immediately called XXXX customer service. The first representative I spoke with informed me that they could not find any information regarding the closure and reassured me that I had nothing to worry about. 

I was then transferred to another representative, who repeated the same statement. However, once I refused to end the call and pressed the issue further, the representative finally admitted that she could see the closure notice on her end. She stated that a decision had already been made, and there was nothing I could do to reverse it. She further advised me that I had XXXX  days to withdraw my funds before my account would be permanently closed. 

This sudden account closure, coupled with conflicting information from multiple representatives, has caused me serious concern. I was not given a valid explanation for the closure, nor was I provided with sufficient time or transparency to properly address the matter. I believe this is an unfair and potentially unlawful banking practice that puts my funds and financial stability at risk. 

I respectfully request that the Consumer Financial Protection Bureau investigate XXXX Banks handling of this matter and require them to provide : XXXX. A clear explanation for why my account is being closed. 
XXXX. Adequate time and assistance to secure my funds. 
XXXX. Assurance that this practice will not unfairly harm me or other consumers. 
XXXX. Able to continue to have my bank account with XXXX XXXX consider this a formal complaint, and I request acknowledgment of receipt. I am prepared to provide a copy of the email XXXX sent me and any call logs or records related to this issue. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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 XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  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!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My wife by mistake use our Citibank account to oay our mortgage and that's not the account we used for this transaction. Bank without the funds held my account and I was unable to enter to fix it. I tried to send a check to them to balance the funds but they advise that account was set up for closure and I was not longer able to have the funds back until account was closed. I was afraid to send my mortgage money so I stopped the check from my other bank account with a different bank. 
I went to the closes branch that I found to mitigate and get even so I did not have any issues with them. I deposit the amount they provide to balance the account. I was afraid my paycheck which was on the way to that acvount was going to be held. The teller told me most likely that money was not going to be accepted. The next XXXX  I called my payroll team and they advise that money entered the acvount that was closed. I called and was sent to and XXXX customer service which confirmed that my check entered and that I have wait until the account is complete closed to have my money back. The process could take from XXXX to XXXX  days. I called around that time and they told me that processed was completed and that I should received the check anytime. XXXX weeks pass by and there were no check and I went to the branch again but they don't have any information and suggest to called the fraud department again. I called and they sent me gain to the XXXX team which says that my account is balanced which is a lie since the same team told me they were able see the funds from my paycheck that was held at time of acvount being held. Now I have to wait XXXX to XXXX  days until they review my account again. There's not response and I'm being fighting for about XXXX  months to get my money back

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 2025-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against cashapp ( Block, Inc. ) Due to inadequate customer service and unfair practices, which village the Cosumer Financial Protection Art ( CFPA ) specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: United Shore Financial Services, LLC
State: CO

Complaint narrative:
XX/XX/XXXX when XXXX transitioned to another XXXX and our account got affected because during that time our mortgage interest rate went up to 4.75 % in XXXX. Were on temporary by down so were aware of the increase from 3.75 % XXXX %. We were able to make a last payment in XXXX ; when were about to make a payment in XXXX, the correct amount was not applied on the account. Its showing XXXX something dollars but we already statements that its supposed to be XXXX for XXXX and XXXX. Ive been trying to communicate with XXXX ever since they promised us that they will work on it and someone will contact us and that they will not file a credit report since we are protected but still they filed a credit report for default payment. I was told to submit a check for the correct amount but they rejected it and returned the check. I called them and they said it will fix. The supervisor XXXX ( XXXX ) on XX/XX/XXXX submitted a ticket to make a correction for correct payment of XXXX for both XXXX and XXXX and she said she also submitted a report to credit bureau to remove the credit report of default payment and it will be applied on XX/XX/XXXX. When it was corrected i was able to pay over the phone on XX/XX/XXXX for the amount of XXXX. Its already XX/XX/XXXX and they still havent corrected/applied the temporary by down on our account and its still showing the incorrect amount on our account. I called XX/XX/XXXX and they said that they can accept and apply the XXXX because its not correct amount. They deducted the money but they didnt apply it on our account so when i asked them wheres the money they said its on hold but its still deducted on my bank account.they wont tell me the exact date when it will be fixed they kept saying that it will be fix later on but they cant tell me the exact date and they still have my money. I asked and requested of the government shutdown assistance but they said they cant help me since the temporary by down still havent been applied on our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: TX

Complaint narrative:
Dear Sir or XXXX of the CFPB, I hope this message finds you well. 
I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law. 
As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 
In light of these regulations, I must highlight that XXXX {$3100.00}, XXXX {$8100.00}XXXX XXXX XXXX XXXXXXXX {$7300.00}, XXXX {$6400.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9100.00} has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation