vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: AL

Complaint narrative:
Dear US Bank XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), c/o CFPB : Good evening, the US Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX promotions and rewards. The introductory XXXX XXXX XXXXXXXX for XXXX billing cycles hasn't ended, and I AM IN COMPLIANCE WITH TERMS AND CONDITIONS OF CREDIT CARD AGREEMENT. Other promotions include a spending bonus of {$750.00} ( EARNED Spending Bonus during first billing cycle in XX/XX/year> ), and EARNED Cashback Rewards [ {$28.00} ]. Both of which, were earned prior to bank account closure, without cause, on XX/XX/XXXX, XXXX ; however, both REWARDS ARE STILL ON THE SYSTEM, AND REQUIRE RESET FOR ACCOUNT CREDIT POSTING IN THE AMOUNT OF {$770.00}, because redeeming is XXXX resulting from no-cause account closure. Again and still, those REWARDS aren't lost nor forfeited, per the US Bank Triple card disclosure I RECEIVED [ please see page XXXX ] as the terms and conditions of the card agreement clearly and specifically cite reward forfeiture clauses. 

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX disclosure I received is different from the disclosure within CFPB complaint # XXXX titled " XXXX XXXX XXXX XXXX ''. The disclosure I received at time of credit card approval gives clear and specific terms for earning banking bonus, and once the spending bonus and cashback is earned, those rewards must be reset and credited to account, if bank closes visa account, without cause, and prevents redeeming. REFILING COMPLAINT TO INCLUDE DISCLOSURE I RECEIVED, AND IS IN COMPORTMENT WITH GEORGIA NEW BANKING REGULATION HOUSE BILL 15, EFFECTIVE XX/XX/XXXX, XXXX. THE CREDIT OF {$770.00} SCHEDULED TO POST ONTO ACCOUNT ON XX/XX/XXXX, XXXX, per XXXX XXXX [ XXXX center ]. PLEASE HAVE {$770.00} CREDITED TO VISA ACCOUNT. I ATTEST, AFFIRM, AND CERTIFY THE INFORMATION IS VERY ACCURATE AND VERY TRUTHFUL. 

Blessed, PHONE ( XXXX ) : XXXX AND XXXX ( RECOVERED ON XX/XX/XXXX, XXXX ) EMAIL ( XXXX ) : XXXX AND 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 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: OR

Complaint narrative:
My cash app account got closed back in late XX/XX/year> amount is {$560.00} I tried to resolve with Cash App support but they kept saying theres nothing they can do. I have {$560.00} in my closed Cash App account that been sitting there for XXXX months and I cant access it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: GA

Complaint narrative:
I have pulled my consumer report from XXXX. There is information showing my name as XXXX XXXX XXXX as male ; there is a report on the XX/XX/XXXXshowing an incident or event on XX/XX/XXXX with my name, but in a vehicle that I have never driven, nor had any incidents in. Also, it shows me having lived XXXX XXXX XXXX XXXX XXXX XXXX XXXX have never lived in XXXX, nor owned property there. Several of the reported emails listed are ones I have never created. There also appears to be XXXX property claims on the current address in XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. There was simply a call to start a claim for water damage -- -however the claim was withdrawn and certainly was just XXXX of which I initiated on that date.

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: IL

Complaint narrative:
The creditor Have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( mo ) XXXX sent XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. I am not liable for this debt with XXXX XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX XXXX, they did not provide me with the original contract as I requested. 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 15 USC 1681. Account name : XXXX collection acct # XXXX XXXX Funding acct # XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX Account Number # : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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. According to the FCRA this account is in volition of 15 U.S. Code 1666b. 15 U.S.C 1681 section 602 A, 15 U.S.C 1681c. ( a ) ( 5 ) ,15 U.S.C 1681 Section 604 A Section 2,15 U.S.C. 1681s-2 ( A ) please delete this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo requested additional time and/or documentation regarding my complaint, which I provided. I was not informed of any further requirements, deadlines, or deficiencies. Despite this, the bank closed the case without explanation or a final written determination. I am requesting records showing the basis for closing the case and the internal decision process used. 

I was sent documents thrown together not resembling a $ XXXX HELOC Loan. This is my THIRD ATTEMPT demanding the correct loan docs and Every SINGLE transaction that had to do with Wells Fargo Bank and XXXX XXXX from Date of marriage : XXXX until present. EVERYTHING! My name was not included except for a bank account I opened in the XXXX 's? ALL BANK RECORDS, BUT WE NEED THE $ XXXX HELOC I had to pay the IRS for, and I never knew existed- I would remember signing it, and we were not co-habitating in XXXX which is why you have a different address for XXXX XXXX and my legal name is nowhere to be found.

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 2025-12-27 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was shocked to discover that my credit report was improperly accessed in connection with a single inquiry that I do not recognize. An application was submitted in my name without my knowledge, consent, or authorization. I did not apply for this account, nor did I grant permission for this company to access my credit report. This unauthorized activity is alarming and represents a clear violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AS

Complaint narrative:
I am submitting to formally dispute the accuracy of certain information on my credit report as it relates to the account listed below. I have noticed several discrepancies across the XXXX XXXX  credit reporting agencies TransUnion, Equifax, and Experian that require immediate investigation and correction as provided for under the Fair Credit Reporting Act ( FCRA ). Specifically, I am exercising my rights under FCRA 611 ( 15 U.S.C. 1681i ) regarding disputes of inaccurate information, FCRA 623 ( a ) ( 2 ) requiring furnishers to correct and update information, FCRA 605 ( a ) regarding obsolete information, FCRA 609 ( 15 U.S.C. 1681g ) ensuring my right to full disclosure, and FCRA 1666 and 1666a, which govern correction of billing errors and creditor obligations during disputes. 

XXXX XXXX XXXX : $ XXXX up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: OK

Complaint narrative:
The company has put an address on my credit report that I never resided at now, or in the past.

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
The company has put an address on my credit report that I never resided at now, or in the past.

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 2025-12-27 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: Chime Financial Inc
State: OR

Complaint narrative:
Mark my account for XXXX review. I repeatedly asked an escalation XXXX to mark my account for XXXX review. The XXXX repeatedly did not listen to me, did not mark my account and did not tell me why. Did not provide me information. I provided a police report number. I provided an FTC Identity Theft Report. I cited Regulation Z liability cap at {$50.00} when this was in the {$1000.00} 's. I cited Regulation E, I cited FCRA 605b, etc. I am at this point requiring further escalation and a call from someone. I am a documented victim of identity theft and human trafficking. I was made to repeatedly speak about this becoming extremely triggered thinking about being violent violated, robbed, coerced etc. Thank you so much for denying my access to my money that is legally required to be given to me immediately. 

There is procedural reviews that need to be conducted. There is review into agent behavior that needs to be conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Consumer : XXXX XXXX XXXX XXXX : XXXX XXXX, California Company Complained About : Credit Collection Services , Inc .

Related Entity / Alleged Creditor : XXXX XXXX XXXX XXXX : Debt Collection Issue : Attempted collection of debt ; Incorrect information ; Failure to validate ; Misrepresentation I am submitting this complaint regarding unlawful and deceptive debt-collection activity by Credit Collection Services , Inc. ( `` CCS '' ) in connection with an alleged consumer debt they claim is owed to XXXX XXXX XXXX XXXX 
On or about XX/XX/year>, XXXX sent me a collection notice asserting that it was attempting to collect a debt allegedly owed to XXXX XXXX XXXX in the amount of {$550.00}. CCS has provided no proof of assignment, no bill of sale, no chain of title, and no accounting supporting this amount. 
At the same time, this alleged obligation is being reported to consumer reporting agencies as a charged-off credit card account owed to XXXX/ XXXX XXXX  XXXX with a balance of {$430.00}, not {$550.00}. The account has been repeatedly marked as " verified as accurate '' under the XXXXXXXX XXXX XXXX creditor identity following disputes. 
These representations are irreconcilable. A debt can not simultaneously be owed to XXXX XXXX XXXX XXXX  XXXX for {$430.00} and owed to XXXX XXXX XXXX for {$550.00}. CCSs attempt to collect while asserting a different creditor and a higher balance than what is publicly reported constitutes false, deceptive, and misleading representations.

Violations : 15 U.S.C. 1692e False, deceptive, or misleading representations regarding the character, amount, or legal status of the debt.

15 U.S.C. 1692g ( b ) Failure to provide validation and continued collection activity after dispute.

Material misrepresentation of creditor identity and balance creating consumer confusion and reputational harm.

Collection activity undertaken without competent evidence of ownership or authority.

Despite disputes and the existence of contradictory reporting, CCS has not ceased collection activity nor produced lawful validation. This conduct undermines the integrity of consumer reporting and violates federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: TX

Complaint narrative:
XXXX is reporting a collection account for an alleged XXXX XXXX XXXX debt on my TransUnion credit report. I have no agreement with XXXX and have not received any validation of the debt. 

The account is reporting incomplete and inaccurate information ( Closed : No Info ) and XXXX has not provided proof of assignment or authority to collect. This violates FCRA 1681e ( b ) and FDCPA 809.

I am requesting deletion of this collection from TransUnion. I have been denied further credit due to this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CMG Financial Services, Inc.
State: NJ

Complaint narrative:
I am filing a complaint regarding my mortgage servicer, CMG Financial, for failing to respond to and properly process my request for a current property appraisal to removal Private Mortgage Insurance ( PMI ).

They have made it Extremely difficult to remove PMI through current property appraisal.

Loan details : Original loan amount : {$230000.00} Current principal balance : approximately {$200000.00} Property address : XXXX XXXX XXXX XXXX NJ XXXX Loan number : XXXX Based on my current loan balance and the estimated market value of my property ( approximately {$360000.00} ), my loan-to-value ratio is well below 80 %, qualifying me for PMI cancellation.

I formally requested a current property appraisal for PMI removal and specifically requested an appraisal-based PMI review under the Homeowners Protection Act ( 12 U.S.C. 4901 et seq. ). CMG Financial has failed to respond to the appraisal request, order an appraisal, or issue a written approval or denial of the appraisal request. 

Under the Homeowners Protection Act, a borrower has the right to request PMI cancellation when loan-to-value requirements are met, including through a current appraisal if the property value has increased. The servicer is required to respond to such a request and clearly state the steps required or the reason for denial. CMG has only sent letter stating I do not qualify based on original property value. CMG Financials lack of response to my appraisal request is causing ongoing
and unnecessary PMI charges, resulting in financial harm.

I am requesting that CMG Financial : 1. Immediately review my request for a current property appraisal for PMI cancellation 2. Provide written confirmation of the property appraisal request for PMI review process 3. Order or approve a property appraisal if required I respectfully request CFPB assistance in obtaining a prompt and lawful resolution.

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
This is a follow-up complaint after TD Bank formally denied my written billing dispute despite documentary evidence of an unresolved installment billing error.

I purchased a XXXXXXXX XXXX XXXX financed through a TD Bank retail credit card on a 39-month installment plan. The product arrived defective. XXXX attempted repair, but their technician determined the unit was not repairable. XXXX then offered a replacement or a refund. I chose a refund and returned the merchandise. 

XXXX issued the refund to TD Bank. TD Bank applied the refund as a general account credit instead of reversing the installment transaction. As a result, the installment obligation for the refunded merchandise remained active and continued to be included in my required minimum payment.

Because the installment was not reversed, my minimum monthly payment increased from approximately {$120.00} to {$150.00}, and I continue to be billed monthly for merchandise that was returned and refunded.

I submitted a written billing dispute to TD Bank requesting correction of this error and an explanation. TD Bank responded in writing denying the dispute and stating that the transactions posted correctly, without addressing why the installment obligation was not reversed. TD Bank did not provide documentation or explanation addressing the installment billing error.

At this point, I am requesting that TD Bank reverse and remove the installment charge for the refunded merchandise entirely and correct my minimum monthly payment accordingly. I am not seeking a credit balance or partial adjustmentonly that the refunded purchase be fully wiped from the account so I am no longer billed for merchandise that was returned.

Company response to consumer: Closed with explanation