vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I was in XXXX XXXX at the end of XXXX and used an electronic toll. A week later I got a message telling me to pay the toll fee, so I clicked on it and paid it with XXXX Bank of America card. I texted my mom ( whose home address is the residence of the car l was driving ) to ask if she had received something in the mail about the toll. She told me she had and it was different from the message I was sent, so we realized it was a scam. I canceled and locked my card immediately and no charges happened. Randomly a month later I started getting nonstop charges for {$49.00} at targets from across the XXXX, thousands of dollars in total. I submitted a fraud claim, got a new card and for a little while nothing happened. Weeks later once again {$49.00} from XXXX was charged to my card, I called to ask what I could do and changed my password, upped security, removed my cards from suspicious websites, and blocked XXXX on my card. Recently, it happened once again but with stores that were not XXXX still {$49.00}, I submitted a fraud claim again and they did not approve it because they say I approved the charges. Specifically they said, " your pin was used, the chip on your card was read, or you signed for the merchandise. '' This is physically impossible because, it is a credit card so there is no PIN and the charges were occurring simultaneously across the XXXX while I was in XXXX. How could I possibly be using the same card in different states at the same time? I have proof that I was in XXXX and that I was actively using this card in XXXX XXXX bank statements and XXXX XXXX  I did not approve these charges and can not afford to pay them thousands of dollars, this is clearly a fraud scam and someone has my information and Bank of America is falsely claiming I approved these charges.

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 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX received message by cash app account that my account had been closed for gambling called cash app support to appeal because I don't gamble was told their team will have to investigate asked to be transferred to that team was told they would only email, process could take XXXX business days to 30 days. I have been waiting and received an email today XX/XX/XXXX that my case had been closed and I have never gotten email or even anything that proved I was gambling, called customer support again and they have opened another case but still can't provide anything that proved I was gambling and given same run around and was even hung up on by XXXX support reps with no help to me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My goal was/is to pay down 2/3 of mtg loan held by Mr. Cooper. My 2/3 's pay down is in the amount of $ XXXX. 

XXXX I called Mr Cooper ( from here on out I reference Mr. Cooper as MC ) phone number on monthly statement. I FINALLY talked to a real person, XXXX. She said NO processing fee because my residence and loan is is CA. I just needed to fill out a re-casting Form. 

Received form in email account. 

XXXX I USPS mailed back RECAST REQUEST, as instructed and also emailed information back. XXXX said to allow up to XXXX - 60 days to be received and processed then I would hear back. 

XXXX I had not heard back yet. I called again and FINALLY SPOKE to a real person named XXXX. She did not know where information was. Could not confirm RECAST form was received. Said I could just send a check in the mail. I questioned that due to the large amount being sent. I wanted to secure funds with wiring funds to MC to my Loan account number. She never knew answers to my questions and kept putting me on hold to get rudimentary answers. She kept on asking someone else about how to wire funds. 

She gave me a wiring account name and account number out of New York. 

I took this information to my Trust Account Advisors and they said all wiring instructions MUST come from them, to be generated by MC to them ( my Trust Advisors earmarked from my account ). MC would not do that. 

My trust advisers as XXXX XXXX said they CAN NOT wire out money without specific instructions from receiver. 

Trust Advisors at XXXX XXXX could NOT get any human person on the phone to arrange this after 5 days of attempts. 

From XXXX to XXXX I tried to contact MC to resolve and get them to pay down my loan with my funds. They would NEVER talk to me. I was always sent to voice mail XXXX or sent to auto bot chat with NO resolution. 

XXXX with advice of XXXX XXXX XXXX services they suggested I could make a larger than normal monthly payment. 

My normal payment to date is {$2100.00}. 

XXXX I attempted to make 1 electronic XXXX XXXX o $ XXXX to my loan with MC. XXXX Bank authorized payment verbally, on the phone w/ me to allow this large amount to be debited from my checking account and go through to MC. 

XXXX I checked to see if balance of my loan was reduced. It was not. 

XXXX I again went back to XXXX XXXX XXXX XXXX for help. After an hour of attempting to help he finally discovered the funds were received by MC.... then returned back to my Chase checking account because there was NO APPROVAL on my MC loan to received a pay down. I am only allowed to make my standard contracted monthly payment.

I NEED TO PAY DOWN MY LOAN to have a smaller monthly payment ASAP.

This is my story and I am very concerned having no cooperation with MC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: MD

Complaint narrative:
I am disputing an unauthorized charge made to my Cash App Card ending in XXXX by a restaurant named XXXX XXXX ( formerly XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), located at XXXX XXXX XXXX XXXX, XXXX, MD. 

On XX/XX/2025, I dined at the restaurant and paid my portion of the bill {$62.00} via my Cash App Card. That transaction was completed and authorized. However, on XX/XX/2025, my card was charged again this time for {$120.00}, which included the portion that another guest was supposed to pay. Their payment had apparently declined, and the restaurant unilaterally charged my card without my consent or authorization.

At no time did I approve the additional charge. I was not contacted, asked, or informed prior to the change. This is an unauthorized transaction under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and constitutes credit card fraud. 

I went in person to the restaurant on XX/XX/2025, around XXXX XXXX  to resolve the matter respectfully. Unfortunately, I was met with unprofessional and hostile behavior by the manager on duty a XXXX XXXX with XXXXXXXX XXXX XXXX who became verbally aggressive and yelled at me in front of staff and guests. I felt physically unsafe and intimidated. The door hostess later apologized for his behavior, acknowledging it was unacceptable. Another staff member, XXXX XXXX, was also dismissive and told me to call the police rather than offering help. 

I have already submitted a formal dispute to Cash App, but I am filing this complaint because the charge was unauthorized, the experience in-person was hostile, and the business committed credit card fraud by charging me for another persons payment without my permission. 

I am requesting an immediate reversal of the unauthorized portion of the charge ( {$62.00} ) and a full investigation into this merchants billing & sanitation practices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RS Clark and Associates, Inc.
State: GA

Complaint narrative:
I paid for the last three months of appliance rentals from XXXX XXXX while renting the appliances with them. But the appliances were faulty from the beginning of the year. I contacted their customer service several times, but they were unresponsive and unhelpful. Each time, I had to wait nearly three weeks for repairs, leaving me without a functioning washer and dryer and having to rely on others to do basic laundry. 

Given the companys lack of support and repeated delays, I decided to dispute the charges with my bank. On XX/XX/XXXX, my bank closed the dispute in my favor and returned the funds to me. 

On XX/XX/XXXX, I mailed a written dispute letter to RS Clark & Associates, including proof that the charges had been paid and were not valid. I have not received any response. Despite this, they reported the debt to TransUnion on XX/XX/XXXX nearly a month after I submitted my dispute which directly violates the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g ( b ), which prohibits reporting a disputed debt to credit bureaus without first providing validation.

This has caused significant emotional distress, as Ive been forced to monitor my credit closely, spend time contacting agencies, and experience the stress of seeing a false collection on my report. This has affected my credit score and could impact my ability to secure housing or financing. The continued reporting of a resolved and invalid debt is unacceptable and unlawful.

I am requesting the immediate removal of this collection account from my credit reports across all bureaus, and that this matter be investigated as a violation of consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have recently checked my credit report and discovered there are accounts reporting that are unknown/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 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc.
State: CA

Complaint narrative:
I have purchased {$1700.00} worth of bitcoins from XXXX by my XXXX  XXXX XXXX business acc. I have sent the bitcoins from my personal XXXX wallet to my personal Blockchain.com wallet. When I was trying to send out bitcoins from Blochchain.com wallet transaction remained pending and message saying my funds are under custodial review. It is pending since XX/XX/year>. They haven't request any information from me, don't respond on my messages and dropping off the chat conversation. They don't give me any estimate time of processing. For my side they purely stolen my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: PA

Complaint narrative:
American Education services has refused to update the inaccurate past due balance that American Education services has reported to credit agencies. My credit report reflects that I have a past due balance with American Education services of {$130.00} ; however, this is incorrect as I do not CURRENTLY have a past due balance. This incorrect and outdated adverse information is negatively impacting my credit score and has decreased my points. I attempted to dispute the inaccuracy with XXXX  but American Education Services has continued to refuse to update the XXXX inaccuracy and has not reported the update past due balance of {$0.00} to credit agencies per my dispute request. I have provided proof that my next payment is not due until XX/XX/year> and that I do not currently have a past due balance. Thus, American Education Services needs to report to credit agencies that I do not have a past due balance currently and needs to do so IMMEDIATELY so that my credit score may regain the points I lost because of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: DC

Complaint narrative:
There are fraudulent collections on my credit report from XXXX XXXX XXXX. However, I do not have any rental collections on my credit. This is not my debt. I didnt have any agreement with this company. I am a victim of identity theft and have an Identity Theft Report and police report that I can provide to support this. Please see attached the documents. I request to remove these collections from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Just reporting old and wrong stuff on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: CO

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Final Notice Deletion Required Due to Lack of Verification and Validation To Whom It May Concern, This letter serves as a final follow-up regarding my previous disputes. You have failed to provide the method of verification and continue to report inaccurate information, in violation of the Fair Credit Reporting Act ( FCRA ).

The following accounts remain disputed : 1. XXXX XXXX XXXX  XXXX Account XXXX XXXX 2. XXXX XXXX XXXX  Account XXXX XXXX 3. XXXXXXXX XXXX  Account # XXXX 4. XXXX XXXX XXXX Account # XXXX 5. XXXX XXXX XXXX Account # XXXX ________________________________________ Failure to Verify and Validate Mandatory Deletion 1. Collections ( XXXX XXXX XXXX XXXX XXXX XXXX ) o Violation : 15 U.S.C. 1681s-2 and 15 U.S.C. 1692g o These companies have not validated these alleged debts. Since Experian can not verify these accounts, they must be deleted immediately per 15 U.S.C. 1681i ( a ) ( 5 ).

2. No Method of Verification Provided o Violation : 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) * * o You have failed to provide documentation on how you verified the accounts. Marking an account verified without proof is a violation of federal law.

3. Inaccurate Reporting XXXX XXXX XXXX Violations o Over 100 % utilization reported on XXXX XXXX XXXX  and XXXX XXXX is mathematically inconsistent. 
o XXXX and XXXX XXXX XXXX  late payment history is incorrect. 
________________________________________ Demand for Deletion Under 15 U.S.C. 1681i ( a ) ( 5 ) : If an item of information is found to be inaccurate or can not be verified, the credit reporting agency shall promptly delete that item of information from the file of the consumer.

Since Experian and the furnishers have failed to validate or verify these accounts, you are required by law to delete them immediately.

________________________________________ Required Action You have 15 days from receipt of this letter to : 1. Delete the above accounts from my credit report.

2. Provide a written statement of deletion and a corrected copy of my credit report.

Failure to comply will result in : A formal complaint filed with the CFPB, FTC, and State Attorney General.

Potential legal action for willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o.

________________________________________

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 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: OH

Complaint narrative:
I signed up for a Netspend debit account on XX/XX/XXXX. When I signed up, Netspend was running a promotional offer ( see attachments ), where a {$200.00} bonus would be deposited into my account within XXXX business days after ( a ) activating my debit card and ( b ) sending a direct deposit of at least {$400.00} to the account. I fulfilled both terms, activating my debit card on XX/XX/XXXX ( see screenshot ) and directing {$400.00} of my paycheck to my Netspend account ( see screenshot ), and then waited the requisite 5 business days. When the waiting period finished and no bonus appeared, I reached out to customer service. I was instructed to email screenshots of the initial offer and terms, which I did. Since then, I was asked to provide details of the transaction I would like to dispute ( as if I had been mischarged by a merchant ), and have also been asked to provide a screenshot of the offer, without any acknowledgement that I had already done so. At this point, I feel like I am getting the run-around, and would like additional help.

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 2025-08-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
THIS ACCOUNT DOES NOT BELONG TO ME AS I HAVE PREVIOUS STATED IN DISPUTES. I AM AN VICTIM OF IDENTITY THEFT. CREDITORS ARE ALLOWING THEIEVES TO OPEN ACCOUNTS WITH MY SOCIAL security NUMBER, NAME, DOB, WITHOUT verifying IDENTITY. 
TD AUTO FINANCE Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$20.00}, XXXX written off. {$22.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$22000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$90000.00} Highest balance - Terms 73 Months On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: MI

Complaint narrative:
I was trying to buy a house and I realized that I had damages on my credit report under 15usc1681 law there shouldn't be any damages on my credit report this is a deformation of character

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was doing my credit report and they informed me that my SSN was on the dark web

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing a closed credit card account from XXXX showing XXXX charge-off with a balance of {$1600.00}. The account was closed on XX/XX/year> after being XXXX days late. It is marked as a profit and loss write-off and shows dispute resolved reported by grantor. 

Despite the account being closed, it is still reporting a balance and derogatory information that I believe to be inaccurate or incomplete. I have previously disputed this account with the credit bureaus, and the creditor has not provided adequate documentation or correction. 

This is impacting my credit and appears to be a violation of the Fair Credit Reporting Act ( FCRA ) and/or Fair Debt Collection Practices Act ( FDCPA ). I request an investigation into this matter. 

have all XXXX credit bureaus correct or remove it, Ill create XXXX tailored CFPB complaint dispute letters XXXX for XXXX TransUnion, and XXXX all directed at resolving the inaccurate reporting of this charged-off account. 


have all XXXX credit bureaus correct or remove it, Ill create XXXX tailored CFPB complaint dispute letters XXXX for XXXX TransUnion, and XXXX  all directed at resolving the inaccurate reporting of this charged-off 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 2025-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I am a customer of TD Bank, and my XXXX access was removed. I contacted TD Bank and was informed that there are no negative notes or flags on my profile, but they stated the restriction can not be lifted without a clear reason. I rely on XXXX for personal and business payments, and the decision has caused serious disruption. I asked for a review or escalation, but was denied. I am requesting the CFPB assist in obtaining a clear explanation and reinstatement of my access if there is no wrong doing on my account. 

Company Name : TD Bank Account Type : Checking

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have no knowledge or consent to the fraudulent accounts and hard inquiries. Also XXXX, Experian and XXXX are reporting medical bills with my personal information and the account is a result of identity theft. XXXXXXXX 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 non-monetary relief