vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a check from the closing of my land, from a local title company and bank. It was in the amount of XXXX, XX/XX/year>. I asked the teller, and she asked the bank manager, at Wells Fargo, XXXX XXXX XXXX in XXXX, when the funds would be available BEFORE I deposited the check.i had business obligations and was not going to deposit it if there was going to be a long term hold. They said next day. They then sent an alert next day, XX/XX/year>, saying it would be partially dispersed in XXXX payments with the final payment on XX/XX/year>. they can give no definitive reason other than it was computer generated. Ive called the fraud department and also made an appointment at a local branch to get the hold lifted. I was told they were working on it and would call back. They have not made contact back or released my funds. This is costing me everyday. Ive tried to resolve the issue but am told their policy is with large deposits this is the way its done. Therefore the manager knew this before I deposited the check and lied to me. This is fraud.

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 2025-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Rocket Mortgage continues to impose and collect monthly escrow payments despite my written Notice of Error dated XX/XX/year> ( attached ). The XXXX RESPA response window has expired. Proof of continuous coverage under XXXX XXXX ( Policy XXXX ) was provided. Rocket Mortgage has failed to cancel force-placed insurance, refund overlapping premiums, or remove escrow as required under XXXX C.F.R. XXXX ( k ), XXXX ( b ) ( XXXX ), and XXXX ( g ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX CARD # XXXX CAF # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding two inaccurate charge-off accounts reported by XXXX on my credit report. These accounts are entirely unknown to me, and their reporting is causing severe harm to my credit profile, potential denial of credit, and unnecessary stress. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I have the right to accurate credit reporting, and any unverifiable information must be removed immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$6100.00} Date Opened : XX/XX/XXXX * * Charge Off This account has been reported as a charge-off, but I have no record of ever opening, authorizing, or using this account. I have never received statements, notices, or communication regarding this account. The reporting of this account as a charge-off is entirely inaccurate and violates my rights under the FCRA 1681i, which mandates that a consumer reporting agency must ensure the accuracy of reported information. I request that this account be investigated thoroughly and deleted if it can not be fully verified. 
XXXX XXXX XXXX * High Balance : {$5300.00} Date Opened : XXXX XXXX XXXX Charge Off I have no knowledge of this account, and I dispute the validity of this reported debt. At no point did I authorize this account or engage in any financial activity that would create this liability. Its presence on my credit report as a charge-off is a clear violation of my rights under the FCRA 1681s-2 and FDCPA 1692e. I demand an immediate investigation and removal of this account unless verifiable documentation proving my obligation can be provided. 
Due to these inaccurate reports, I have suffered financial harm, reputational damage, and emotional distress. I request that CFPB intervene to ensure these unverifiable accounts are permanently removed from my credit report and that XXXX is held accountable for failing to ensure accuracy in reporting. 
Please confirm receipt of this complaint and provide updates on actions taken. I expect compliance with all timelines as required by the FCRA.

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 2025-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report. Even after your investigation. I would like this item immediately RE-IVESTIGATED. The inaccuracies are highly injurious to my credit score. TransUnion : XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, Please provide the names and business addresses of each individual with whom you verified the account, So that i may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-11-08 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I am submitting this complaint regarding an unresolved billing dispute on a Citibank credit card and the difficulty I have had obtaining any meaningful assistance or follow-up from Citibank. 

Background and timeline On XX/XX/year>, I submitted a property tax payment to the XXXX XXXX XXXX XXXX in the amount of {$2500.00} using my Citibank credit card. This payment was for tax bill number XXXX and posted to my credit card account on XX/XX/year>. 
On XX/XX/year>, a second, duplicate charge for {$2500.00} was processed to the same merchant, the XXXX XXXX XXXX XXXX, again relating to tax bill number XXXX. 
I contacted Citibank and opened a dispute for the XX/XX/XXXX posting of the XX/XX/XXXX transaction as a duplicate. I was told that the XX/XX/XXXX transaction would remain as the valid payment. 
On XX/XX/year>, I received an email from the XXXX XXXX XXXX XXXX stating : XXXX payment was rejected ( you received the NSF letter already ). The other payment was in error queue as unpostable since the bill at that time was already paid and was since returned to sender. Please check with your credit card issuer. 
This email indicates that payments tied to my credit card were rejected or returned and that I should work with Citibank to resolve the issue. 
Despite this information, I later received a delinquency notice stating that tax bill XXXX was unpaid. When I contacted Citibank again, I was told that the XX/XX/XXXX payment was sent to the merchant and had not been returned, but I have not been given clear, written confirmation of the dispute status or an explanation that reconciles Citibanks records with the tax offices records. 
I have made multiple attempts by phone to reach XXXX disputes/claims department and to speak with a supervisor. I have not received a clear explanation, an up-to-date status, or a final written decision on my dispute within a reasonable time frame.

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 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I am a small business merchant ( XXXX XXXX XXXX. XXXX, Virginia ) disputing XXXX XXXX handling of a {$15000.00} chargeback. ( Case XXXX ). 

The transaction involved a custom, made-to-order luxury bracelet produced to the cardholders specifications, governed by a signed contract and Terms of Sale with a clear XXXX production timeline. The piece was completed and ready for shipment with photo proof and FedEx label prepared, but the cardholder filed a XXXX Not Received dispute mid-production. 

Despite full evidence showing completion and readiness, Amex applied Reason Code XXXX and ruled in the cardholders favor. Amexs own XXXX XXXX XXXX explicitly states that custom or special-order goods completed as agreed are not eligible for XXXX Not Received disputes. 

My acquirer ( XXXX  ) confirmed in writing that it can not forward my post-chargeback arbitration request to Amex, leaving me without recourse. I am requesting CFPB assistance to ensure Amex reviews this case under its own published policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Applied Data Finance, LLC
State: AR

Complaint narrative:
About three months ago, I opted out of receiving prescreened credit and loan offers through OptOutPrescreen.com. Despite completing the process and receiving confirmation, several companiesspecifically XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX to send me unsolicited credit and loan offers by mail. 

I have received multiple pieces of mail from each company since my opt-out was confirmed, most recently in [ insert current month ]. I have not applied for any credit products or given permission for my consumer information to be used for marketing purposes. These repeated offers indicate that these companies may not be properly honoring opt-out requests as required under the Fair Credit Reporting Act ( FCRA ).

I have tried to manage the issue directly by reviewing each companys marketing preferences and ensuring I was unsubscribed, but the mailings have persisted. It feels intrusive and frustrating, as the FCRA is meant to protect consumers from this type of unwanted prescreened solicitation once they have opted out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
About three months ago, I opted out of receiving prescreened credit and loan offers through XXXX  Despite completing the process and receiving confirmation, several companiesspecifically Bank of America, XXXX XXXX, and XXXX XXXX to send me unsolicited credit and loan offers by mail. 

I have received multiple pieces of mail from each company since my opt-out was confirmed, most recently in [ insert current month ]. I have not applied for any credit products or given permission for my consumer information to be used for marketing purposes. These repeated offers indicate that these companies may not be properly honoring opt-out requests as required under the Fair Credit Reporting Act ( FCRA ).

I have tried to manage the issue directly by reviewing each companys marketing preferences and ensuring I was unsubscribed, but the mailings have persisted. It feels intrusive and frustrating, as the FCRA is meant to protect consumers from this type of unwanted prescreened solicitation once they have opted out.

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 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HANCOCK WHITNEY BANK
State: TX

Complaint narrative:
XXXX XXXX will not close my checking account. I have called and sent in a letter requesting closure. I have withdrawn all monies ( XXXX XXXX XXXXalance ) and was told they wont close the account. I suspect they are data mining my personal information and want the account closed for my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CITIBANK, SOLD A BULK OF CHARGE-OFF DEBTS TO A THIRD PARTY COLLECTOR ( XXXX XXXX XXXX XXXX XXXX APPARENTLY, MY ACCOUNT WAS DISCOVERED TO BE AMONG SAID DEBTS. I DISPUTED SAID DEBT TO XXXX. THEREAFTER, I REQUESTED PROOF OF OWNERSHIP OF SAID DEBT TO XXXX TO NO AVAIL.AS XXXX HAS REFUSED TO PRODUCE THE FOLLOWING : XXXX ) ORIGINAL CONTRACT BETWEEN THE BORROWER AND INITIAL XXXX ) BORROWER INSURANCE XXXX ) THIRD PARTY BENEFICIARY XXXX ) MASTER PURCHASE AGREEMENT. XXXX, HAS NOT SUBMITTED AND OR GIVEN ME ANYTHING THAT SHOWS THAT THAT THEY HAVE A LEGAL RIGHT TO OWN AND OR COLLECT ON THE ALLEGED DEBT. XXXX, HAS ADMITTED THAT THE " CONTRACT '' AND " XXXX XXXX XXXX '' DOES EXIST IN THIS MATTER. IN A NUTTSHELL, XXXX, IS IN DIRECT CONTEMPT OF THE COURT 'S ORDERS PUBLISHED XXXX XXXX XXXX XXXX XXXX XXXX XXXX ENCORE, ET AL. CASE 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 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: VA

Complaint narrative:
On XX/XX/2025, I attempted to deposit approximately {$300.00} USD equivalent in wrapped Bitcoin ( XXXX ) from another exchange to my virtual currency account on Kraken, selecting their XXXX XXXX XXXX XXXX  ) '' deposit option as shown on the XXXX deposit screen, which indicated a minimum of XXXX XXXX and XXXX processing time. This implied compatibility for XXXX-network wrapped XXXX transfers XXXX a common method. 

The transaction confirmed on the blockchain within 30 seconds, with the funds arriving at the provided Kraken deposit address. However, the deposit was not credited to my account because Kraken does not support cbBTC, only their proprietary XXXX token. The screen 's labeling and buried warning about " only XXXX '' were ambiguous and did not prevent the good-faith error. 

I contacted Kraken support immediately on XX/XX/XXXX via ticket, providing transaction details and requesting recovery. Representatives ( initially XXXX, then XXXX XXXX responded on XXXX XXXX, confirming the funds were received but uncredited due to security policies preventing access to private keys. They denied recovery or escalation, despite my repeated requests ( 4+ times ) for supervisor review, fund location details, and a phone discussion. On XXXX XXXX the other exchange 's support confirmed Kraken could technically recover the assets, as they control the address. 

Kraken 's own recovery policy covers " unsupported tokens on supported networks '' ( like cbBTC on XXXX ) for a {$200.00} fee with refund, but support ignored this. I sent an escalation letter on XX/XX/XXXX and filed their formal complaint on XX/XX/XXXX, with no further response yet. 

I request Kraken credit the equivalent ~ {$300.00} USD value as goodwill ( waiving the fee due to UI confusion ), confirm internal recovery, and update deposit labeling for clarity.

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 2025-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX writing to dispute the accuracy of this account being reported on my credit file. I recently received XXXX refund checks from this company connected to this same account. Because of that, it does not make sense for this account to still show a balance owed or be listed as negative. 

This reporting is inaccurate, and I dont understand how I could owe any amount when the company themselves issued refund checks to me. The balance and status shown are not correct and do not reflect the true state of the account. 

XXXX requesting a full review and deletion of this account from my credit report due to the inaccurate information and conflicting financial records. Please confirm once this account has been removed. 

Thank you for your time and quick attention to fix this issue.

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 2025-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX, SOLD A BULK OF CHARGE-OFF DEBTS TO A THIRD PARTY COLLECTOR ( MIDLAND CREDIT MANAGEMENT XXXX XXXX APPARENTLY, MY ACCOUNT WAS DISCOVERED TO BE AMONG SAID DEBTS. I DISPUTED SAID DEBT TO MIDLAND. THEREAFTER, I REQUESTED PROOF OF OWNERSHIP OF SAID DEBT TO MIDLAND TO NO AVAIL.AS MIDLAND HAS REFUSED TO PRODUCE THE FOLLOWING : 1 ) ORIGINAL CONTRACT BETWEEN THE BORROWER AND INITIAL CREDITOR,2 ) BORROWER INSURANCE DOCUMENT,3 ) THIRD PARTY BENEFICIARY CONTRACT,4 ) MASTER PURCHASE AGREEMENT. MIDLAND, HAS NOT SUBMITTED AND OR GIVEN ME ANYTHING THAT SHOWS THAT THAT THEY HAVE A LEGAL RIGHT TO OWN AND OR COLLECT ON THE ALLEGED DEBT. MIDLAND, HAS ADMITTED THAT THE " CONTRACT '' AND " MASTER PURCHASE AGREEMENT '' DOES EXIST IN THIS MATTER. IN A NUTTSHELL, MIDLAND, IS IN DIRECT CONTEMPT OF THE COURT 'S ORDERS PUBLISHED @ BUREAU OF CONSUMER FINANCIAL PROTECTION VXXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX SSN ( last 4 ) : XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX Subject : Dispute of Unverified Third-Party Collection Accounts/ Request for Deletion Dear Equifax Compliance Department , I am submitting this notice to dispute and request removal of the following collection accounts from my XXXX credit file : Automated Collections Account # XXXX XXXX XXXX XXXX Account # XXXX These accounts were reported to my consumer report without proper notice or validation, which is required prior to furnishing under Regulation F ( CFPB, effective XX/XX/XXXX ) and FDCPA 1006.30 ( a ) regarding restrictions on credit reporting of unverified debt. 
Additionally, under 15 U.S.C. 1692c ( c ), I am exercising my right to request that all communication and collection activity regarding these alleged debts cease.

Under FCRA 1681s-2, a furnisher may not report information that is inaccurate or can not be verified. Since these accounts were not validated prior to reporting, they are unverified and must not continue to be reported. 

Requested Resolution Delete both collection accounts from my XXXX consumer file. 


Provide an updated copy of my credit report confirming their deletion. 


I am requesting this correction to ensure the accuracy and fairness of my consumer credit report. I am seeking a resolution without escalation or litigation. 
Thank you for your time and attention. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Credit Acceptance reposessed my vehicle without providing me a required notice of default or right to cure. This violates my states consumer protection laws. After repossession, I was never given a notice of sale or deficiency balance notice, which is required under UCC 9-611 and 9-614. This failure prevented me from being able to redeem my vehicle back in good standing. I also was unable to understand the amount allegedly owed. The account is being reported to the credit bureaus inaccurately violating the Fair Credit Reporting Act. I am demanding a full investigation and the immediate removal of this account from all credit reports due to the violations and unlawful procedures.

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 2025-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I made all minimum payments on all my credit cards. I paid {$100000.00} in credit card payments. All credit cards got way more than i owed with minimum payments, large payments and interest accumulated amounts. This is proved by their own received payments and total interest paid.

Company response to consumer: Closed with explanation