vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I signed up for auto-draft effective this billing cycle, splitting my monthly payments into 2 halves for the XXXX and the XXXX of each month. Their system offered an option to skip one billing cycle to give the autopay setup to take effect. 

First payment of XXXX went through, with the second scheduled for XX/XX/XXXX. They put my account on arrears status, called me as if I was delinquent, and charged late fees. 

Mortgage servicer is Select Portfolio Servicing. I spoke with an agent, and she apologized and said she cant do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX - Balance {$100.00} Account Name : XXXX  # XXXX  - Date Opened XX/XX/XXXX - Balance {$93.00} Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$270.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TU

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 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/year> I received a letter declining my payment and they have been declining payments ever since. Now they sent a summons for payment. With all the late payments being reported it has ruined my credit report and I cant buy anything because of it. All 3 of my accounts have been closed and im not able to buy a house, not a car nor can I apply for a decent credit cards. I was also awarded a {$15000.00} credit line that they would never allow me to access the full amount. This made me miss out on several business opportunities that wouldve paid 3 times the full balance. Instead I was skipped over because I was unable to purchase the needed tools for the job.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: AK

Complaint narrative:
I emailed a cease and desist, requesting a validation letter. Immediately after sending I received an email, and text message.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Made a payment to PayPal credit on XX/XX/XXXX. Payment was not credited to my account. I was told they calculate payment on the XXXX. and my bill is due on XX/XX/2025. I changed my payment to the XXXX. I informed Pay Credit I was not receiving Email from PayPal and I do not have possession of any credit card from PayPal The payment was sent XX/XX/2025. I received Email on XX/XX/XXXX that my payment had received. Also on the on XXXX I received a phone message that my payment was late.I called and I was told that my payment was late. I asked how iis my payment late when it was not due until XX/XX/2025? Again my payment was not credit to my account another late fee for {$30.00} reversed. I asked for my bill to be sent to me by US mail

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 2025-10-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2025-10-22 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: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: LEXISNEXIS
State: GA

Complaint narrative:
I am submitting a complaint against LexisNexis for continuing to report inaccurate and misleading information on my credit report, in violation of federal law. 

Despite formally disputing the accuracy of a discharged Chapter XXXX bankruptcy ( XXXX XXXX. XXXX ) and related accounts included in that bankruptcy, the credit bureaus have failed to correct or remove this derogatory information. This includes multiple tradelines that remain listed as active derogatory, charged-off, or in collections, even though they were discharged in bankruptcy. 

I also dispute the false assertion that the court reported my bankruptcy. The U.S. Bankruptcy Court does not furnish consumer data to credit bureaus. This misrepresentation violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 1681i ( a ).

The credit bureaus actions have caused emotional distress, reputational damage, and financial harm, including denial of credit and increased interest rates. I have also submitted a Notice of Intent to Arbitrate demanding correction and compensation, which has not been properly addressed.

I am requesting the CFPB to intervene and ensure the removal of all inaccurate items, as well as to hold these bureaus accountable for violations of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting a late payment on my XXXX XXXX account ending in [ last 4 digits ] for XX/XX/year>. I contacted XXXX XXXX directly, and they confirmed that this account has never been reported late and that no payment in XX/XX/year> ( or any other month ) was delinquent. 
Despite this, Experian claims the late payment was verified as accurate. This is factually incorrect, and it raises serious concerns about the accuracy of Experians reinvestigation process. 
Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ) and 1681i ( a ), Experian is required to : Maintain the maximum possible accuracy of consumer information, and Conduct a reasonable reinvestigation when a consumer disputes an item.

Experians reinvestigation appears to have relied on automated or third-party verification instead of obtaining original data from XXXX XXXX, which directly contradicts XXXX Ones records. 
In addition, this reporting violates Metro 2 compliance standards established by the Consumer Data Industry Association ( CDIA ). Metro 2 requires furnishers to report accurate account status fields specifically, the Payment History Profile ( Field 17A ) and Payment Rating ( Field 17B ) which must reflect factual and verifiable account activity. Reporting a late payment when the furnisher confirms there was none is a clear Metro 2 non-compliance 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 explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> ( approx. ) Wells Fargo mailed me a replacement debit card ( last XXXX XXXX ) because my prior card was expiring. I never received that mailed card. 
On XX/XX/year> ( Sunday ) a {$900.00} transaction posted at @ XXXX XXXX  in XXXX XXXX, XXXX, which I did not authorize. Later that same day I received a Wells Fargo text alert about a {$2100.00} transaction. I immediately replied No, and Wells Fargo declined that charge. I called the bank right away to block/close the compromised card. 
On XX/XX/year> ( Monday ) I contacted Wells Fargo Fraud Department and opened a formal fraud case. I also filed : XXXX XXXX Police Department Report # XXXX ( filed XX/XX/year> ) USPS / USPIS Service Request # XXXX reporting suspected mail theft ( USPS/USPIS acknowledged jurisdiction/possible investigation ). 
Wells Fargo issued a {$900.00} provisional credit while investigating. 
On XX/XX/year>, Wells Fargo sent a denial letter stating ( verbatim ) : There were no further card-present transaction attempts after the card was closed. Due to the findings of our investigation, we are unable to honor your claim. As a result, on XX/XX/year> we will deduct the provisional credit of {$900.00} previously provided to you. Please consider your claim closed. 
That denial is factually and legally incorrect : the {$900.00} withdrawal posted before I closed the card on XX/XX/year>. When I spoke with Wells Fargo by phone after receiving the denial, the agent repeated that their reasoning included the fact that the {$900.00} used the same last four digits XXXX, implying I had used the card. That is not proof of authorization replacing an expiring card with the same card number is standard banking practice and does not indicate the cardholder used the card. I never received or activated the mailed/stolen card. 
At the time of filing, the {$900.00} provisional credit remains in my account, but XXXX XXXX denial letter states they intend to reverse it on XX/XX/year>. I promptly reported and blocked the card and filed both police and USPS/USPIS reports, which demonstrates responsible action and supports that the transaction was unauthorized under Regulation E.

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 2025-10-22 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: MS

Complaint narrative:
The credit bureau ( XXXX, Equifax, and XXXX  ) has failed to maintain accurate and verifiable records, has reported false or misleading information, and has ignored my prior dispute and verification requests in direct violation of FCRA 168e ( b ), 1681i, and 1681s-2. These sections clearly require data furnishers and credit reporting agencies to ensure maximum possible accuracy, promptly investigate disputes, and correct or delete any unverifiable or inaccurate information. Your continued noncompliance constitutes willful negligency and reckless disregard for the law.

Let me be perfectly clear - your actions have caused measurable harm, including damage to my creditworthiness, emotional distress, and denial of credit opportunities. I am fully prepared to file suit in state and federal court seeking statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and attorney 's fees under the FCRA and related consumer protection statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: CO

Complaint narrative:
Subject : Citi Credit Card Failure to Properly Investigate and Process Chargeback Dispute What happened : I am filing this complaint against Citi Cards regarding their failure to properly investigate and process a chargeback dispute I submitted for a fraudulent transaction. 
On XX/XX/year>, a charge of {$1800.00} was made to my XXXX XXXX XXXX XXXX XXXX by a merchant listed as XXXX XXXX, XXXXXXXX XXXX I did not receive any services from this merchant, and I have substantial documentationincluding an email from the merchant promising a refund and a detailed call log showing over XXXX attempts to resolve the issue directly with them. 
Despite this, Citi sent me a letter dated XX/XX/year>, stating they could not assist with the chargeback. I later spoke with a Citi representative who confirmed that the Dispute Team had not contacted the merchant or their acquiring bank, nor had they received any documentation from the merchant to justify denying the refund. 
This lack of action contradicts the standard chargeback process, which requires the issuing bank to forward the dispute to the card network and the merchants bank, allowing the merchant to respond with evidence. Citi appears to have failed to follow this process, effectively denying me the protections afforded under the Fair Credit Billing Act ( FCBA ). 
What I want : I am requesting that the CFPB investigate Citis handling of this dispute and require them to : - Provide documentation of any communication with the merchant or their bank. 
- Reopen and properly process the chargeback in accordance with FCBA guidelines.

- Ensure that Citi upholds its responsibility to protect consumers from fraudulent charges. 
I have attached supporting documentation, including the merchants refund email and my call log. 
Thank you for your attention to this matter. 
Sincerely, XXXX 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 monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I was scammed out of {$50.00} on XXXX while trying to buy a concert ticket. The seller, who uses the XXXX username XXXX, posed as a legitimate person and convinced me to send payment via XXXX. I sent {$50.00} to XXXX at ( XXXX ) XXXX through XXXX. After I sent the payment, the seller stopped responding and never delivered the ticket. I contacted Chase immediately to report the transaction as fraud, but they told me they could not refund the money because it was an authorized transfer. However, I was deceived into sending it under false pretenses, which makes this a case of fraud through misrepresentation. I have also filed a report with the Internet Crime Complaint Center ( IC3 ) documenting the scam. Im requesting that Chase review the case again and consider refunding the {$50.00} or providing another resolution, given that this was a clear instance of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT- includes additional qualifying information that Santander XXXX not review in my prior submission. In Santanders own letter, they admitted my income was verified after the loan was funded while I was already in the vehicle. This confirms I qualify for mandatory relief under the XXXX Multistate Settlement Judgment. 

Their prior review only addressed the deficiency waiver section, but the Judgment includes multiple qualifying paths under Paragraphs 1013 and 17 ( dh ) ( Mandatory Relief and Verification Requirements ) that were not considered.

I respectfully request the CFPB ensure Santander fully reviews these sections and applies all mandatory relief provisions tied to funding without verified ability to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
XXXX XX/XX/year> I noticed it was some traction in my back account that they used to buy some XXXX  I call my bank to let they know about and they don't do anything about, my bank is XXXX  XXXX (, cashapp ) some body took almost XXXX XXXX dollars from my account and that costs me a lot of problems, the traction was make it in different day Since XXXX XX/XX/year> and big traction they make on Sunday XX/XX/XXXX amount of XXXX XXXX XXXX so please if can help me, my name. Is XXXX XXXX phone number XXXX thanks so much for your help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: LA

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 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 2025-10-22 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:
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 non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I received a letter stating I owe a debt on car insurance. I don't owe this debt. I told them not to renew. You can't collect a debt when you told them not to renew.

Company response to consumer: Closed with explanation