vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WV

Complaint narrative:
On XXXX I booked a hotel room at XXXX XXXX  at XXXX XXXX  through cash app for the total of {$470.00}, The room I was provided was infested with roaches that was biting my and my children and mice running around which they were aware of. The hotel refused a refund, I contact cash app to file a dispute, the dispute went in review and than closed the next that without proper investigation being done and no written statement of proof on how the investigation was completed. 

I used Cash App to pay for a hotel stay that turned out to be unsanitary and unsafe. The room was infested with roaches and mice, and the hotel failed to honor basic cleanliness or provide a habitable room. 

I contacted the hotel immediately and requested a refund, but they refused. I then filed a dispute with Cash App and provided photos, proof of infestation, and communication with the hotel. Despite the clear evidence, Cash App denied my dispute and refused to return my money. 

I believe Cash App failed to conduct a fair investigation under the Electronic Fund Transfer Act ( EFTA ) and its implementing regulation ( Regulation E ). I am requesting a full refund of my transaction and an internal review of how my dispute was handled.

Further more details/pictures was provided to cash app XXXX Also spoken with multiple customer service representatives latest one being XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
I am filing this complaint because [ XXXX  / Equifax XXXX XXXX  ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXXXXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collections Acquisition Company, Inc.
State: LA

Complaint narrative:
CYBERCOLLECT says that I had a returned check to the Post Office, but this is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: LA

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

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 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
In XX/XX/year> I was homeless In XXXX XXXX when I was XXXX  and robbed for my personal items like XXXX card, I'd, XXXX, and phone which was con excited and signed into my XXXX account, Paypal and XXXX XXXX. From XX/XX/year> to XX/XX/year> my ex husband sent me money for the COVID relief fund but the people who had my phone were pretending to be me and received the funds and transfered it to made up accounts to look like my family members. I have the emails and the records and the response that Paypal has given me. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PREFERRED CREDIT INC
State: CA

Complaint narrative:
Preferred Credit , Inc. is reporting an account on my credit file that does not belong to me. This account was opened with my ex-spouse, and I was not a party to or a signer on the contract. I have repeatedly requested that Preferred Credit provide me with a copy of the original signed contract or documentation showing that I am legally responsible for the account, but they have failed to do so.

Because they can not verify my liability or provide any signed agreement, this account is being reported inaccurately and without a permissible purpose under the Fair Credit Reporting Act ( FCRA ). This is causing ongoing damage to my credit profile and misrepresents my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-28 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: NJ

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-10-28 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
In late XX/XX/year>, while purchasing airline tickets directly on XXXX XXXX website, I saw a promotion offering XXXX bonus miles and a {$200.00} statement credit for new applicants of the XXXX XXXX XXXX XXXXXXXX. The site displayed the {$200.00} statement credit deducted from the ticket total and encouraged applying to receive the discount. I applied through that link, was approved, and completed my trip. 

After returning and receiving my new card in the mail, I called Barclays ( the card issuer ) to ask how to receive the {$200.00} statement credit, since the physical card was required for use. I was transferred between Barclays and XXXX XXXX multiple times, with agents from both sides telling me that no such {$200.00} statement credit offer existed, only a XXXX bonus offer. 

On XX/XX/year>, I called again and was told by a representative that I would need to make a purchase to trigger the {$200.00} statement credit. I followed those instructions and made a purchase of approximately {$40.00}, then waited for my next statement cycle to see if the credit appeared. When it did not, I called back again on XX/XX/year>. 

During that call, I spoke with a Barclays manager named XXXX, who acknowledged that this is a known issue affecting multiple customers and instructed me to upload proof of the promotion through the XXXX XXXX, which I did ( a screenshot of the offer ). 

After hearing nothing back, I called again on XX/XX/year>. Another representative incorrectly claimed I needed to spend {$1000.00} for the XXXX bonus miles and stated again there was no {$200.00} statement credit offer. When I requested escalation, the next manager also dismissed the issue and refused to review the uploaded proof of the promotion. I was told to wait for a senior manager callback, but I was informed the response would be the same. 

This issue remains unresolved. The {$200.00} statement credit and XXXX promotion were clearly advertised on XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and are reportedly still being shown to new applicants, yet Barclays continues to deny the offer. Im seeking fulfillment of the {$200.00} statement credit that was part of the promotion through which I applied.

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 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I filed a prior complaint with the CFPB about my XXXX  account, but XXXX  responded with information for a completely different person named XXXX XXXX. The email they referenced is correct and belongs to me ( XXXX ), but I am not XXXX XXXX. My name is XXXX XXXX. 

This means XXXX  has either incorrectly linked my personal email to another persons account or released another customers account information to me by mistake. This is a serious error. I have tried multiple times to open and use a XXXX account under my own name, but each time XXXX either freezes or closes the account saying they can not verify my identity. 

I am requesting that XXXX  : 1. Correct this data error and remove any association between my email and another persons account ; 2. Verify my identity correctly under my actual name ( XXXX XXXX XXXX ; and 3. Allow me to open or use my own XXXX  account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-10-28 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: FL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Consumer Information : Name : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, NC XXXX Phone : XXXX Email : XXXX SSN : XXXX Date of Birth : XX/XX/XXXXXXXX  Type of Complaint : Problem opening a bank account due to inaccurate/identity theft-related information reported by Wells Fargo to XXXX XXXX XXXX 
Description of the Issue : I am submitting this complaint regarding inaccurate and fraudulent account information that has been reported to XXXX XXXX XXXX, which is preventing me from opening a bank account. I have never opened or authorized the accounts listed below, and I have not received any prior notification from the banks regarding these alleged issues. 
Disputed Accounts : 1. Wells Fargo o Routing # : XXXX, Account # : XXXX o Reported as : Account Abuse on XX/XX/XXXX o Routing # : XXXX, Account # : XXXX o Reported as : Overdrawn/Closed for Cause on XX/XX/XXXXXXXX  o Issue : I have no knowledge of these accounts, have never authorized their opening, and believe they are a result of identity fraud. I request a full reinvestigation, documentation proving that I personally opened or authorized these accounts, and deletion of all inaccurate or fraudulent information from XXXX XXXX XXXX and any other reporting agencies if verification can not be established. 

Additional Information : I have only ever lived at my current address, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, NC XXXX. Any other addresses appearing on my file are inaccurate. 

Requested Action : Remove all inaccurate or fraudulent information reported to XXXX XXXX XXXX and any other consumer reporting agencies. 

Provide written confirmation of the results of these investigations. 


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 explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: WV

Complaint narrative:
I had fraud on my acct and was told a credit roll be giving with 10 business day. I seen where one rep was able to do immediate and told me they will forward the information I have been told this three time now, needing my money, and they are lying and just apologizing.. I am getting no where with the chat / customer service reps

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Fees or costs after closing
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Deutsche Bank National Trust Company, as Trustee for XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX Deutsche Bank National Trust Company as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX ( foreclosure counsel ) XXXX XXXX XXXX name as it appears on your filings ( e.g., XXXX, XXXX & XXXX, XXXX ) foreclosure XXXX XXXX, XXXX XXXX XXXX, XXXX & XXXX, XXXX ( XXXX ) foreclosure counsel XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX ( bankrupt originator ) Any MERS signatory used on the assignments ( if applicable ) Your info : Borrower : XXXX XXXX home owner XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trial-court XXXX : XXXX and XXXX ( XXXX XXXX XXXX ) XXXX : Third XXXX Case No. XXXX 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 explanation
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-28 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: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-28 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: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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