vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing a debt that is being reported in collections on my credit report. This debt does not belong to me. I have already contacted the company and the credit bureaus, but the account is still being reported inaccurately. 

The presence of this collection account is the result of either identity theft or reporting error. I never opened, authorized, or was responsible for this account. Despite my previous disputes, the account continues to appear on my credit report, causing harm to my creditworthiness and financial stability. 

I request that this debt be thoroughly investigated and removed from my credit report immediately in accordance with the Fair Credit Reporting Act ( FCRA ), as it can not be verified as accurate or legitimately mine. 

Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
Date of issue XX/XX/year> An unauthorized transaction for the amount of {$700.00} was observed after discovering i could not find my card. Immediately I transfered my remaining funds because I did not know what is happening and tried to save my remaining money. I then proceeded to lock my debit card via online banking. With the type of work I do I was not able to call the bank at the moment but I knew that no more damage could be done because I transfered my funds and also locked my card, i also know that i would have to wait for charges to be posted befor i can file a dispute. The following day I called in to dispute the charge. I only recievd my card on the very same day and just activated it so I could not believe somthing like this could happen to me. I am not sure if the card was lost or stolen out my backpack after I activated it. After some days I called the bank again for an update and was told by the rep that my dispute was denied because " no error was envolved ''. I know that I am supposed to have protection on my funds if anything like this were to ever happen so this reason is absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau Complaint Against XXXX and Calvary Portfolio Services Account XXXX to whom it may Concern, i am submitting this complaint regarding a collection account being reported and pursued by Calvary Portfolio Services in connection with an alleged account originally from XXXX. 

Details of Complaint : Original Creditor : XXXX XXXX Company : Calvary Portfolio Services Account XXXX ; XXXX Disputed Issues 1. I do not have a singed contract or direct agreement with Calvary Portfolio Services.

2. The amount they are attempting to collect is inaccurate and does not reflect the true balance. 

Under the Fair Dept Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) i have the right to request verification of the debt, including a copy of the original signed contract and an accurate breakdown of the balance. Despite my concerns, this has not been provided. 

I respectfully request that the CFPB investigate this matter, ensure that my consumer rights are upheld, and require that Calvary Portfolio Services provide full validation of the debt. if they can not prove the accuracy or legitimacy of this debt, i request that it be removed from my credit file and that all collection activity cease. 
Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing the accuracy of a collection account that appears on my credit report. Below are the details as they appear : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Balance : {$6900.00} Date Opened : XX/XX/year> Date Reported : XX/XX/year> I believe this entry contains inaccurate or incomplete information for the following reasons : 1. The Date Opened appears inconsistent with the original delinquency, suggesting possible re-aging of the debt.

2. The reporting lists XXXX XXXX XXXX XXXX as both the collector and the original creditor, which does not provide clear and accurate information about the true original creditor.

3. The balance of {$6900.00} may include unverified fees or charges not permitted under the original agreement. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this account. If the furnisher of this information can not provide proper verification, this account must be removed from my credit report. 

Please provide me with the results of your investigation in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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:
I am a victim of XXXX, and the information listed below on my credit report is a result of that 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 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 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
Im behind on my mortgage at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. In XX/XX/2025 I was ready to bring the account current but when I went to the online portal the system wont allow me to make payment. Ive emailed The mortgage company, Faye Servicing, asking for access to make the payment. The only reply Ive received is generic. Now the mortgage is further behind and theyve levied more late fees during the time Ive been unable to use the pay portal. Attached in the link are my emails to Faye, their response and a screenshot showing the portal refusing my Payment. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Debt was the result of identity theft please block this item from my Credit report per FRCA section 605B

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 2025-09-06 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Made a reservation for a car rental through CITI travel abroad. After I picked up the car ( I specifically asked whether I owe anything besided what I already paid ) charges appeared on my statment for over {$600.00} and over {$300.00}. I returned the car a day later ( way before the end of the 20 day period ) Asked the company to refund my money. They refused. CITI after XXXX disputes could not obtain any proof for those charges, but said that they can not do anything and made me pay. I closed my account immediately and they kept charging me interest.

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 2025-09-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
Dear CFPB : I am filing this complaint against Jefferson Capital Systems for systematic FCRA violations involving fragmented debt reporting and severe cross-bureau inconsistencies. 
CONSUMER HARM : Jefferson Capital Systems has : Created multiple conflicting credit entries for the same debt Reported drastically different payment histories across bureaus Failed to maintain consistent account information Potentially inflated my debt burden through duplicate/fragmented reporting SYSTEMATIC FCRA VIOLATIONS : XXXX. XXXX Account XXXX XXXX XXXX XXXX debt reported as : TransUnion : JEFFCAPSYS # 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 XXXX  Different entity names and account details for identical debt XXXX. Contradictory Date Reporting Date of Last Activity : XXXX XXXX XXXXXX/XX/XXXX ( impossible future date ) XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Span of XXXX years for same account activity XXXX. Payment History Manipulation XXXX Day Late Payments : XXXX XXXX XXXX times reported XXXX XXXX 0 times reported Same debt can not have different payment histories XXXX. Account Status Conflicts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' REGULATORY CONCERNS : Debt Multiplication : Same debt appears to be reported multiple times with different details Consumer Confusion : Contradictory information makes it impossible to verify debt accuracy Credit Score Manipulation : Different payment histories artificially inflate negative impact Industry Pattern : This fragmented reporting likely affects many consumers Unsolicited Text messages : This company text me without permission or telling me who they were. I have attached the text.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/year> I was paid by both of my employers, about XXXX am I got a text message saying my account was under {$50.00} dollars. I contacted chase and let them know that someone went into my account and XXXX XXXX out of one account and {$500.00} out of another one. They told me they would give me a credit why they investigate. Ingot a letter saying I was not getting my money back. My phone was hacked and then I someone called the bank and reverse charges on my account and got enough money to zelle XXXX dollars they are not helping me. I have a house mortgage to pay and a car note. I hade to putmy car insurance on a credit card they said something about the address match this is fraud I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Contacted the debt collector asked for debt validation never received

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I pulled my credit report and noticed someone used my identity to get a vehicle and open other accounts in my name. I'm only XXXX and haven't had a chance to generate credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: NJ

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: FourLeaf Federal Credit Union
State: CA

Complaint narrative:
I opened a HELOC with Four Leaf Federal Credit Union ( formerly XXXX ). Without my authorization, the lender advanced {$25000.00} into my account. That money has sat untouched in savings I never withdrew or benefited from it yet they began deducting interest monthly. 
On XX/XX/XXXX, they stopped auto-deducting interest without my knowledge. I have made every effort since then to pay what I owe properly. However, I have been repeatedly misled or ignored : I was given a payoff letter instead of a pay-down letter, with no instructions on how to apply funds. 
My appointment on XX/XX/XXXX was missed, with no call back. 
On XX/XX/XXXX, I received an email from my loan officer ( XXXX XXXX stating that a representative was reaching out to me right now. No one ever contacted me, nor did she cc the person as I specifically requested. 
On multiple occasions prior to this, I called their customer service line and requested assistance, but my calls were never returned. This is part of an ongoing pattern of neglect and lack of responsiveness.

Despite repeated requests, I still have not received ( 1 ) correct pay-down instructions, ( 2 ) confirmation of how to apply the {$23000.00} still in savings directly to my HELOC, or ( 3 ) a copy of the specific signed page ( if it exists ) showing I agreed to the {$25000.00} advance. 
I am not disputing my obligation to pay legitimate interest I intend to pay by the XX/XX/XXXX deadline. But I dispute being charged interest on funds I never used, and I dispute the companys failure to provide accurate documentation and instructions despite multiple good-faith attempts on my part. 
I am requesting a refund of the improperly charged interest, correction of their records, and proper documentation/instructions to resolve this loan.

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 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I pulled my credit report and noticed there were items on my credit report that I didn't authorize such as money lion

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation