vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Perpay, Inc.
State: CT

Complaint narrative:
Summary : Perpay is refusing to activate my approved credit card account or provide digital access despite its own advertising promising availability after direct deposit setup. Their public statement reads : You receive your Perpay credit card after you apply and set up a direct deposit from your paycheck to your Perpay account. Once Perpay receives your first direct deposit, the card is shipped to your address and typically arrives within 5 to 15 business days.

This language reasonably leads customers to understand that account activation occurs after setup of direct deposit, with the physical card mailed once a full deposit is received.

Timeline of events : I was approved and attempted to set up direct deposit through Perpay. Their system failed to connect, so I manually added Perpays routing/account information in my payroll platform ( XXXX ). 
My paycheck posted on XX/XX/year>, and the prenote verification confirming direct deposit setup was transmitted to Perpay.

Despite this, my Perpay account remains completely locked : no digital card access, no pending physical card.

I opened a support ticket and received no response for three days.

After calling multiple times, I was instructed to email a screenshot confirming the prenote, which only created a second ticket.

I was promised a supervisor call at 1 p.m. that never occurred.

On my next call I finally reached a supervisor, who stated the account will remain inactive until Perpay receives a full direct deposit payment a requirement not disclosed anywhere in their advertising or customer materials.

When I attempted to find a resolution one more time, the agent on the phone at XXXX EST stated she would submit for a formal review to be conducted on my account without having verified my identity. This agent terminated the call when asked to escalate it to the appropriate department after my pointing out that she had not verified my information so she has no idea who she was speaking to at that time.

Problem : This constitutes misleading or incomplete disclosure of account activation terms. The account currently has a XXXX balance, yet Perpay is requiring a full direct deposit payment before allowing me to use the credit they approved.

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

Complaint narrative:
XXXXXXXX XXXX XX/XX/XXXX Midland Funding XX/XX/XXXX & XX/XX/XXXX XXXX I dont recognize there companies I'm XXXX live in XXXX XXXX Iowa these were filed in XXXX XXXX when i stayed there with my son i first moved to Iowa XXXX XXXX from NJ and these i assume are old debts from that state i did receive a notice and was very scared so i did pay XXXX when i lived in XXXX but moved to XXXX XXXX soon after and never paid anymore I keep getting letters from local lawyer saying a judgement was filed and i need to pay or make arrangements to pay i checked online and its says disposed by clerk and dismissal but im still getting these letters- i know they cant touch my XXXX but i do have a seperate checking account i use to pay bills with and im afraid they will try to garnish that- XXXX is my only source of income and i dont owe any outstanding debt but the letters i get make me so upset - what should i do- thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: World Omni Financial Corp.
State: FL

Complaint narrative:
I am disputing the reporting of late payments tied to an account that has been closed for some time. After the account was closed, I noticed that derogatory informationspecifically late paymentscontinued to appear on my credit report. This raised immediate concern, as I had fulfilled the account terms, and no new activity should have been reported after closure.

To resolve this, I submitted several disputes directly to the credit bureaus and the original creditor, asking for a proper review and supporting documentation of the alleged delinquencies. However, instead of receiving concrete evidence or a detailed account history, I was met with generic responses that did not clarify or justify the reporting.

It is my understanding that once an account is closed, reporting must reflect the final and accurate status as of the date of closure, in accordance with XXXX XXXX data furnishing standards and the Fair Credit Reporting Act ( FCRA ). Continuing to report late payments after the account has been settled or closedespecially without verificationmisrepresents my credit behavior and damages my financial standing.

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

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CL Holdings LLC
State: KS

Complaint narrative:
I am reporting a credit reporting issue involving Jefferson Capital Systems LLC, related to a vehicle loan originally financed by XXXX XXXX XXXX. 

I purchased a vehicle on XX/XX/XXXX, which was totaled in an accident on XX/XX/XXXX. I did not have insurance at the time. Shortly after the accident, I informed the lender ( XXXX XXXX XXXX ) that I could no longer make payments and requested they come pick up the vehicle, which ended up at a tow yard. 

I was not notified when the vehicle was picked up or sold, and approximately XXXX years later, I received a letter from XXXX XXXX XXXX stating the vehicle had been sold and I had a remaining balance. 

The account was later transferred to Jefferson Capital Systems LLC, who is now reporting the debt as opened on XX/XX/XXXX, which is not correct. This is a case of debt re-aging, as the original delinquency occurred in late XXXX. 

This false date makes it appear as though the debt is more recent, extending how long it stays on my credit report and negatively impacting my credit score, in violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
XXXX  is the main XXXX XXXX company. After receiving funds from me, XXXX XXXX upon maturing period of the plan they asked me for additional money for additional money XXXX $ so they could transfer the funds. This was not disclosed to me at the begging. Supposedly there was a profit of XXXX XXXX which they transferred to XXXX XXXX. They insisted on transferring to this. They did, in form of crypto currency, which turns out to be fake. This XXXX XXXX XXXX XXXX crypto does not appear anywhere in XXXX XXXX. Now I ask them to transfer to my bank directly they want additional 5 % of XXXX $ transferred to them so they can initiate the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Servicer under contract with Federal Student Aid
State: LA

Complaint narrative:
I opened my banking account app on XXXX XXXX to see if a bill payment went through.on my banking app I can check my credit score. I scrolled down to check my credit score. I noticed my credit score went down. I looked into the matter further, and I seen that there were two student loans taken out. One student loan was for XXXX. The other student loan is for XXXX. I logged into XXXX XXXX on XXXX on my phone and I got more details than my banking app would allow me to see. The loan is under US Department of education and it provided me their phone number. I contacted the US Department of Education. Ive communicated with them. They informed me that the loan is with. XXXX XXXX XXXX id contacted them also Ive talked to XXXX, XXXX XXXX and XXXX  to freeze and dispute the loans on my credit. Ive talked to my local police department. I can not get in contact with the Federal Trade Commission because there is a government shut down at the moment.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I have been trying to close the account for about to a year now. I pay off the statement amount and have asked numerous times with letters for the account to be closed. And then the check is sent back. This has happened twice. It feels like fraud to me for my final payments not to be accepted. This last time, I worked with XXXX XXXX, who aren't representing me, but wrote the letter. I got another final amount to pay again from XXXX XXXX. I will enclose the certified letter, copy of check and the letter from Synchrony. I know that I have overpaid and this is wrong. I don't have adequate representation for this issue. At this point, closure of this account and any over payment refunds is desired.

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 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been requesting these statements since the beginning of the year for tax purposes. 

Each time I call, the response is I should receive them in about XXXX to 10 days. 

This XXXX I recently called XX/XX/XXXX, spoke to Acct. XXXX and the Mgr about my problems. They both said, I should receive in XXXX to 10 days. I received statements for XX/XX/XXXX thru XX/XX/XXXX. Where they got these dates I have no idea. 

Called again XX/XX/XXXX received statement XX/XX/XXXX. 

Called again XX/XX/XXXX just received statement XX/XX/XXXX. 

I dont understand why this is so difficult to get my statements, they are my statements after all. 

Please help me get my statements for XX/XX/XXXX thru XX/XX/XXXX. I would love if I could just get XXXX  files so I can print them out myself.

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 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Subject : Urgent Request for Assistance Wrong Zelle Transfer on XX/XX/year> Dear Consumer Finance Team, I am writing to request assistance regarding a mistaken Zelle transfer made on XX/XX/year>. I accidentally sent {$2400.00} to the wrong mobile number. 

Intended phone number : XXXX Incorrect phone number ( funds sent to ) : XXXX Amount : {$2400.00} Date of transaction : XX/XX/year> Transfer method : Zelle I contacted my bank immediately after realizing the error and raised a case. However, after several days, my case was denied. I also attempted to contact the recipient he answered once and stated he would not return the funds, and has since stopped responding to my calls. 

This was an honest mistake, and I am requesting your assistance in investigating this transaction and helping me recover the funds sent in error. I am happy to provide supporting documents such as transaction confirmations, call logs, or any additional information you may need. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX Phone : XXXX Email : XXXX Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Dear CFPB Case Officer, I am writing in response to your recent correspondence referencing XXXX XXXX, XXXX and XXXX XXXX, XXXX. Please note that I am not the owner, controller, or beneficial owner of either entity. I am solely listed as an authorized signer for banking compliance purposes. 

My XXXX XXXX XXXX XXXX, XXXX, provides international tax and compliance services to clients operating U.S. entities. In this case, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX are client companies owned by non-U.S. residents, and my role was limited to administrative and compliance support, including acting as a U.S.-based signer to facilitate lawful banking operations for clients who reside abroad.

I have no financial interest, ownership, or control in those entities, nor do I conduct any business or derive income from their operations. Any suggestion that these entities are my own or under my control is factually inaccurate. 

Please update your records accordingly to reflect that : XXXX XXXX XXXX is not the owner, officer, or controller of XXXX XXXX, XXXX or XXXX XXXX, XXXX. 

My involvement was limited to client representation and XXXX XXXX  compliance support as a XXXX. 

If needed, I can provide supporting documentation ( e.g., engagement letters, corporate records, or communications ) confirming this limited role. 

Thank you for your prompt attention to this clarification. Please confirm receipt and that this information will be added to the case record.

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 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am the owner of this credit card account, which I shared with my husband, XXXX, since XXXX. He passed away on XX/XX/XXXX. In XX/XX/XXXX, I received a refund from the dentist. When I went to the bank to withdraw the amount of {$2800.00}, Wells Fargo informed me that they would mail a check to my home address. However, I never received the check. Wells Fargo Credit Card later confirmed that the check was issued and cashed on XX/XX/XXXX, at XXXX XXXX. The check was not made out in my name but in my late husbands name. Since we were co-owners of this account and he has passed away on XX/XX/XXXX, I am the sole owner. To this day, I have not received this refund. On XX/XX/XXXX, I went to Wells Fargo branch in XXXX XXXX and requested that his name be removed from the account. This situation has been very stressful and confusing. When XXXX people are co-owners of an account and one passes away, I believe the surviving person becomes the only rightful owner.

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 2025-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
A few days ago I met a young lady that was leasing an apt a deposit was made a remaining funds were sent this afternoon. It turns out that it was a scam. The funds were sent via chime, they can not an are not willing to refund my funds. The chime deposit account was for a XXXX XXXX of XXXX XXXX in XXXX. I have reported to the police that him an a young lady name XXXX XXXX XXXX as it was given to me. Real name may be XXXX XXXX All funds were sent an no apartment is available. This was a scam an fraud to steal peoples hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I am submitting this new complaint because Wells Fargo attempted to close my previous case without resolving the core issues I raised. After receiving their response, I was contacted by a representative who attempted to confuse me by referencing internal protocols and policies in a way that was unclear and evasive. The representative discouraged further inquiry by stating that outcomes related to employee conduct are internal only, which prevented me from understanding whether my concerns were taken seriously or addressed at all. 

My original complaint involved discriminatory treatment, denial of service, and refusal to honor basic identification protocols. Wells Fargos response focused on expired ID policy, but failed to address the broader issue : I was denied service and treated differently despite presenting valid identification and attempting to comply. Their refusal to release surveillance footageunless compelled by subpoenafurther prevents transparency and accountability. 

Additionally, the banks refusal to reimburse third-party check cashing fees, despite acknowledging that I was denied service at multiple branches, is unacceptable. I was forced to use alternative services due to their actions, and I should not bear the financial burden of their failure to provide access.

I am requesting that the CFPB reopen this matter and investigate the following : 1. Whether Wells Fargos ID policy was applied inconsistently or discriminatorily 2. Whether the banks refusal to provide surveillance footage obstructs transparency 3. Whether the denial of service and subsequent financial harm ( check cashing fees ) constitute unfair or discriminatory practices 4. Whether the banks internal handling of complaints is sufficient when it results in no accountability or resolution for the customer I am prepared to provide additional documentation, including a timeline of events, call logs, and written communications. I respectfully request that this case be reopened and reviewed by a CFPB investigator.

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 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I recently became aware that my account ending in XXXX was reported as 30 days late to the credit bureaus on XX/XX/XXXX. This is both unexpected and inaccurate, as I have never been late on any payment for this account. 
Below is a detailed summary of events for your review : XX/XX/XXXX : First payment of {$29.00} successfully posted ( due XX/XX/XXXX ). 
XX/XX/XXXX : Second payment of {$29.00} mailed and deposited by them on XX/XX/XXXX ( see attachment ). Despite this, the account was not credited, and a late fee was assessed. 
Around XX/XX/XXXX, I received an email notice claiming my account was late. I immediately contacted customer service and was instructed to email XXXX with proof of payment which I did but I never received acknowledgment or a response. 
XX/XX/XXXX : While the dispute was pending, I made a phone payment of {$64.00} to cover the prior balance, XXXX payment, and the late fee in full. 
XX/XX/XXXX : The XXXX payment was mailed and deposited by them on XX/XX/XXXX, yet another late fee was assessed. I again sent proof of payment to XXXX with no reply. 
XX/XX/XXXX : The XXXX payment was mailed and deposited by you on XX/XX/XXXX, followed by another late notification. I again provided proof of payment via email but received no acknowledgment. 
XX/XX/XXXX : XXXX days before the XXXX payment due date, I received another email stating I was late for the XXXX payment despite the fact that the payment had already cleared. 
At this point, after several months of back-and-forth and no response from the disputes team, I closed the account out of frustration a decision I regret, as Ive always valued my relationship with XXXX XXXXXXXX XXXX and take pride in maintaining an excellent payment record. 
Despite making timely payments, providing documentation, and even having late fees removed twice as a courtesy, the account was ultimately reported as 30 days late, which is both unfair and inaccurate. Between the late fees, accrued interest, and my phone payment of {$64.00}, the account was already paid in full, and this reporting should never have occurred. The account was closed at my request on XX/XX/XXXX. Due date for the XXXX payment was XX/XX/XXXX. The immediately reported the account to the credit bureaus on XX/XX/XXXX when still in dispute. 
Taking in consideration the XXXX {$29.00} payments made by check as well as the {$64.00} phone payment made on XX/XX/XXXX this should have been enough to cover the total amount due before the report the account to the credit bureaus

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 2025-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have been waiting for the responses from Citibank and XXXX  instead I find TODAY that the non existent account is on XXXX  and removed the correct account number. Please see attached showing what Citi Thank You XXXX XXXX  does Not Match what they reported to XXXX. This just showed up today they replaced the XXXX only account with a fake one. 
Citibank again gave XXXX  false reporting. please see new attached with actual correct number. My credit is ruined and no compensation or resolve has been offered to me for the enormous damages I am now suffering ; in addition I received days ago the attached notice from XXXX XXXX. Please see both attached. My credit score was XXXX now in low 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