vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SERVICEMAC, LLC
State: TX

Complaint narrative:
I called to set up biweekly payments. It took XXXX calls to get that done. I requested a certain amount to be drafted every XXXX weeks with an additional amount to principal. I got notice in the mail about this request and the representative put in the incorrect amounts. I called XXXX days before my draft and spoke with someone in escalations who said it was to close to the draft date to fix it and I would have to call back after the payment processed. I expressed frustration at the error and the time it is causing me to waste. She said she would call me the following XXXX to get it corrected. No call. I call multiple times today requesting to have it fixed and speak with a XXXX. The customer service rep refused to send me to a XXXX or the escalation team, saying I would have to wait for another call back. They also said they could not correct the draft once again although the next one is not for another XXXX weeks.

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 2025-09-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year> XXXX issued me a full refund in the amount of {$50.00} back to my chime credit builder card and then on XX/XX/year> I filed a dispute with chime claiming that the refund is taking very long to clear into my credit builder card Chime told me I have to wait until XX/XX/year> for my dispute to be resolved However XXXX issued the refund back in XX/XX/year> in which I have proof that the refund was issued from XXXX chime is deliberately withholding my refund because the refund was issued back in XX/XX/year> which should had only taken a few days to show back into my credit builder card this practice is unfair to me as a customer and chime has no reason for the delay since XXXX already issued the refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEMis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Re : Complaint XXXX XXXX and XXXX Capital One Letter Dated XX/XX/year> Capital Ones XX/XX/year> letter confirms that a {$41000.00} check was issued. The letter further states it was mailed to the wrong address, could not be forwarded, and was lost in the mail. This is a formal admission that monetary relief was approved and processed. 
However, Capital Ones response improperly attempts to shift responsibility to the consumer to contact a check issuer for stop payment. This is inconsistent with Capital Ones own account and check policies : Lost or Misdelivered Checks Capital Ones Indemnity Agreement policy ( publicly available on capitalone.com ) states that when a check is lost, stolen, or destroyed, the customer may request stop payment and a replacement check must be issued.

I am now formally requesting reissuance of the {$41000.00} check under this policy.

Customer Records and Address Updates Capital Ones Rules Governing Deposit Accounts specify that customer records are conclusive unless the consumer provides notice of changes. On XX/XX/year>, I provided verified ID and updated payment instructions through the CFPB portal. Capital One is required to use these verified instructions for any reissued payment.

The verified instructions on file supersede the old, incorrect address.

Obligation on Capital One Closing my 360 Checking account does not remove Capital Ones obligation to deliver monetary relief. Any overpayment or refund must be transferred to my designated account or mailed to the verified address on file.

Requested Resolution Immediately stop payment on the lost {$41000.00} check.

Reissue funds either : By certified check to my verified address submitted XX/XX/year>, OR By direct credit to my replacement Capital One 360 account submitted XX/XX/year>. 


Additionally, provide proof of mailing or tracking for the reissued funds, as required under CFPB complaint handling standards. 

Escalation If Capital One fails to reissue promptly, I request the CFPB escalate this matter to the Office of the Comptroller of the Currency ( XXXX ) for further enforcement. 

Respectfully, XXXX XXXX XXXX ( Co-Owner, Fiduciary ) XXXX XXXX XXXX ( Primary Owner ) On behalf of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: VA

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 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One froze my card while I was overseas on vacation. I contacted them when I returned and they asked for proof of my identity and proof of residence. I sent my drivers license and my electric bill ( in my wifes name ), that wasnt acceptable. Per their request I have sent my pay statement, bank statement and a voided check. They said it wasnt acceptable and they called my bank, who would not verify any of my information to a third party, obviously! I asked the bank to write a letter, which I sent but they still will not talk to me. They wont even tell me what the problem is with the card, which is paid in full. This is going on almost 6 weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act, has violated my rights. 

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.

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 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report includes collection accounts that I believe contain inaccurate information. Under my rights granted by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and verifiable. I am requesting a thorough review of these accounts, and if they can not be confirmed as accurate, I respectfully ask that they be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: AZ

Complaint narrative:
I am formally disputing the fraudulent collection accounts that appear on my credit report. I have never applied for, opened, or authorized these accounts, nor have I entered into any agreement with the collection agencies reporting them. These accounts are the result of fraud and identity theft, and their reporting is both inaccurate and harmful to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: FL

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 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Re : Dispute of Charge-Off Failure to Provide IRS Form 1099-C Account : PENTAGON FEDERAL CR UN Account Number : XXXX Dear Penatagon FCU I am formally disputing the reporting of a charge-off account listed on my credit report. The reporting of this account has not provided me with the required IRS Form 1099-C, which is legally necessary if a debt has been canceled, forgiven, or charged off above the IRS threshold .

Because you failed to furnish this documentation, the accuracy and legitimacy of the reported charge-off are in question. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, all information reported to credit bureaus must be accurate and verifiable. Since no IRS cancellation of debt form was ever issued to me, this account can not be properly verified as reported.

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 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX a transfer from my mom 's account to my account was made I instantly noticed that it was the wrong account and try to reverse the payment I had no access to the account so I contact the cash app to ask them to help me to reverse the payment they have been giving me the runarounds ever since first they told me that the money will reverse after 14 days and then I went in and saying that the money was accepted and then I say that it had been declined to be reversed back if I have no access to my account has all of this stuff happening on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I signed up for the Chase XXXX XXXX XXXX credit card in XX/XX/year>. After meeting the spending bonuses on this card I should have received XXXX bonus points. These accumulated points show on the monthly statements I receive from Chase but have never been deposited into my account. I have contacted Chase multiple times and they have not resolved this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
SPS purchased my mortgage effective XX/XX/year>. The first payment was made for the month of XXXX with XXXX  being selected as the payment method. 

On XX/XX/year> I received a transfer notice from XXXX XXXX XXXXXXXX stating that XXXX had purchased my loan effective XX/XX/year>. On XX/XX/year>, I received a notice from XXXXXXXX XXXX XXXX stating that XXXX had purchased my loan effective XX/XX/year>. Both notifications state that SPS will receive my payment for the month of XXXX. 

When my autopay with SPS did not go through on the XXXXXXXX XXXX XXXXXXXX, I attempted to pay directly via web and received a notification that SPS had transferred the loan and that I could not pay them for the month of XXXX. I contacted SPS support and was told to either mail a cashier 's check or " use web pay ''. I am not comfortable paying via either method given the uncertainty of who currently holds my mortgage. SPS to date has not provided me with any information about a XXXXXXXX XXXX XXXX  sale, and I am concerned my loan has been sold twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/year> I had {$500.00} sent to my Venmo account and I accidentally transferred it to my closed checking account. The XXXX XXXX XXXX XXXX XXXX the transfer as my account was closed. I have contacted Venmo online live chat multiple times and they keep saying the bank has the money which they do not. I disputed the transaction but Venmo denied it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: IL

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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-16 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: IL

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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have contacted Citibank for many years over this continued issue that they are now suing me for. I have never opened lines of credit or credit cards in florida and they allege that I have. I have completed a police report and am now doing a report with the CFPB because I do not owe citibank {$6600.00} or any money for cards or lines of credit that I did not open or consent to and that were done without my authorization or knowledge. I have also complained at my local senator 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX - XXXX - Account not mine XXXX XXXX - XXXX - Account not mine XXXX XXXX XXXX - XXXX - Account not mine XXXX  - XXXX - Account not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: FL

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