vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: The CBE Group, Inc.
State: WV

Complaint narrative:
On XXXX I sent multiple certified letters telling cbe group that violated hippa laws by sending medical information and identifying medical information thru mail without the persons consent is a hippa violation that still harasses me over someone else debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX Date of Birth : XX/XX/XXXX Last 4 of SSN : XXXX Date : XX/XX/XXXX To Whom It May Concern, I am formally disputing the accuracy, completeness, and verifiability of the following accounts that are currently appearing on my consumer credit report. 

After a thorough review of my credit file, I have determined that the accounts listed below are being reported in a manner that is misleading, inaccurate, and/or not fully verifiable. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), any information that can not be verified as 100 % accurate and complete must be deleted from my credit report. 



Disputed Accounts for Deletion XXXX  XXXX ( Multiple entries reported ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Reported as Paid/Closed ). XXXX Bank ( Reported as Paid/ Closed ) These accounts are disputed because one or more of the following conditions apply : The information reported is incomplete or misleading The accounts can not be verified with original, competent documentation The reporting contains duplicate entries and inconsistencies The accounts are being reported in a manner that continues to cause adverse impact The data does not meet the standard of maximum possible accuracy Legal Authority Requiring Deletion 15 U.S.C . 1681e ( b ) Requires consumer reporting agencies to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Requires a reasonable reinvestigation of disputed information 15 U.S.C. 1681i ( a ) ( 5 ) Requires deletion of any information that can not be verified If you are unable to verify each account listed above with documented evidence, including but not limited to the original agreement, full payment history, and proof of reporting authority, the law requires that these accounts be deleted in their entirety, not updated, re-aged, or reclassified. 



Formal Demand I am requesting that you : 1. Conduct a full and lawful reinvestigation of each account listed above 2. Delete all accounts that can not be verified as accurate, complete, and current 3. Ensure that any deleted account is not reinserted without proper written notice, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Please provide written confirmation of deletion along with an updated copy of my credit report reflecting these removals. 

This letter is not an acknowledgment of any debt, nor is it a refusal to pay. It is a lawful demand for the removal of inaccurate and unverifiable credit reporting. 

Failure to comply may result in further action to enforce my rights under federal law. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: MD

Complaint narrative:
I am disputing the inaccurate late payment reporting on my Self Financial loan account ( SELF CBA XXXX ), which is currently open and active. 
This account was opened on XX/XX/2025, with a 24 month term and a monthly payment of {$25.00}. I have made the majority of my payments on time, with an on time payment history of approximately 80 percent. Despite this, Self Financial is reporting a single 30 to 59 day late payment for XX/XX/2025, which is being reported across XXXX XXXX, and XXXX. 
This late payment reporting is inaccurate, misleading, and disproportionately damaging given the overall positive payment history and the fact that the account remains current and in good standing today. The payment was made and the account is not delinquent. There is no charge off, no default, and no ongoing late status.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), furnishers are required to ensure maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681s 2 ( b ), once a dispute is raised, the furnisher must conduct a reasonable investigation and correct or delete any information that can not be fully verified as accurate.

Self Financials continued reporting of this late payment fails to reflect the true nature of the account and does not accurately represent my creditworthiness. This negative mark is harming my credit profile despite my continued compliance with the loan terms

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
I have contacted XXXX numerous times and have provided proof that payment was made at the time of service. Here is the latest letter sent to XXXX  on XX/XX/year> : To : XXXX XXXX XXXX XXXX XXXX XXXX This {$40.00} co-pay was paid at the time of service XX/XX/year>. I have included the XXXX  and the {$40.00} co-pay statement from my XXXX XXXX. I have provided this information before and have called on the outstanding bill that you keep sending me. This needs to be resolved asap. Please provide documentation showing that this charge has been cleared off. 
I will explain it again. I have included XXXX XXXX  statements and XXXX XXXX XXXX to XXXX. My wife and I both went into XXXX for treatment. I paid both her co-pay and my co-pay at the time of service. This is reflected in the receipts provided from the XXXX XXXX payments. 
Let me know if you have any questions. 
Thanks, XXXX XXXX I have included documentation that was sent to XXXX with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
In the matter of 60 days I received issues with receiving money that my Father send me. We have been using western union for over 5 years and never occurred this problem not even once until recently. This service provided no information as to why this issue was happening not even to the person who sent the money. They kept asking personal questions as to why the sender was sending the money etc as if it were their business. When a person sends money they verify the sender information with them providing identification as well as the receiver. They didnt even specify if it may have been fraud, they gave us the run around with them providing identification sender having to call in twice in one day about the transaction. Then when the agency at XXXX  tried to do the transaction again for the person receiving the money it showed that no money was found stated the XXXX agency agent. Then upon trying to call them about this situation customer was on hold for nearly an hour if not more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Block, Inc.
State: CA

Complaint narrative:
I paid a {$5.00} fee to order a Cash App Card. Cash App approved the order and accepted payment. Upon receipt, the card could not be activated through the app despite following all required activation steps. 

The card was unusable at first use. Cash App acknowledged the activation failure but refused to issue a refund for the card fee. The consumer was charged for a product that could not be used and for which no service was rendered. 

This constitutes failure of consideration and unjust enrichment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was charged retroactive deferred interest on a promotional balance on my Best Buy credit card issued by Citibank. It has been extremely difficult for me to view purchases, promotional balances, and detailed statements online through the Best Buy/Citibank portal , which made it unclear when the promotional balance was ending or how much remained. 

In XXXX, I was charged {$1400.00} in deferred interest, followed by additional interest charges of {$33.00} in XXXX, {$43.00} in XXXX, {$39.00} in XXXX, and {$38.00} thereafter. I consistently make payments on my account and have never had prior issues. 

I did not receive clear communication or notice that the promotional balance was ending or that deferred interest would be applied retroactively. Due to the difficulty accessing accurate account information online, I was unable to clearly identify the promotional balance status or expiration.

Once I became aware of the issue, I immediately paid the remaining promotional balance of {$310.00} in full. I contacted Citibank/Best Buy Credit Services to resolve the matter, but was told the charges could not be adjusted because the grace period had ended.

Given the difficulty accessing account information, the lack of clear communication regarding the promotional balance and its expiration, and my consistent payment history, I am requesting a reversal or adjustment of the deferred interest charges that were 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 monetary relief
Consumer complaint received 2025-12-21 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: LA

Complaint narrative:
Equifax XXXX fraud XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information Greetings to whom this letter reaches. My name is XXXX XXXX and Im a XXXX XXXX XXXX college sophomore. I had received some emails about my student loans being added to my credit report. When I received them, I logged on to check the activity of my credit. I then saw over 40 inquiries in which none are from me. Ive never applied for anything with my credit outside of accepting my student loans through my school. Ive seen a major decrease in my credit over time and Im very discouraged being so young already having so many inquiries. I did research and was able to get the information to write a letter to the bureaus. I was able to retrieve a copy of my credit report and found these item ( s ) to be inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 By the provisions of the Fair Credit Reporting Act, I demand that these ALLEGED items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I also request that you please send notices of corrections to anyone who received my credit report in the last 6 months.

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 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Equifax XXXX fraud XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information Greetings to whom this letter reaches. My name is XXXX XXXX and Im a XXXX XXXX XXXX college sophomore. I had received some emails about my student loans being added to my credit report. When I received them, I logged on to check the activity of my credit. I then saw over 40 inquiries in which none are from me. Ive never applied for anything with my credit outside of accepting my student loans through my school. Ive seen a major decrease in my credit over time and Im very discouraged being so young already having so many inquiries. I did research and was able to get the information to write a letter to the bureaus. I was able to retrieve a copy of my credit report and found these item ( s ) to be inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 By the provisions of the Fair Credit Reporting Act, I demand that these ALLEGED items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I also request that you please send notices of corrections to anyone who received my credit report in the last 6 months.

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 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
Direct deposit received by them on XX/XX/XXXX to my old account. My employer provided the trace number that showed my deposit was received but not showing in the account to be accessed. Account is still active and not closed. Contacted customer service and was told the usual generic response that the situation would be escalated and resolved. This hasnt occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-12-21 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: LA

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 2025-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am submitting a formal dispute of Wells Fargo Home Mortgages escrow accounting and refund determination related to my loan. 

On XX/XX/year>, Wells Fargo issued an Escrow Review Statement indicating an escrow overage of {$530.00}, which they refunded. However, this amount does not accurately reflect the excess escrow funds collected and retained in my account. 

Documented escrow over-collection : Wells Fargo collected escrow payments that exceeded actual escrow requirements for multiple consecutive months. From XXXX through XX/XX/year>, escrow deposits exceeded projected needs by approximately {$100.00} per month, resulting in more than {$500.00} in excess collections, as shown in the escrow account history. 

Excess funds retained after major escrow obligations were satisfied : My largest escrow disbursements school taxes ( {$3600.00} paid XX/XX/year> ) and homeowners insurance ( {$1500.00} paid XX/XX/year> ) were completed early in the review period. Despite this, Wells Fargo continued to collect escrow and retained balances exceeding {$3500.00}, even though no significant near-term escrow obligations remained. 

Improper reliance on projection-based calculations : Wells Fargo calculated the refund amount using forward-looking projections rather than reconciling actual escrow needs at the time funds were held. This approach allowed Wells Fargo to retain excess funds for extended periods while issuing only a minimal refund, contrary to the intent of RESPA escrow requirements. 

Delayed and incomplete refund : The {$530.00} refund reflects Wells Fargos internally calculated minimum obligation, not the full amount of escrow funds improperly retained beyond lawful reserve needs. 

Pattern of escrow discrepancies : This issue is not isolated. It follows prior escrow discrepancies on this loan that required escalation, indicating a pattern of improper escrow administration rather than a one-time error.

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