vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
The bank said they tried to reach out to me regarding closing my account but they havent. I had to call them twice to find out they are holding my funds from my payroll deposit. I am dependent on that money to maintain my living expenses. They will not allow me to transfer the funds and the account is in a credit only status to be held for up to XXXX XXXXays which is absolutely ridiculous. Its my money that I worked for, I get a regular direct deposit in my account

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 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
I dispute the XXXX collection account. XXXX has failed to provide proof of ownership or original creditor documentation, violating FCRA XXXX ( a ) ( XXXX ). Per FCRA XXXX ( a ) and XXXX ( a ) ( XXXX ) ( A ), unverifiable collections must be deleted from XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: AP

Complaint narrative:
In XXXX and XXXX of this year I reported fraud to XXXX about online transactions to a streaming service app that uses " XXXX XXXX '' to send streamers gifts and rewards that is converted into curreny when that streamer withdraws from the streaming app. The streaming app in question is called XXXX XXXX. I have reached out to them regarding the matter but their policy states no refunds so I reached out to XXXX XXXX XXXX reporting fraud as it is fraud. I did not authorize those transactions. The transactions continue but XXXX refuses to assist. Reaching out to XXXX within their set time frame to report fraud they do not assist or give me a timely response back which breaches their timeliness and uses that as an excuse to get out of processing and investigating my fraud claim. I am owed an estimated {$5000.00} usd in fraud at this point with XXXX XXXX XXXX and XXXX XXXX combined. Both parties do not investigate the matter and brush me off till I am out of their policy window as to invalidate my claim. I need serious help on this matter. The account in question is my XXXX XXXX XXXX Account XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Manager XXXX, XXXXXXXX XXXX, and XXXX are corrupt. They police complaints that are made against themselves.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Mortgage — Other type of 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: Real Time Group, Inc.
State: FL

Complaint narrative:
Business/Entity Complained Against : Real Time XXXX XXXX XXXX XXXX for RRA CP XXXX XXXX XXXX XXXX Attorneys : XXXX | XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX of Complaint : This loan appears to be a zombie mortgage a debt that was long dormant and revived many years after the original lender ( XXXX Mortgage XXXX XXXX XXXX operations. I received no statements or servicing contact for over a XXXX and there was never a recorded or valid assignment during that time. The sudden appearance of this old debt, with a questionable XXXX assignment, raises serious consumer-protection concerns and possible mortgage fraud. 
I am a homeowner in XXXX XXXX, Florida, currently defending a foreclosure on what appears to be a XXXX  mortgage under. The plaintiff, XXXX XXXX XXXX XXXX XXXX ( represented by XXXX XXXX XXXX XXXX ), claims to hold a mortgage that was assigned on XX/XX/XXXX, XXXX years after the original XXXX loan from XXXX Mortgage XXXX, a lender that had long since ceased operations. 
The assignment of mortgage was executed by Mortgage XXXX XXXX XXXX ( MERS ) as nominee for XXXX Mortgage XXXX even though XXXX was defunct. I believe this document is legally defective and does not establish valid standing or ownership of my loan. Nevertheless, XXXX XXXX Resolutions initiated foreclosure and filed this questionable assignment in the public record. 
During a scheduled Zoom hearing on XX/XX/XXXX, before XXXX XXXX XXXX, I was placed in the waiting room and not admitted while the hearing proceeded ex parte. XXXX other individuals were mistakenly admitted into my hearing instead. This deprived me of due process and an opportunity to be heard. I filed a XXXX XXXX XXXX complaint on XX/XX/XXXX, and a Notice of Appeal on XX/XX/XXXX. 
Real Time Resolutions also submitted XXXX XXXX XXXX statements that I never received during any prior servicing period. My account was never serviced by Bank XXXX XXXX, suggesting inaccurate or misleading evidence was used to justify the foreclosure. 
To review this matter for potential unfair or deceptive mortgage-servicing practices, misrepresentation in recorded documents, and violations of homeowner due-process protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: MI

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of XXXX XXXX XXXX XXXX ( XXXX ). This violation has led to an alleged case of identity theft, breaching XXXX XXXX XXXX XXXX. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt XXXX. In this case, the company has violated XXXX XXXX XXXX XXXX, which prohibits debt XXXX from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated XXXX XXXX XXXX XXXX, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has XXXX me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
A previously deleted XXXX  XXXX XXXX XXXX loan account was reinserted into my Experian credit report without proper notice and is now showing altered dates that extend the reporting period a direct violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX data-furnishing standards. 

Details of the Complaint : Account : XXXX  XXXX XXXX XXXX XXXX Account XXXX ( partial ) : XXXX Original Date Opened : XX/XX/XXXX Original Balance : {$52000.00} Status : Charged off ( {$38000.00} written off ) Date of XXXX Delinquency ( approx. ) : XX/XX/XXXX Date of Charge-off : XX/XX/XXXX Prior Deletion : This account was deleted by Experian after XXXX representative confirmed it was scheduled to automatically fall off in XX/XX/XXXX. 
Re-Insertion : As of XX/XX/XXXX, the same account reappeared on my Experian file, now showing a new Balance Updated date of XX/XX/XXXX and a new On Record Until date of XX/XX/XXXX. 

This reappearance occurred without the required written notice within XXXX business days, violating FCRA XXXX ( a ) ( XXXX ) ( B ). 
Additionally, the re-inserted data displays continuous CO ( charge-off ) notations from XXXX through XXXX implying ongoing delinquency which violates FCRA XXXX XXXX a ) ( XXXX ) and XXXX XXXX XXXX XXXX ( DOFD ) requirements. 
The Date of XXXX Delinquency should determine the XXXX-year reporting period, not the status update date. 
By altering that date and extending the reporting window, XXXX XXXX XXXX and Experian have effectively re-aged the debt and are misrepresenting its current status.

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 2025-10-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/year>, I placed several orders ( XXXX ) from my XXXX account using my husband 's XXXX XXXX XXXX. On XX/XX/year>, I noticed that XXXX of those orders was placed with a different XXXX card ( we don't know about ). It was from Bank of America under my name. I never applied for any credit card from Bank of America. However, I could see a purchasing credit card issued by Bank of America under the payments method of XXXX account. This credit card was under my name. When i checked my XXXX  I could see this credit card there as well. I immediately deleted it from my XXXX  and contacted bank of America XXXX To my surprise, they said I don't have any credit card under my name or social security number issued from them. I called them XXXX to confirm it. They denied XXXX of the times. However, XXXX of my XXXX orders has been placed using that Bank of America 's credit card. The order was made by me, I received the products but I didn't use that credit card. I used my husband 's XXXX  credit card as I did for all other orders made that day. I do not even know about that new credit card which was embedded on my XXXX account and XXXX  I, then, requested a credit report from XXXX XXXX. I don't see any new account in my name issued by Bank of America there as well. 
At last, I called XXXX to change my payment method for that particular order since I have no clue how that payment method ( Bank of America credit card ) even appeared on my XXXX and XXXX account XXXX I do not know how does it even exist. Sadly, they said they can not do so since the products are already delivered. 
I am hopeless and worried what's going on. My issue is not resolved yet. I have to know about that credit card under my name and how was it used to pay for my orders from my XXXX account ( XXXX $ ). 
Please help me!

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-16 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: CL Holdings LLC
State: OH

Complaint narrative:
There are several problems with these accounts that are being falsely reported to the XXXX XXXX XXXX that is affecting my creditworthiness here are the Acct : XXXX - ( * XXXX ) / {$630.00} ~ collections/charge off XXXX XXXX XXXX XXXX * XXXX ) / ( * XXXX ) / ( * XXXX ) ~ collection/charge off XXXX XXXX - ( XXXX XXXX ) / {$390.00} ~ inaccurate Capital XXXX Bank - XXXX XXXX XXXX ) / {$460.00} ~ XXXX Days late inaccurate New XXXX XXXX XXXX - ( * XXXX XXXX ( * XXXX ) ~ reporting as charged off XXXX Premier - ( * XXXX ) / {$480.00} ~ showing as paid charged off status disputed Lead Bank - ( * XXXX XXXX / {$110.00} ~ charged off/inaccurate Syncb/Amazon - ( * XXXX ) ~ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NH

Complaint narrative:
On XX/XX/year>, my Cash App ( XXXX ) account was accessed from a new device that does not belong to me Immediately afterward, {$500.00} was sent to an unknown recipient. 

I reported this as an unauthorized transaction, but Cash App denied my claim, saying that because my PIN was used, I must have authorized the payment. That is incorrect. I did not approve or initiate this transfer, nor did I provide my PIN to anyone. 

The activity log clearly shows a new device login just before the transfer, proving my account was compromised. Under the Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX ( XXXX XXXX XXXX ( m ) ), this is an unauthorized electronic fund transfer because it was initiated by another person without my permission, even though my correct access pin was used. 

I am requesting : A full refund of {$500.00}, plus {$15.00} certified-mail expense ; A written explanation of Cash Apps investigation and security logs for the new-device login ; and That Cash App permanently block and investigate the recipient account involved in this theft ( $ XXXX ). 

Attachments : screenshots of the denial email from Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: TN

Complaint narrative:
I have never been charged with XXXX XXXX XXXX  XXXX counts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by XXXX XXXX XXXXt XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the 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 non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: SD

Complaint narrative:
refinance originated XX/XX/XXXX {$150000.00} conventional XXXX Sold to XXXX Mortgage XXXX sold to XXXX Current balance with next payment due XX/XX/XXXX {$39000.00} XXXX - current adjusted rate XXXX XXXX XXXX  XXXX indicates XXXX XXXXears remaining XXXX acknowledges large principal curtailments of {$15000.00} plus small XXXX included in the payments. They show applied to unpaid balance, reversed and applied. I can't find proof of them being applied. Also, especially initially, principal curtailments were included in the XXXX. Both XXXX and XXXX  should have records of additional principal. All of these should be reflected in the balance. That said, I have asked how could there be {$39000.00} and XXXX years remaining on this loan. I have been calling and corresponding for around XXXX  months. I can't get an answer that I can understand in written correspondence and they won't work and provide answers by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: PA

Complaint narrative:
I am filing this complaint to formally dispute and request an immediate investigation into inaccurate, incomplete, and unlawful reporting of certain tradelines on my credit report. The following accounts are being reported with late payments that are false, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX and Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX. 

The disputed accounts are as follows : SELFINC/LEAD XXXX High Balance : {$680.00}, Date Opened : XX/XX/XXXX Reported Late Payment CREDITONEBNK XXXX High Balance : {$770.00}, Date Opened : XX/XX/XXXX Reported Late Payment ATLCAPBKSELF XXXX High Balance : {$720.00}, Date Opened : XX/XX/XXXX Reported Late Payment Grounds for Complaint : These late payment notations are factually inaccurate and harmful to my creditworthiness. 

The furnishers have failed to comply with FCRA XXXX ( a ) ( XXXX ) ( A ), which prohibits reporting information they know or should know is inaccurate. 

The credit reporting agencies ( CRAs ) have failed in their duty under FCRA XXXX to ensure the maximum possible accuracy of consumer information. 

Continuing to report these inaccuracies constitutes a violation of my rights and causes severe financial and reputational damage, including denial of credit opportunities and increased interest rates. 

Requested Action : I demand that the CFPB immediately investigate these violations and hold the furnishers and CRAs accountable. Specifically, I request the following : Removal of all false late payment notations from the above-mentioned accounts. 

Full compliance with FCRA XXXX ( XXXX to XXXX ) and FCRA XXXX ( Right to Dispute ). 

XXXX that these furnishers cease reporting inaccurate or unverifiable information in the future. 

Written confirmation of the actions taken to correct these violations. 

If these inaccuracies are not removed promptly, I reserve the right to pursue all available remedies under federal law, including civil litigation, statutory damages, and attorneys fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: ENCORE CAPITAL GROUP INC.
State: NE

Complaint narrative:
My mother passed away in XX/XX/year> after suffering from an unknown illness for several years. While cleaning out her house after her passing I found a billfold full of over XXXX credit cards taken out in my name without my knowledge or consent. My guess would be that the mounting medical bills forced her into a continuous hole of debt as she was able to work less and less. She was probably hoping she could eventually get these paid off before I would notice or impact me in any serious way. Unfortunately she was never able to recover and has now left behind a financial mess. In early XXXX I began calling the list of credit cards to report the fraud situation. All gave the same general answer that they would begin an investigation and get back to me within XXXX days. So far several have been very understanding while a handful have not. XXXX of those that have been very difficult is XXXX XXXX Bank XXXX. with the case now being picked up by Midland Credit Management who have completely denied XXXX separate fraud cases leaving me with a bill of over {$5000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
There are several problems with these accounts that are being falsely reported to the XXXX XXXX XXXX that is affecting my creditworthiness here are the Acct : XXXX - ( * XXXX ) / {$630.00} ~ collections/charge off XXXX XXXX XXXX XXXX * XXXX ) / ( * XXXX ) / ( * XXXX ) ~ collection/charge off XXXX XXXX - ( XXXX XXXX ) / {$390.00} ~ inaccurate Capital XXXX Bank - XXXX XXXX XXXX ) / {$460.00} ~ XXXX Days late inaccurate New XXXX XXXX XXXX - ( * XXXX XXXX ( * XXXX ) ~ reporting as charged off First Premier - ( * XXXX ) / {$480.00} ~ showing as paid charged off status disputed Lead Bank - ( * XXXX XXXX / {$110.00} ~ charged off/inaccurate Syncb/Amazon - ( * XXXX ) ~ XXXX XXXX XXXX

Company response to consumer: Closed with explanation