vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I lost.

Access to the email and the phone number that was used for my Cash App account. I asked Cash App to verify me. And they said that they couldn't verify me unless I had the email. I gave them everything that they needed, including transaction numbers from that. In particular, account to other people that I cashed up money to and that Cash App money to me. They're still saying that unless. I can get access to that in particular, email or phone which I don't have anymore that there's nothing that. They can do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: WA

Complaint narrative:
XXXX CITI VISA LOST MY PAYMENT ON XX/XX/year>, USING MY BANKING INSTITUTION 'S BILL PAY, I CUT A CHECK IN THE AMOUNT OF {$1300.00}. A PAPER CHECK WAS ISSUED TO XXXX ANYWHERE VISA AND ON XXXX, WAS CHECK WAS RECEIVED, ENDORSED, AND DEPOSITED BY CITI BANK. 

ON XX/XX/year>, I EMAILED CITI BANK STATEMENT PROOF OF PAYMENT ON XX/XX/year>, I EMAILED FRONT AND BACK OF CHECK ON XX/XX/year>, A CUSTOMER SERVICE SUPERVISOR INDICATED IN A PHONE CALL CITI FOUND THE MONEY BUT HAS NOT CREDITED MY ACCOUNT.

CITI IS IGNORING MY PROOF OF PAYMENT AND HAS NOT COMMUNICATED FULLY IN WRITING. I HAVE FOLLOWED THEIR INSTRUCTIONS TO PROVIDE PROOF. 

AS OF THIS WRITING ON XX/XX/year>, THE PAYMENT HAS STILL NOT BEEN APPLIED TO 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 monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: BSI Financial Holdings, Inc.
State: IL

Complaint narrative:
Improper Loan Servicing Practices The loan has been serviced in a manner that compounds harm to the borrower, including : Misapplication of payments and failure to properly credit the account.

Excessive or duplicative default interest and penalty charges.

Failure to provide transparent and accurate accountings upon request.

These practices constitute unjust enrichment and potential violations of RESPA ( 12 U.S.C. 2605 ) and related servicing obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
On or around XX/XX/year>, I discovered that Professional Debt Mediation ( PDM ) reported a derogatory apartment debt on my credit file related to XXXX XXXX XXXX Apartments. I was never a tenant at that property I was only an applicant. The alleged debt was created and reported without validation, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ). 

At the time this account appeared, I had XXXX active federal XXXX XXXX and wrongful eviction cases ( XXXX XXXX. XXXX, XXXX, XXXX ). The timing of this reporting, combined with my verified XXXX status and XXXX income, suggests an act of retaliation and discrimination in violation of the XXXX XXXX XXXX ( XXXX XXXX. XXXX ( f ), XXXX ) and Americans with XXXX XXXX ( XXXX XXXX. XXXX ). 

This false report directly caused additional harm including a denied housing application at The XXXX XXXX for Credit and Rental History, emotional distress, and damage to my financial reputation. I submitted a written dispute with my XXXX XXXX XXXX XXXX as proof of lawful income and XXXX, but PDM has not validated or corrected the error as required by law. 

These actions have caused ongoing harm, retaliation, and discriminatory treatment, all stemming from the misuse of my credit data and the failure to comply with federal housing and consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian credit. Has dropped my XXXX XXXX by XXXX points in the last 30 days for no reason whatsoever. All of my accounts are paid in full or paid on time or XXXX and never late. And yet my credit report has still dropped from XXXX to XXXX. I do not understand why, and I can not get a hold of anybody for them to explain to me why. So I wish to file this complaint and have the Consumer Financial Protection Bureau check into this because I think that the credit reporting agency is a freaking scam. All they try and do is get me to sign up for their paid service. I don't want their paid service. I want to know why my credit report has dropped.

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 2025-11-03 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:
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX XXXX reported a new collection account for {$2100.00} to Experian. I had previously sent them a written request for verification of the debt under the Fair Debt Collection Practices Act. I never admitted owing this debt ; I only asked for proof. 

After receiving my request, the company sent paperwork showing the original loan ( XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX ) had been fully paid and closed on XX/XX/XXXX with a {$0.00} balance. Despite this, XXXX XXXX XXXX XXXX re-reported the account as a new XXXX collection, re-aging a satisfied debt. 

Reporting a closed, paid account as a new collection is false and violates the FDCPA ( 15 U.S.C. 1692g ( b ) ) and FCRA ( 15 U.S.C. 1681s-2 ). I am requesting deletion of this inaccurate tradeline and investigation into this companys conduct. Supporting documentation is attached.

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 2025-11-03 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
[ Your Name ] [ Your Address ] [ Your City, State, and Zip Code ] [ Your Date of Birth ] [ Your Social Security Number ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ Credit Bureau City, State, and Zip Code ] Dear [ Credit Bureau Name ], I am writing this letter to formally dispute the accuracy and completeness of credit information being reported by your agency. Under the provisions of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX Reporting Guidelines, I request that you conduct a thorough investigation and verification of the account details in question. 

The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), mandates that credit reporting agencies must physically verify the original signed consumer contract for every account they include in a credit report. This verification process is crucial to ensure the authenticity and legitimacy of the information you disclose. By failing to adhere to this requirement, your reporting services could be susceptible to fraudulent accounts, negatively impacting consumers like myself.

I hereby demand to receive verifiable proof, such as an original consumer contract bearing my signature, for the account listed below : { dispute_item_and_explanation } As per the FCRA, unverifiable accounts must be promptly removed from my credit report. In the absence of providing documented proof within the stipulated timeframe, you are obligated to delete the aforementioned account from my credit file.

Moreover, I also request the removal of all non-account holding inquiries that are older than 30 days. Additionally, please add a promotional suppression to my credit file, as per the relevant consumer laws. I am well aware that the FCRA mandates a thirty ( 30 ) day period for your re-investigation of this dispute. Within fifteen ( 15 ) days of the conclusion of your re-investigation, I expect a description of the process utilized to assess the accuracy and completeness of the material in question. 

I emphasize that my rights under the FCRA and other consumer protection laws must be upheld, and I trust that your agency will act in compliance with these regulations. 

Thank you for your prompt attention to this matter. 


Sincerely, [ Your First and Last Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
-Received 50 % off, up to {$15.00} off, min {$12.00} purchase XXXX XXXXXXXX coupon, if XXXX  is used as the payment method. 
-Subtotal {$35.00}, taxes and tip {$48.00}. 
-Entered XXXX  card and processed, only awarded the free delivery that the restaurant itself has a promo. No XXXX. 
-Called and chatted and sent emails to XXXX  XXXX and to XXXX multiple times ( I explained and wrote out the details at least 7 times to both companies with the attachments ). 
-Horrible platforms for any type of communication. Disconnected, over an hour long wait times, communication barriers, explanations and call drops or CSR never comes back to chat. 
-Contacted the BBB because when I tried to dispute the charge through XXXX  XXXX the platform gave me an error message, no matter where I logged in from ( laptop, desktop, phone ) or what size and/or format I used to send the docs. 100 % XXXX  error. 
-Two times through two different communication channels, email and chat, I was able to send a couple screenshots And was assured that they would be uploaded. 
XXXX denied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX showing both as an open account as well as charged off and reported as a loss on all 3 credit reports. This account was charged off and sold to a 3rd party collection agency. Information is inaccurate and XXXX XXXX and XXXX  refused to remove due to inaccurate information. Also high balance and balance shown as owed do not match. 

XXXX XXXX XXXX  showing as charged off but also settled for less than full amount. XXXX XXXX XXXX XXXX XXXX a pay for delete and never deleted the account. Account was not charged off it was settled.

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 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: NH

Complaint narrative:
On XX/XX/year>, I purchased an aNueNue XXXX XXXX Mahogany Ukulele from XXXX XXXX. The order confirmation listed a different, lower-tier model ( XXXX ). The merchant refused to correct or refund the transaction and delivered the wrong item. 

I filed a dispute with SoFi Bank on XX/XX/year>, submitting complete documentation ( screenshots, emails, archived listing data ). SoFi denied the claim without addressing my evidence and later admitted I had been denied an opportunity to submit proof. After reopening the case, SoFi issued repeated denials without reviewing new evidence, including clear proof contradicting the merchants statements. 

Throughout this process I interacted with at least XXXX different SoFi associates, none of whom provided consistent or informed responses. Communications were often boilerplate, unresponsive, or contradictory. SoFis final correspondence required a subpoena for internal materials, blocking transparency.

I believe SoFis dispute-resolution system is structurally flawedeither by design or dysfunctionand failed to provide a fair, competent review. I request that the CFPB require SoFi Bank to ( XXXX ) conduct a proper review of my evidence and ( XXXX ) address its systemic dispute-handling failures. 

All referenced evidence is attached, including the full timeline and exhibits ( emails, screenshots, merchant and bank correspondence ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
On XX/XX/XXXX I went into a XXXX branch opened an account and had my settlement check to be deposited into my new account. They said I had to wait 10 days to verify my check. On the XXXX day I tried to log into my XXXX app and they said my app said my account was locked or froze due to fraudulent activity. So I called the number they provided they were saying that they needed to verify that the check was actually written to me. They needed the phone number to contact my XXXX XXXX to confirm those details. I felt like they have been discriminating me and having me do their job. It has passed the 10 days since they were supposed to release my funds on the XXXX of XXXX and they have failed to do so. I've called several times and even XXXX time they said that my account was clear that they contacted the law firm. And for me to try to log back into my app in about an hour. So I tried to do so and it was locked still but now displaying a new error message saying that there's unusual activity on my account for me to call to unlock my account. So I called back and told him that I just barely talk to representative and they called the law firm and unlocked the account and did all this and they told me they didn't know what I was talking about that the previous representative would have noted this well if they keep logs of all their calls I would also like for them to go through the logs of their calls and to find this call we're XXXX of the representatives already confirmed I already spoke with the law firm and done this. I've called the XXXX XXXX XXXX now and I have a reference number because they said they're investigating my case I hope this can get resolved because every day with me going out my funds is that much harder for me and my daily life. I've been waiting 3 years for this settlement to get settled which is a very long time and I was very happy to finally get my check now I run into this this is not fair to me whatsoever. I feel like they are discriminating me and I feel like they should be held responsible for this childish game they're playing with me. I'm going to sue Chase Bank because it has been over the federal guideline which was is 10 days. also I've asked my Law Firm to recall the check but they can not do so because they've already cashed the check at Chase Bank the day I opened my account they took the funds from the other account I've already had some of the agents clarify to me that the funds are in my account they're just waiting for them to verify these last details which are ridiculous if they thought the check wasn't made out to me I don't know why they cashed it in the first place and why the funds are in my account in the first place I need them to remove this hold so I can go on with my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties.

FRAUDULENT ACCOUNTS : XXXX  # XXXXXXXX XXXX  Balance : {$980.00} - Date Opened : XX/XX/XXXX XXXX  # XXXXXXXX XXXX Balance : {$1600.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXXXXXX XXXX Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX  # XXXXXXXX XXXX  Balance : {$600.00} - Date Opened : XX/XX/XXXX XXXX  # XXXXXXXX XXXX Balance : {$0.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: CO

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX. Tried several times to withdraw money from ATMs, and make purchases in stores with my XXXX XXXX  XXXX XXXX. All attempts were unsuccessful and I was not able to withdraw any money or make any purchases in stores. I received various errors, such as, " Unable to process transaction at this time, try again later, '' " Transaction limit reached, '' " Unable to read card, '' each time I attempted to use the card at various locations. These were all locations I have used my card at previously with out issue. I contacted the number on the card, and spoke with a customer service representative with XXXX XXXX I was told that as far as they could tell everything looked ok on their end. Despite asking several times I was not given any other information about why I am unable to use my card or what if anything I needed to do. I was told, Sometimes your card can lock for random security or other reasons, however, they could provide no specifics about how long it may take or anything else that could possibly be causing the issue. The representative then told me I can try contacting XXXX XXXX but they would probably just refer me back to XXXX XXXX, according to the representative. She also would not provide the appropriate contact number for XXXX XXXX. No other help or assistance could be provided. I tried my card at 2 more locations since speaking with XXXX XXXX, and was still unable to use it or access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties.

FRAUDULENT ACCOUNTS : XXXX  # XXXXXXXX XXXX Balance : {$1900.00} - Date Opened : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX hours ago ) to me I disputed a Wells Fargo Auto account originally charged off in XXXX. Despite my certified dispute in XX/XX/XXXX, XXXX continues to report this account as XXXX with a {$43000.00} balance and XXXX XXXX interest, last updated XX/XX/XXXX. 

This directly conflicts with XXXX, which shows the same account as charged off and closed since XXXX. XXXX  failed to properly reinvestigate or correct this information after receiving my documentation. 

This constitutes violations of FCRA 623 ( a ) ( 1 ) ( A ) ( knowingly reporting inaccurate information ) and 611 ( a ) ( 1 ) ( failure to conduct a reasonable reinvestigation ).

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 2025-11-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NJ

Complaint narrative:
Closed my account for depositing money said XXXX been don't same thing for 1 year no other parties closed me down it's legit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: ME

Complaint narrative:
A company called Unifin has repeatedly contacted me about a debt that does not belong to me ( the name on the emails is not even my name ) and continues to contact me despite multiple requests to stop contacting me and telling them multiple times I am not the person theyre trying to contact and do not own this debt.

Company response to consumer: Closed with explanation