vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: M&T BANK CORPORATION
State: NC

Complaint narrative:
Made a payment of {$150.00} and company took {$400.00} from me It was not authorized Company is looking into it They fraudulently took money from me without my approval

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 2026-05-06 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: LA

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 2026-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
Sunrise XXXX XXXX has been contacting me for several months about a debt to XXXX XXXX . First of all, the debt was a disputed bill with XXXX. They refused to communicate with me about it, even after being contacted by the XXXX XXXX XXXX. They could not provide proof that I owed them anything and refused to discuss it. Since I did not pay them what they claimed I owed, they sent it to Sunrise XXXX XXXX. Upon first hearing from Sunrise, we sent them a letter on XX/XX/year> disputing the debt, asking for proof of it, and advising them not to contact us again. We have not received any response from them other than the continued calls and text messages. XXXX could not prove this debt and neither can Sunrise, so they simply do not try. They only demand money with no proof that they are owed anything.

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 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
Just different companies freezing my account and some money has been missing in my account. Then I see target tried to down transaction I missing over time since I had chime

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EdFinancial Services
State: OK

Complaint narrative:
I am submitting this complaint regarding the EDFINANCIAL account currently being reported on my credit file with a reported balance of {$3900.00}. I respectfully request a complete investigation into the accuracy, balance calculation, and payment reporting associated with this account under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I noticed discrepancies and potentially misleading reporting that may not accurately reflect the true status of this account. Specifically, the account reflects a balance that exceeds the original highest balance reported, which raises concerns regarding the accuracy and calculation of the amount being furnished to the credit bureaus. I am requesting that EDFINANCIAL provide full verification of the debt, including the original signed agreement, complete payment history, itemized balance calculations, interest and fee breakdowns, and documentation proving the accuracy of all reported late or missed payments. If this information can not be fully verified, I request that the account and any associated derogatory payment history be corrected or removed immediately from all consumer reporting agencies pursuant to Sections 609 and 611 of the FCRA. Additionally, I respectfully request goodwill consideration concerning any derogatory reporting tied to this account. Any missed payments occurred during a period of financial hardship, and I have continued making efforts to address my financial obligations responsibly. The continued reporting of negative payment history is causing substantial harm to my ability to rebuild my credit and move forward financially. I am asking for compassion and consideration in reviewing this account for the removal of derogatory marks and inaccurate reporting. Please conduct a thorough investigation and provide written confirmation of the results, including any corrections, updates, or deletions made to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am writing to formally dispute the information reported on my credit report because it is inaccurate and misrepresents my actual credit history and account status. After reviewing my report, I found clear discrepancies that suggest the information is incomplete, outdated, or incorrectly reported, and it is unfairly damaging my credit profile. I expect an immediate and thorough investigation into this matter, along with proper validation of the account in question. If you are unable to verify that the information is accurate and complete, it must be corrected or removed without delay in accordance with applicable laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: PA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX regarding an unresolved account restriction and repeated, duplicative verification requests. My account has been blocked for an extended period. XXXX has requested that I submit a verification photo ( with date and case number ), which I have provided multiple times in full compliance : First submission : approximately XX/XX/year> ( under a previous case ) Second submission : XX/XX/year> Third submission : XX/XX/year> Despite these repeated submissions, I continue to receive identical requests without any clear explanation of deficiencies, confirmation of receipt, or progress toward resolution. XXXX has not provided : A clear reason for the ongoing restriction Confirmation that my documents meet their requirements A defined timeline for resolution This pattern suggests a breakdown in their compliance review or customer support process and is causing ongoing inability to access my funds. I respectfully request that the regulator : Review XXXX handling of this case Require a clear explanation for the restriction Ensure a timely and definitive resolution I am fully willing to provide any additional documentation if clearly specified. Case number ( s ) : Ticket ID : XXXX, Ticket ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: MS

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: AL

Complaint narrative:
CASHAPP CLOSED MY ACCOUNT saying my 2 of dispute was fraudulent but I have eight more disputes that's in progress I need to know if I was still get a provisional credit for those dispute that I filed before they closed the account and will I be able to take that provisional credit money out

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Wilber and Associates, P.C.
State: IL

Complaint narrative:
I finish with payment arrangements ans I was told they were going to send the release form to Illinois secretary of state but didn't and my driver license and plates got suspended because of it. I call them and were giving false information and misleading and I have to have XXXX because of there failure. I already have insurance but they don't want to send me documents and payments arrangements copies. They said the account is close but it's not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: MD

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 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Galaxy Capital Acquisitions, LLC
State: TX

Complaint narrative:
I received an email from XXXX XXXX XXXX attempting to collect an alleged debt in the amount of {$2000.00}, which they claim originated in XXXX. I dispute this debt and do not believe it belongs to me. When I contacted the company for verification, they only stated that the alleged debt was related to a credit card account, but they were unable to provide sufficient details proving that I owe this debt. The email states that the original creditor is XXXX XXXX XXXX and that the debt is currently owed to Galaxy International Purchasing , LLC. I do not recognize this account or creditor and have no knowledge of this alleged debt. I am requesting that this account be fully investigated and validated before any attempt is made to report it to any of the three major credit bureaus. Please provide documentation bearing my signature or other competent evidence showing that I am legally responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: CA

Complaint narrative:
This is concerning my XX/XX/XXXX payment I it had taken them a month to approve my ID because they had locked my account they have approved my ID and I've sent about nine emails requesting the ACH transfer I can not get anybody on any phone number I've called or anyone to respond to my emails it's now been 40 days they've been holding my money and after the nonsense was getting my ID approved now they will not respond to send me my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX transaction amount of XXXX and XXXX. Both was transactions made by cash app support internally was hacked and already filed dispute but they just closed my case without any resolution. My federal refund was stolen and I filed police report with fbi and local law enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: FL

Complaint narrative:
I have a Cash App account. And they have locked it where I can not receive or make transactions. And I have funds in the account when I call their customer service, they tell me, I have to wait 5 days and then never respond to me or allow me access to my funds. I've asked for my funds back out of the account. And they have refused what's no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
PLEASE REMOVE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORTS

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 2026-05-06 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: Experian Information Solutions Inc.
State: MS

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: CO

Complaint narrative:
I am providing additional documentation showing a previously approved dispute against XXXX XXXX from XX/XX/year> resolved XX/XX/year> with XXXX showing Approved status. Despite this approved dispute XXXX XXXX has continued to re-report or sell this account in clear violation of the Fair Credit Reporting Act. This screenshot proves a pattern of illegal re-reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My mother died last year and I have tried to talk tot he mortgage company to deal witih her home to sell it etc ... each time I contacted HUD they refused to give me any informaiton They said I would have to prove I was her daughter that I had any authority and go to court or they would tell me nothing. I lived with my mother 22 years. She paid for her home and then in 2005 she opened a reverse mortgage account with Wells Fargo with a pay off day of 70 years. As an XXXX XXXX XXXX woman. So she would be XXXX when the loan was paid off? How many clients do they have that are that old. I question their intentions on the mortgage. They always felt the home was theirs. They ran her up to twice as much debt in twentyyears as her loan had originally been. Last year I saw her debt had gone from XXXX XXXX to XXXX XXXX at the time of her death. I tried to talk to them but they would never talk to me. No name no power. This last XXXX I was able to speak to a prop bono lawyer through a charity that said they could kick me out at any time. THey did. They sent eight letters to me IN ONE DAY four certified four in regualar mail, then two days later they posted an eviction notice on the door and still not even using my name. THey used the names of my dead parents. In the paperwork they stated that her debt was n XXXX XXXX dollars. XXXX XXXX more than at the time of her death. They also stated that biddin on her home would take place in an office were bidders would put down XXXX XXXX non refundable dollars just to bid without seeing that the home was in serious disrepair. A knockdown. So the bank planned to rip off whoever bid on the home and accumulate thier loss of value by the bidding while lining their pockets with XXXX XXXX dollars more on her account. She is dead so who would tell? If you kick me out too then no one can dispute their claim. I AM STILL HERE AND I DO. You helped them last year they were parto f a class action lawsuit about a company that sent them false and misleading letters abougt their mortgae. Two checks were sent her one for mey dead dad and one for my dead mom. I could not cash them Wells Fargo refused to acknowledge that they misled my mother 20 years ago in her original loan. she would never make it to XXXX XXXX XXXX so their intention was always to take her house. THey let her run up her debt to twice as much when she was very old. A XXXX years old and they never capped her debt. Their intention was always to scare her into not investigating what they were doing to her. Now they are trying to scare me out of the home without any discussion.

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 2026-05-06 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: CA

Complaint narrative:
Cashapp has been handling my fraud case horrible. XXXX was setup as a primary payment in my XXXX account. My XXXX acct. was hacked and the hacker made 20 fraudulent purchases in 1 hour. They used my cashapp for payment on all purchases totaling almost {$1400.00}. I filed 20 separate claims through cashapp to get my money back. They denied my claims despite XXXX confirming that account is closed and marked as FRAUD/HACKED. Cashapp approved 4 of my claims and refunded the money but they keep denying the other 16 claims even after an appeal. Cashapp says there is nothing they can do. The response Im getting is to contact the merchant XXXX but XXXX tells me that cashapp has to process the refund as they were the primary payment method used. Cashapp should be having one person work on my claims instead of several people. If 4 claims were approved for fraud and refunded to me then it should be clear all the other 16 transactions and are fraud as well done in the same day and same hour. Cashapp needs to fix this ASAP. This is my living expenses money. Poor customer service telling me Im out of luck. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: OK

Complaint narrative:
I am writing to formally dispute the information reported on my credit report because it is inaccurate and misrepresents my actual credit history and account status. After reviewing my report, I found clear discrepancies that suggest the information is incomplete, outdated, or incorrectly reported, and it is unfairly damaging my credit profile. I expect an immediate and thorough investigation into this matter, along with proper validation of the account in question. If you are unable to verify that the information is accurate and complete, it must be corrected or removed without delay in accordance with applicable laws.

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