vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
This is a XXXX XXXX XXXX since XX/XX/year> and presently in appeal with the ninth circuit in XXXX XXXXXXXX XXXX XXXX XXXX Now an alleged new servicer called XXXX XXXX is attempting to foreclose using XXXX XXXX XXXX ( XXXX ) out of XXXX XXXX to file another notice of trustee sale in violation of the automatic stay in Bankruptcy my wife XXXX XXXX had to file. XXXX has over $ XXXX in an escrow account from the XXXX XXXX XXXX XXXX of this year and they have not sent me the check to repair my damaged roof and it is starting to rain. Can you please help us to solve this problem. There is a broken chain of title and they can not prove they own the note nor the deed of trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
i linked both my cash app account and XXXX  account in XX/XX/XXXX XXXX took XXXX fron me account. XXXX XXXX is affiliated with Cash App. XXXX conducted an investigation from XX/XX/XXXX XX/XX/XXXX The investigation was ruled in my favor. from XXXX to XXXX internally reached out to cash app advising them of the outcome. according to policies and procedure Cash app had to pay XXXX XXXX and was given 75 business days to respond to XXXX. Cash app didn't reach out to me and that goes against the The BEll law because had they done that they wouldve found out there was a indentity theft report on file. The customer service is horrible. I have tried many of time to have both XXXX  and cash app on a conference call and cash app hangs up stating they can not be recorded on a call the stated a manager would call me back and nobody ever does why are people from overseas dealing or trying to assist with American currency if there form of currency is not American currency. XXXX ( provisional credit ) XXXX ( chargeback ) but if the investigation was ruled in my favor why still the attempt to collect the funds i will be pursuing for the final cost XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: FL

Complaint narrative:
On XX/XX/year>, I initiated a request with Experian to block specific accounts on my credit report, asserting these accounts were fraudulently opened due to identity theft. Experian, on XX/XX/year>, formally notified me of its decision to decline the blocking request subsequent to its investigation with the relevant creditors. I had provided comprehensive documentation in support of my claim, consistent with the requirements of 15 U.S.C. 1681c-2 ( 605b ), which included, but was not limited to, a copy of my driver 's license, a utility bill, an official identity theft report, a police report, and a detailed communication specifying the accounts to be blocked, inclusive of account numbers and balances, as explicitly requested by Experian.

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 2025-10-07 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:
On XX/XX/year>, I initiated a request with Experian to block specific accounts on my credit report, asserting these accounts were fraudulently opened due to identity theft. Experian, on XX/XX/year>, formally notified me of its decision to decline the blocking request subsequent to its investigation with the relevant creditors. I had provided comprehensive documentation in support of my claim, consistent with the requirements of 15 U.S.C. 1681c-2 ( 605b ), which included, but was not limited to, a copy of my driver 's license, a utility bill, an official identity theft report, a police report, and a detailed communication specifying the accounts to be blocked, inclusive of account numbers and balances, as explicitly requested by Experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax Noncompliance with FCRA 605C Refusal to Accept Valid Victim Determination Documentation I am a survivor of XXXX XXXX  exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c3 ( Section 605C ).

I submitted to Equifax : Proof of identity and address, A written request to block XXXX-related adverse information, and Victim determination documentation a signed letter dated XX/XX/year>, from the XXXX XXXX Police Department Special Victims Unit ( SVU ). 

The letter, signed by Detective XXXX XXXX, states : This letter is to confirm that XXXX XXXX is a victim of XXXX XXXX as defined under applicable federal and Tennessee state laws. This letter is being issued at the request of the victim for the purpose of supporting a legal claim under Section 605C of the Fair Credit Reporting Act ( FCRA ).

Section 605C ( b ) ( 1 ) ( B ) ( i ) defines victim determination documentation as : documentation of a determination that a consumer is a victim of XXXX, made by a Federal, State, or Tribal governmental entity.

My letter is issued by a State governmental law enforcement entity ( XXXX XXXX Police XXXX ). It clearly qualifies under the statute. 

Equifax has no legal authority to reject the contents of a valid victim determination letter. Under 605C, a credit reporting agency may only request additional information if the consumers identity can not be verified. My identity has been verified.

Equifax is unlawfully refusing to accept my police letter and falsely claiming that I have not provided victim determination documentation. This is a direct violation of 605C, which requires blocking within four business days. 

This letter is on official XXXX XXXX Police Department letterhead, signed by a detective, and meets the statutory definition of victim determination documentation under 15 U.S.C. 1681c3 ( b ) ( 1 ) ( B ) ( i ), which explicitly includes determinations made by a State governmental entity.

Despite receiving this documentation, Equifax continues to reject my letter and falsely claims that I have not provided a valid victim determination document. Equifax is refusing to block XXXX-related adverse information from my credit file, in violation of federal law.

I request CFPB enforcement to : Compel Equifax to comply with 605C and block the XXXX-related information, Confirm that law enforcement victim determination letters satisfy the statute, and Ensure Equifax ceases its unlawful practice of second-guessing government-issued victim determinations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: GA

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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I am writing to formally express iny concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately XXXX informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: AP

Complaint narrative:
I signed up for a credit building service in XXXX to improve or build my credit. after missing a payment nearly 2 years ago, the company reported it was a late payment. this account was not a traditional loan, credit cart or bill, and the reporting is inaccurate. i have contacted both both company and credit bureau bureaus but the negative mark remains. 

I am requesting CFPB assistance in having this inaccurate late payment remove from my credit reports as it is unfairly damaging my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: Creditly Corp.
State: MS

Complaint narrative:
Account was charged twice I called XXXX  said they would contact the business that charged me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
XX/XX/2023 a charge was made from my chime ( XXXX XXXX ) account for {$1000.00} to XXXX XXXX XXXX where I never received the service. I reached out to chime SEVERAL times where they tell me they are working on the issue and I will recieve an email with what their finding are from an investigation and that could take up to 90 days. I have attempted to resolve this issue times and time again waiting on the phone and waiting for an investigation and refund. I have yet to receive my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: WA

Complaint narrative:
I am submitting to formally dispute several inaccurate or unverifiable items currently reported on my credit file. These include charge-offs, collections, and inquiries linked to disputed or unauthorized accounts. After careful review of my credit report, I believe the information listed below is either incomplete, inaccurate, or not verifiable as required under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX, XXXX XXXX, WA, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : XXXX XXXX XXXX  XXXX Balance : {$460.00} XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Under FCRA 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any item I believe to be inaccurate or incomplete, and to request that the credit reporting agency conduct a reasonable investigation. Additionally, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that all information included in my credit report be reported with maximum possible accuracy. FCRA 623 ( a ) ( 1 ) ( A ) also prohibits data furnishers from reporting information they know or should know to be 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 non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: MN

Complaint narrative:
I opened a checking account at US Bank so I could receive direct deposits from both of my jobs. At that point, I asked the bank executive, who was about to sell my house in XXXX, if there was a problem since it would be a large deposit. They told me no, as there were already intermediary banks in charge of investigating where the funds were coming from. So I went to XXXX, sold my house, and on XX/XX/XXXX I sent {$62000.00} to my US Bank checking account from my XXXX bank account. Since I wanted to earn returns from that account, I opened an online savings account to which I deposited {$60000.00}. Then I withdrew {$30000.00} in a check that was deposited in XXXX XXXX in my husband 's name. After those transactions, I wanted to make a transfer from my checking account to my savings account and it appeared that I couldn't because it was blocked. I called the bank and they told me that the account was under investigation and that it was going to be closed by the bank 's decision after the investigation. I went to a bank branch and they told me that I only had to send my SSN, card, and ID and with that in three days I could use my account. For the same reason, they canceled my credit card due to fraud and they never notified me of anything. The bank didn't notify me of the block and the My account was closed. They never asked me for information to prove where my money came from. I haven't been able to use my money for two weeks, and today they told me the investigation could take 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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Im writing today about the numerous transactions discrepancies thats gone unresolved as a result of being a customer of Zelle. Numerous occasions I have tried to contact Zelle about funds that were moved by an unrecognizable source without any gratification of my sentiments. Zelle has repeatedly neglected my attempts to reach out with had grown to a point of emotional distraught added with the current inflated state of the economy. The CFPB lawsuit posed several great points in relation to this nation wide silent crisis. This company can not keep getting away with claims of safe secure money transfer but constantly leaving out vital information exposed to scam, hacks, & glitches.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. This is a formal complaint against APPLE CARD/GS BANK USA a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. APPLE CARD/GS BANK USA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AP

Complaint narrative:
I made a fraud claim with Navy Federal about transactions on my accounts that I did not authorize. They denied my request claiming it was authorize and told me they would mail the documents that they used to determine their decision. I made an appeal with them on XX/XX/XXXX to reopen and reinvestigate my claim and after 39days of waiting I recieved no response or any provisional funding for my account. I reopened the case again for a 2nd Appeal claim on XX/XX/XXXX just to try and get another response from them and addressing my first appeal and after 9days of waiting they denied me again. They did not provide me the documentation I requested for nor during the duration of my first appeal ever provide me any updates or provisional funds in the meantime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I'am writing to formally express my concerns regarding XXXXXXXX XXXX handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB 's findings indicate XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation