vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
As someone who has consistently paid on time, I find this late payment marking to be both incorrect and misleading. Please remove it and update my records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: SC

Complaint narrative:
I had an account with {$400000.00} at PNC Bank. They assigned me a financial advisor, XXXX XXXX, through the bank. In approximately XXXX 2021 XXXX went missing from my account though no transaction showed that amount. At this time, the financial advisor disappeared, wouldn't take any calls from me and I was assigned a different one. I haven't heard from the original advisor since. I didn't realize the money was missing immediately because my stepdad passed, I was busy planning a funeral and mourning. I have had hundreds of thousands stolen from this account through cash app, XXXX and fraudulent transactions. PNC has only refunded me {$3000.00} this far. PNC was also charging me repeated fees of {$3.00} Everytime I transferred money within the wallet account they advised but didn't advise if the {$3.00} for every transaction. This resulted in thousands in fees and they only refunded approximately {$300.00} of those fees. I attempted to work with the bank and requested they do an investigation, but they were only willing to send previous Bank statements and gave me the responsibility of finding and tracing these fraudulent transactions. I have attempted to have this investigated since 2021 but my life was being threatened by the people stealing from my account. I made several police reports with no results. There are transactions through cash app that show me sending large amounts of {$30000.00} and XXXX etc, that didn't send and others through XXXX also. I believe the PNC employee is involved with the others who stole from my account and certainly had a part in the initial {$20000.00} missing. Please help. I have no money left for a private investigator and PNC won't investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I had an account with Synchrony Bank via their " XXXX XXXX  '' that I purchased a XXXX on in XXXX of XXXX. I had 0 % for 12 months. Ive never been late nor have I ever missed a payment with them. I paid the balance in full the day before the promo ended. ( let me mention, that they are one of a very small handful of places that will charge you the deferred interest, most places go from the date the promo expires ). 

I noticed my payment was still pending and had not posted as of XX/XX/XXXX when i submitted my payment on XXXX well before XXXX EST. I was told to " give it more time. '' I woke up to an email saying the payment had posted, and another email that said my account was closed. The reasons cited were a credit score they pulled in XXXX, other card balances, and not having any real estate loans ( I dont own a house! ). 

Upon ranting on XXXX many others have that same issue. Some of the people who replied have scores in the low to mid XXXX and were closed down if they paid their balances in full. It seems to me that this company preys on people hoping they cant pay it off in time before they charge you 34.99 interest. I have a CareCredit card issued with them, no issues, not been closed and has a huge limit. Previously they closed other care credit accounts for random reasons, only to make you re apply. I was physically in a waiting room of an XXXX XXXX XXXX to have XXXX XXXXXXXX once to find out they closed my care credit the night before! I had to fight them to reopen it. 

In the end, I am attempting to rebuild my credit, I thought paying off my XXXX XXXX  would help because it would show {$0.00} balance instead I have a closed account which lowers my score and increased my debt to income ratio. 

I understand, having worked in banking for a very long time that creditors can choose to close your accounts, but this company seems predatory with how/when they make these decisions.

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 2025-07-15 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: KY

Complaint narrative:
The company is CashApp. My boyfriend sent me lunch money on XX/XX/year> with the subject line ( as a joke ), for the donation you wanted to make to XXXX. he now realizes that that was not a funny joke, but we immediately responded to CashApps request for clarification and they have been nonresponsive for three weeks. We have reached out dozens of times on both of our ends and we have been told that they have escalated the case and been given reference numbers, but then they disconnect us from support when they can not provide any other details after all this time. My boyfriend has over {$2500.00} in his CashApp that has caused his bank account to overdraw dramatically. I have {$13.00} in my CashApp account, but it is my money nonetheless. My name is XXXX XXXX XXXX CashApp handle is $ XXXX ) and his account is XXXX XXXX ( handle $ XXXX ). We are filing this complaint in the hopes to get our accounts unfrozen as we admittedly, stated that the subject line was chosen in poor taste, but we were very prompt in explaining this. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-07-15 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:
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 2025-07-15 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: CA

Complaint narrative:
The reported late payment is an error and contradicts my history of punctual payments. Please update my account to reflect accurate and fair information.

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 2025-07-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
A mXXXX XXXX XXXX had done in XXXX was wrung up by the secretary at XXXX XXXX XXXX under the wrong code. It was entered as a " pay no interest for 1 year if paid in full ''. XXXX XXXX XXXX has since closed and no longer operates to correct the code and eliminate the interest and late fees for not paying it in full within XXXX XXXX XXXX XXXXXXXX the interest payment was more than the actual payment itself. The interest is based off the amount charged in the account. Paying by auto pay to not miss a payment or lapse in any way I did not notice the amount of interest that was accumulating. Minimum payment due was only adding to the amount owed in the account. Care credit will not change or adjust anything at all. They are saying XXXX responsible for XXXX in interest because someone else entered a wrong code.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Recently, I did an Investigation on my credit report and found several Items on there to be inaccurate. 

Under 15 U.S 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BitGo Holdings, Inc.

Complaint narrative:
Urgent Complaint Regarding Delayed USD Wire Transfer from XXXX via XXXX XXXX To Whom It May Concern, I am writing to file a formal complaint against BitGo, Inc. and XXXX XXXX XXXX XXXX XXXX XXXX concerning a USD wire transfer initiated over XXXX month ago from my XXXX  account to my XXXX XXXX  account in the XXXX. 

Despite confirmation from XXXX that the funds were successfully sent via XXXX XXXX as the intermediary bank, no funds have been received to date. I have followed all verification steps, completed XXXX, and provided full banking details including XXXX and XXXX. XXXX has only provided XXXX and XXXX codes but refused or failed to provide a XXXX code, which is essential for tracking the transfer internationally. 

Repeated requests to both XXXX and their partner bank have gone unanswered or unresolved. This delay is unacceptable and has caused financial and XXXX XXXX. I believe there has been gross negligence in processing and following up on the transaction. 

I request that your office investigate this issue promptly and ensure full accountability from both institutions. I am available to provide all related documents, screenshots, email communications, and transaction details upon request. 

Thank you for your attention and support. 

Sincerely, XXXX XXXX XXXX Email : XXXX Location : XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
I am filing this complaint against the cryptocurrency platform XXXX  XXXX XXXX XXXX, due to their failure to provide timely and effective customer support regarding a frozen account issue that has now persisted for over a week. 

For context, my account was originally registered under the name XXXX XXXX. However, I was legally divorced in XXXX of XXXX and returned to my maiden name, XXXX XXXX. I have provided Gemini with all relevant and legally recognized documents to prove my identity and confirm that I am the rightful account holder, including : My current government-issued ID with my updated name and address My previous ID showing my former legal name ( XXXX ) XXXX copy of my divorce decree, stamped and finalized, verifying my legal name change All other documentation Geminis support team requested On or around XX/XX/XXXX, I contacted Gemini Support to request that a freeze be placed on my account after receiving suspicious text messages that appeared to be phishing attempts. I was concerned about unauthorized access, so I proactively asked Gemini to secure my account. 

On XX/XX/XXXX, I have repeatedly submitted identity verification documentation to unfreeze my account, including : A valid government-issued ID with my current address Previous ID showing my former legal name and address A divorce decree verifying my name change Any additional documents theyve requested Despite this, I remain locked out of my account, with no meaningful response from Geminis support team. Ive submitted multiple support tickets : Ticket # XXXX Ticket # XXXX Ticket # XXXX Ticket # XXXX Gemini has only sent vague, inconsistent replies, with no follow-through or resolution. I've received messages from XXXX XXXX XXXXXXXX XXXX XXXX neither has resolved my issue or responded to further inquiries. 

I believe this lack of access to my financial account, combined with Geminis near-total absence of customer support, poses a serious risk to consumers. There is no phone number to call, no escalation path, and no way to get my issue resolved through normal channels. 

I am requesting your help to : Prompt Gemini to immediately unfreeze my account. 

Require Gemini to implement clear, accessible support practices for account access issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I applied for a personal loan through Sofi. I received a decline letter with an adverse action of " unable to verify the identity ''. I gave them a call they said the adverse action came from XXXX  and they can not change any decision, so hard inquiry went under my name.

I gave XXXX  a call they said my account was not active for some reason and they didn't give my info to Sofi. And immediately activated my account and told me to call Sofi and ask them to check again but Sofi told me once the letter is sent out they can not change any decision. So TransUnion wasn't able to provide my info for some reason which is weird because I have many trades including car loan, mortgage and more than a dozen credit cards.

XXXX  told me to file a complaint through CFPB so that they can remove my hard inquiry as impacted my credit for no reason.

I am requesting so that either XXXX  removes the hard inquiry or Sofi to re-evaluates my application without a second hard inquiry, as it didn't happen due to my fault.

I was a co-borrower for this application for my brother. If they clean my hard inquiry I need them to clean for my brother as well.

Details around the application. 
Date : XX/XX/year> Loan Type : Personal Loan Loan Amount : XXXX Lender : Sofi

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I need all documents you have on file for this account. I have submitted all of my paperwork and these companies have failed to follow.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
Creditor failed to report account is in bankruptcy. By the borrower.

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 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called capital one seeking assistance due to being laid off from my job. The first representative transferred me, the second one told me all they could offer is to wave the late fee for XXXX months. I asked to speak with a supervisor, and the supervisor said the same thing, that was the only thing they could offer me. I asked if I could get a transcript of the phone call conversation they said no because its capital one property. I asked if there was a hardship or financial assistance I could apply for, she said it was a questionnaire and after answering thats all they could offer me. I asked if my interest could be lowered for a period of time. They said not possible at the moment call back in a few weeks and ask again. There was no other assistance offered to me, I reiterated that both my husband and I lost our jobs and wouldnt be able to make payments. I do not want it to affect my credit or go to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-15 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CORELOGIC INC
State: OH

Complaint narrative:
and therefore, it should not appear in any consumer reports, tenant screening reports, or public records accessed by third parties.

Despite this, the sealed eviction is still : Appearing on my credit and/or tenant screening reports, Showing an outstanding balance, Being shared with potential landlords and property managers as public record.

This has caused repeated housing denials, emotional distress, and serious reputational damage. I have contacted the companies involved, but the sealed information remains visible and continues to be illegally distributed.

I am requesting : 1. Immediate removal of the sealed eviction from all reports.

2. A written letter confirming that the eviction was removed due to it being court-ordered sealed, which I can provide to rental properties to correct their records.

3. An investigation into the consumer reporting agencies that continue to share or display sealed information in violation of privacy 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
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
So I missed my promotional interest rate deadline without getting any notice. I spoke to them stating the only way I realize that it ended was when my credit card balance went up I was alerted through credit karma. I spoke to them and told them and gave them my email that I use to get statements. They replied with the email on file was incorrect. So therefore I never got a notice. 

I would like the interest rate taken off. Ive used this bank for awhile and have never had any issues paying. If this could be a XXXX time waiver that would be great. I called twice and was rejected. Its very unfair that I get charged when I had no notice that my promotion was about to end. Its 15 days past the end date and they will not give me a XXXX time waiver after using them for so many years. When they put the wrong email in for 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