vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I started receiving letters a few months from PayPal Credit ( Account # will be provided upon request ) informing me that I owe them money due to recurring fees of a lawn service I hired. When I called the Customer Service line I was told I missed payments which I never did. I verified it with my bank account ( XXXX XXXX  ). The representative claimed I also owed late fees and if they weren't paid I would be reported to a Credit Agency for further action. I wanted to know when I applied for this Credit account and I was told XX/XX/year>. I requested a copy of the application and was denied when the representative spoke to their supervisor due to " Privacy Reasons ''. When I pay for my quarterly lawn service I use the lawn care service 's PayPal account. I was told that if I wanted to dispute a charge with PayPal, I could submit evidence of a payment. The dispute resolution department would look into it, but it could take several months. I was further informed that in the interim I would still need to make minimum payments on the account until they fully look into it. I told the representative to immediately cancel my account even though an outstanding balance of {$190.00} remained. I called recently to determine the status of the account and I was told it was closed and no balance is due. PayPal illegally opened a Credit account on me and tried to get me to pay into it.

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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My company took out a business credit card with JP Morgan Chase. Supposedly the account became delinquent unbeknownst to my accounting department. Instead of having the lender reach out to my company, they arbitrarily closed the account. But it did not stop there, they subsequently closed my personal XXXX account that i have had for 30 years with them and they drove my credit score down by XXXX. XXXX followed suit by lowering all my credit card limits because of what Chase did. I don't much care that they closed the business account, but they had no right to close my personal account that has nothing to do with the business and destroy what I had on an impeccable credit score that i took to great lengths to insure was always perfect as perfect can be. I need to know what can be done to sanction Chase and for that matterXX/XX/XXXXfor doing something like this without consulting and advising what the deficiencies they saw so i can address them before such action could have been performed. Neither bank has made any effort to rectify this problem and I am hoping that you could help to get to the bottom on how ( 2 ) huge institutions can do this without being held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I am filing a complaint against Mercedes Benz Financial for reporting inaccurate and inconsistent information on my credit reports with XXXX XXXX XXXX XXXX The accounts in dispute are : ( XXXX ) Account # XXXX, opened XX/XX/XXXX late payment reporting is inconsistent across all bureaus, and ( XXXX ) Account # XXXX, opened XX/XX/XXXX, balance {$58000.00}, status open late payment reporting is inaccurate and inconsistent across bureaus. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) 1681i, 1681e ( b ), and 1681s-2, as well as Metro 2 reporting standards. Mercedes Benz Financial has failed to provide verification or documentation supporting the accuracy of these accounts despite disputes. I request that the CFPB require Mercedes Benz Financial to conduct a full reinvestigation, provide documentation verifying the accuracy of the accounts, and correct or remove any unverifiable or inconsistent information. The continued reporting of these inaccuracies is harming my credit profile and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC
State: IN

Complaint narrative:
I originally obtained a personal loan from XXXX Bank XXXX XXXX # XXXX ) for {$15000.00}. I was always on time with my payments. 

Later, LendingPoint contacted me and encouraged me to refinance into a larger loan, saying it would help consolidate my debt. On XX/XX/XXXX, I refinanced into XXXX # XXXX. The disclosures showed : Amount Financed : {$46000.00} ( after a {$3200.00} origination fee was deducted ) XXXX XXXX XXXX XXXX Finance Charge : {$60000.00} Total of Payments : {$100000.00} Monthly Payment : {$1400.00} for 72 months When I later experienced hardship, LendingPoint placed me into two temporary relief plans. Each time, unpaid interest was added back into my balance and the loan term was extended. 

On XX/XX/XXXX, I signed a Reduced Payment and Loan Modification Agreement. That modification : Capitalized {$9100.00} of unpaid interest into my balance Increased the total balance to {$57000.00} Set an XXXX of XXXX XXXX Required payments of XXXX XXXX Extended the loan to 161 months ( over 13 years ) Although it was described as a reduced payment plan, the payment only decreased slightly while the balance increased and the repayment period more than doubled. At nearly 30 % APR over 13 years, my payments will mostly go toward interest and barely reduce principal. 

This progression refinancing a performing loan into a much larger balance, then repeatedly capitalizing interest and extending maturity through relief and reduced payment plans has left me trapped in a cycle of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My NAME IS XXXX XXXX, the multiple names listed on my report are names by soliciting companies to my address ( s )! The credit bureau agencies know my state name due to the fact that I obtain " free credit reports '' via the government each year! 
For several years I have requested the many address to be removed from my account. I grew up and currently reside at XXXX XXXX XXXX XXXX since the age of XXXX. Addresses after graduating from college are as follows : 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 The addresses listed on my account were offices and patient home addresses that were actually " billed '' by my company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX in the states of XXXX XXXX XXXX XXXX, and XXXX  between the years XXXX. 

The offices were located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Patient Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There are other repeated addresses with incorrect states etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Netspend Corporation
State: MA

Complaint narrative:
I am not able to use the card for online purchases .. it will continue to deny my card no matter how long I wait to use it again after it denied it purchase the first time.. the company is saying it's a Mastercard policy to block people 's cards if they try to purchase something the COMPANY thinks is fraud and there's no way for me to prove it's not fraudulent... so I'm unable to use my card for online stuff all together.

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 2025-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MO

Complaint narrative:
This complaint is around Moneygram refund. I attempted to make an online transfer of {$1500.00} through Moneygram app on XX/XX/XXXX that failed in the app and was cancelled. The transaction authorization number is XXXX. Even if the transaction was cancelled the money was still deducted from my bank account. 
It had been more than a month that I've been trying to get my refund. Now the refund with reference no. XXXX been issued but for the state ofXX/XX/XXXX. I have already moved to a new state XX/XX/XXXX, so I'm not able to go back to XX/XX/XXXXto pick it up. 

I've talked to customer care many times to help me receive my refund right here in XX/XX/XXXX The solution they gave me is to go to the local Moneygram agent and have them call and amend or resolve the issue. I've gone and talked to local agents ( CVS,XX/XX/XXXX around me ) and they respond not having any access to amend the state and help me. The customer agent on call, advised the local agent that I need to go toXX/XX/XXXX to be able to get my refund. 

This is atrocious. I have laid options over options. Either transfer electronically to same bank where money was deducted from or allowXX/XX/XXXX living relatives of mine to pick the refund or amend the state toXX/XX/XXXX. No help!! This has been pain and so much trouble to customer trying to get just their money wrongfully charged back. Travelling toXX/XX/XXXX just to get my refund that would cost me so much to take flight or even to drive ( 15hours at least ), just to get my refund that was charged wrongfully through moneygram. 

The customer agents don't want to help. Provide and repeat same robotic to resolution again and again which I told them I tried and didn't workout. They hungup the call denying to transfer the call to corporate office. 

I need your help to escalate and resolve this matter and not let customer unfairly suffer due to incompetence of this kind of so called reliable entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: WA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items : Names : XXXX XXXX XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
. This submission is a continuation of my original complaint filed in XX/XX/year>. To date, Upstart has failed to provide a meaningful response. Their only communication has been vague assurances that a senior manager would reach out, conduct an investigation, and follow up with me. None of these commitments have been fulfilledneither directly with me nor through the CFPB as the intermediary. 

Despite multiple promises, I have not received any substantive explanation of what was investigated, what evidence was reviewed, or how conclusions were reached. Instead, Upstarts only response has been that they consider the matter resolved, that they are holding me accountable for the balance, and that they believe they followed all policies and procedures. At no point have they addressed my specific concerns about breached contractual obligations or broken internal policies. 

I have documented emails in which Upstart repeatedly promised to follow up or escalate my case, but those commitments were never honored. On the rare occasions when I attempted to initiate contact, I was met only with generalized statements that policies had been followed and that I remained responsible for the balance. 

By my understanding, Upstart has 60 days from the date of my original complaint to provide a complete and detailed response. Nearly one month has passed without any substantive progress, despite their claims that a thorough investigation has already been conducted. Their lack of transparency, accountability, and meaningful communication is precisely why I have escalated this matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint documents that I properly disputed the above account, the furnisher and bureau exceeded their response window, and later updates made the entry more derogatory rather than accurate. 
XXXX ) I disputed this account with TransUnion and the furnisher ( XXXX XXXX ) via certified mail. 
See Exhibit A ( Dispute Tracker with delivery confirmations ).

2 ) The furnisher/bureau did not provide a proper resolution within the required time window after receipt of my dispute. See Exhibit A deadlines and USPS confirmations. 
XXXX ) After my dispute, the tradeline remark was changed from " Paid repossession '' to " Profit and loss write-off, '' which is more derogatory and does not reflect the true status of the account. 
See Exhibit B screenshots. 
XXXX ) This post-dispute change caused a XXXX drop in my TransUnion score. XXXX  did not reflect the same change, showing inconsistency across bureaus. See Exhibit B. 
XXXX ) I also filed a CFPB complaint regarding this tradeline previously. This new filing documents continued noncompliance and harm despite my good-faith efforts. See Exhibit C ( prior CFPB submission acknowledgment ). 
XXXX ) Under the FCRA, furnishers and CRAs must conduct a reasonable investigation and correct or delete inaccuracies. Changing a remark to a more damaging status after a dispute, without substantiating documentation, does not meet those obligations.

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 2025-09-14 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: CO

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX _XXXXXXXX XXXX XXXX XXXX XXXX XXXX Theft Dispute  Request for Immediate Removal of Fraudulent Accounts.  Removal of duplicate inaccurate accounts.\n\nAttention Legal Department,\n\nI am writing to inform you that I have been a victim of identity theft. The following accounts listed on my credit report are not mine and were opened or reported fraudulently without my authorization or knowledge.\n\nFraudulent Accounts to Be Removed:\n\n Creditor NameXXXX 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 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 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 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  accordance with the Fair Credit Reporting Act (FCRA), I am requesting the immediate removal of these fraudulent accounts from my credit report. Enclosed you will find a copy of the police report I filed regarding this identity theft, along with a copy of my FTC Identity Theft Report.\n\nIn addition, I have included the following for verification purposes:\n\n A copy of my government-issued photo ID\n Two (2) documents showing my current address\n\nAs per FCRA Section 605B (15 U.S. Code  1681c-2), you are required to block the reporting of any information that resulted from identity theft within 4 business days of receiving proof of the theft.\n\nPlease remove these accounts effective immediately.\n\nThank you for your immediate attention to this matter.\n\nSincerely,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 2025-09-14 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: CA

Complaint narrative:
Issue : Cash App ( Square Inc. ) is unlawfully withholding my funds and closed my account without explanation. 

Narrative : Cash App has held funds in my account since XX/XX/year>, without providing a valid reason. After several support requests, the company closed my account entirely and has refused to release my money. 

Despite contacting them multiple times and filing a complaint with theXX/XX/XXXX), I continue to receive generic, scripted responses. Most recently, Cash App stated they had " provided an outcome '' and referred to their last reply as their " final response, '' even though no explanation or resolution was ever given. 

I was not informed of any policy violation or suspicious activity, nor was I offered any path to recover my funds or appeal the closure. I have asked for a clear explanation and access to my legally owned funds, but those requests have been ignored. 

I am requesting : A full explanation for the account closure The immediate release of all funds held A meaningful opportunity to resolve the issue Cash Apps lack of transparency and failure to resolve the matter is deeply concerning and may violate consumer protection laws. I am requesting the CFPB to intervene and help facilitate a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
Aidvantage is furnishing inaccurate information to the credit bureaus by reporting multiple student loan accounts as open, current, and deferred with balances owed. This is false because I paid these loans in full in XX/XX/year> with a {$14000.00} bank payment ( proof provided ). 

I have disputed this multiple times and furnished bank documentation. Despite this, Aidvantage has failed to correct the reporting to show Closed/ Paid in Full / {$0.00} Balance. Instead, they continue to furnish false information, which the credit bureaus are publishing. 

Aidvantage has never provided me with any actual proof, documentation, or details of who they contacted or what records they reviewed. In fact, the credit bureaus sent me contradictory responses, at one point claiming my dispute was illegible and then later claiming they had investigated. This demonstrates that my disputes were received but handled improperly.

Because of these errors, my credit score dropped more than XXXX points, XXXX of my credit card limits was reduced, I was denied an equity loan, and I have spent more than {$200.00} in certified mail costs and countless hours trying to fix this. This is a clear violation of XXXX duties under FCRA 623 to furnish accurate information and conduct reasonable investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: NC

Complaint narrative:
The XXXX XXXX XXXX and the credit bureaus are reporting multiple student loan accounts as open, current, and deferred with balances owed. This is inaccurate because I paid these loans in full in XX/XX/year>, with a bank payment of over {$14000.00} ( proof already provided ). 

I have disputed these accounts several times with all three credit bureaus. The fact that the accounts were recently updated proves my disputes were received. However, instead of correcting the reporting to Closed / Paid in Full / {$0.00} Balance, the bureaus changed them to current/deferred with balances, which is still false and misleading. 

Because of these errors, my credit score dropped by more than XXXX points, one of my credit cards reduced my limit, and I was denied an equity loan. I have also spent over {$200.00} on certified mail and countless hours trying to fix this problem. 

I am requesting that these inaccurate accounts be corrected to Closed / Paid in Full / {$0.00} Balance or deleted entirely, and that I be compensated for the financial harm, time, and expenses caused by these ongoing violations of the Fair Credit Reporting Act.

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