vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
The amount for the car was paid off the dealership jacked up my interest rate knowing the car wasnt worth that amount

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
I have been with Mohela since XXXX. The last two years XXXX I was a XXXX XXXX  and XXXX XXXX XXXX taking 2 online courses. I was automatically placed on Forbearance. I called and requested multiple times to be placed back again on the monthly payments so that those months would count towards PSLF. I called and sent emails and nothing was done. Now I have lost 2 years that could have been applied toward forgiveness because they ignored my requests. It seems as though they have purposely kept me on the loans and made it difficult for me to get the loans forgiven. I only have 40 more payments left and need them to put me back on a payment plan as soon as possible. 
I have attached a copy of two messages sent to the provider with no resolution.

Company response to consumer: In progress
Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Exto Inc.
State: GA

Complaint narrative:
Atlas App, Exto, Inc. 

I have been asking them for a few weeks to close the account instead of closing the account.They initiated another money transfer.I had already removed my debit card and they were telling me my account was not accurate and was put on hold because I removed the card but yet they still initiated a money. Release of XXXX overdrawing my account. Because I was not expecting them to do that because I had closed the account. I asked them again today XX/XX/year> to close the account again.I was told another 3 to 5 business days. The problem is I still have not received a confirmation.Saying I initiated the closing of this account. So now I need your help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Collections agency continually places accounts on credit report for services that there is no signed agreement for and I never took possession of

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: MS

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

INQUIRIES in question : XXXX XXXXXXXX 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 2025-09-27 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
I received my paycheck direct deposit on Wednesday XX/XX/XXXX through my Chime Account. I have used chime for over XX/XX/XXXX years, have never given any of my information out and Thursday XX/XX/XXXX at XXXX there were XXXX unrecognized transactions draining my entire account worth {$2200.00}. XXXX separate transactions all to CashApp XXXX XXXX I do not know a XXXX at all and they left me with {$1.00}. I got in contact with Chime and they disputed it, but say it could take until XX/XX/XXXX2025, and werent much help on reassuring me I would even get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nathan & Nathan, P.C.
State: TN

Complaint narrative:
Sometime around XX/XX/year> I received a copy of a motion filed by Nathan & Nathan Law located in XXXX AL firm to extend a judgement they were awarded in XXXXThey were attempting to collect the remaining balance of a debt saying the judgement had not been satisfied. They represent XXXX XXXX. This motion was dated XX/XX/XXXX. I had 30 days to respond to this motion. I responded to the motion on XX/XX/year>. I took a copy of my response to the court clerk on that day. I also mailed a certified copy to Nathan & Nathan Law firm the same day. I have the certified mail receipt to prove this. They also verified receipt of my response via telephone. 
XX/XX/year> I received a Notice of Case setting for XXXX XXXX this was dated XXXX XXXX. I was fully prepared to take this to court as I was working with a past employer to verify payroll records where my pay was garnished for this debt. 
To my surprise and detriment on XX/XX/XXXX I received an Order Extending Judgment from Nathan & Nathan stating that I had not filed a response to the motion within the 30 days. This was dated on XX/XX/year>. I have since called and spoken to someone at the firm about this and their response was that they were granted the judgment, and proceeded to try to collect the debt. It is my belief they are going to attempt to garnish my wages without me having been given my chance in court to dispute their claims.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NY

Complaint narrative:
Earlier this year my cashapp account was hacked and my phone number, password and email were all changed. I called immediately to notify my account was actively being broken into. After gaining back access I then saw my entire check transferred tk someone else. Then almost 5 months after they closed my account. No refund at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: MO

Complaint narrative:
Transunion, Equifax and Experian are all illegally reporting nonpublic private information. I never gave them consent to report on my consumer report in accordance with the requirements of the GLBA. I have officially filed a fraud report with the FTC to have XXXX  and XXXX  Investigated. By law, XXXX  and XXXX  and or the credit reporting agencies are to block this information within 4 days from receipt of this notice. If this information is NOT deleted within 4 days, I will be moving forward with filing a lawsuit.

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 2025-09-27 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: MO

Complaint narrative:
Transunion, Equifax and Experian are all illegally reporting nonpublic private information. I never gave them consent to report on my consumer report in accordance with the requirements of the GLBA. I have officially filed a fraud report with the FTC to have XXXX  and XXXX  Investigated. By law, XXXX  and XXXX  and or the credit reporting agencies are to block this information within 4 days from receipt of this notice. If this information is NOT deleted within 4 days, I will be moving forward with filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX debuted my XXXX savings account via my debit card in the amount of {$2500.00}. While disputing this with the bank at first they simply rejected my claim on XX/XX/XXXX. I called to check the reason for rejecting the claim they said we can not help you and I would have to contact the merchant directly. Why would I have to contact merchant directly when Citibank is my bank and its their job as they are my bank and not the airline XXXX XXXX. This is completely outrageous and unacceptable. Please see additional review of my claim letter sent by the bank to me on XX/XX/XXXX. The merchant has already charged me on my other cards so theres no reason for them to charge my Citi debit card just because it was there on file with them. Please see proof of both the debits done by the merchant on my other debit cards. Theyve charged me {$3200.00} + {$1900.00} already

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 2025-09-27 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: SC

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe may have been compromised as a result of the data breach affecting Equifax. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete any and all items that may have been affected by this breach, as they can not be verified as accurate or legitimately associated with me.

The specific items I am disputing include : Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> I made a purchase of {$7.00} on XXXX using Capital One Offers, which offered a return of XXXX miles. On XX/XX/year> I signed up for a Free Trial on XXXX  using Capital One offers, which offered a return of XXXX miles. On XX/XX/XXXX and XXXX, 2025 I received emails saying that both of these purchases qualified and that my miles are on the way. A few days after, these offers were marked ineligible on my account despite my qualifications being well within the terms of both offers. This is false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I was misled about a research assistant Job at XXXX XXXX university for my cousin and they had sent a check which bounced and they said to buy supplies and to buy supplies can ti transfer the money and he will send the money with the first pay check. 

I had sent {$1000.00} via zelle on XX/XX/XXXX and {$500.00} via zelle on XX/XX/XXXX This is the email id of the scammer account to which {$1000.00} was sent : XXXX This is the XXXX number of the scammer account to which {$500.00} was sent : XXXX XXXX XXXX I have also filed a police report about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally request the removal of certain negative items from my credit report maintained by Equifax and TransUnion, in light of recent legal action and settlement agreements involving TransUnion & Equifax and its reporting practices.

As you are aware, TransUnion & Equifax was involved in a lawsuit alleging inaccuracies and failure to properly investigate disputed information under the Fair Credit Reporting Act ( FCRA ). In accordance with the terms of the settlement and the rights afforded to me under the FCRA, I am requesting a reinvestigation and removal of the following item ( s ) from my credit report : Creditor Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Creditor Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Reason for Dispute : Account does not belong to me, inaccurate reporting. 

These negative items are either inaccurate, unverifiable, or unfairly damaging to my credit profile. Under Section 609 and Section 611 of the FCRA, I am requesting that TransUnion : Provide me with a detailed method of verification for the above-listed accounts, including the name and contact information of the party who verified the data. 

If the account can not be verified, please remove it from my credit report immediately. 

Send me an updated copy of my credit report showing the results of your investigation and any changes made

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: NC

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 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. Code 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 shalli ) 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 : Experian XXXX XXXX Account name XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$470.00} written off. {$200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$470.00} Terms - Account name XXXXXXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit {$400.00} Highest balance {$420.00} Terms - * Equifax Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Revolving Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account Revolving Account number XXXX Date opened XX/XX/XXXX Account type Collection Account Status Unpaid Status updated XX/XX/XXXX Account number XXXX Date opened XX/XX/XXXX Account type Collection Account Status Unpaid Status updated XX/XX/XXXX * TransUnion Account number XXXX Date opened XX/XX/XXXX Account type Open account Status -Status updated XX/XX/XXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Revolving account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/year> alerted to unusual activity on credit card by Bank of America. Disputed charge online after signing into my account. Account closed and new card issued. 
Email received from seller [ XXXX ] re : order read to pick-up. Called XXXX to alert to fraud. XXXX issues credit for one of the two items ordered. Advises that the first order had been picked up at XXXX XXXX in XXXX, XXXX  XX/XX/year> - email from XXXX case # XXXX documenting phone calls. Providing order numbers XX/XX/year> Bank of America issues temporary credit for both orders totaling {$3000.00} XX/XX/year> Bank of America confirms merchant credit in the amount of {$1500.00} XX/XX/year> Bank of America denies claim # XXXX XX/XX/year> - Claim reopened after I claimed that I had never been given the opportunity to submit my documents supporting that this was fraud. Representative stated that all documents would have to be faxed from a Bank of America branch [ closest branch is XXXX miles round trip ]. 
XX/XX/year> supporting documents provided to Bank of America XXXX in XXXXXXXX XXXX. Bank officer suggested handwritten statement which was completed at that time and included in the packet of faxed documents. She also suggested a Police Report. 
XX/XX/year> Police Report filed with XXXX XXXX XXXX of the XXXX XXXX XXXX 's Department XX/XX/year> - XXXX second packet of documents that included the police report were taken to the XXXX Branch of Bank of America and faxed. Successful receipt of fax documented in an email to the bank employee that helped me. 
XX/XX/year> Email received stating that my claim had been denied given that I had received the merchandise. 
PLEASE NOTE ; XXXX XXXX  is XXXX miles from there I live in XXXX XXXX. I have not shopped with XXXX XXXX for about a year. Last time I believe I made any purchase from XXXX XXXX was in 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 2025-09-27 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: CT

Complaint narrative:
I am suffering seriously as a victim of identity theft. All this has nothing to do with me, and yet I am the victim of this ongoing fraud. Daily, it drains my mental and emotional strength. The fear, stress, and exhaustion have become intolerable. I am helpless, and this ordeal is consuming every part of my life. I implore you please, in the interest of my well being BLOCK and REMOVE these scam items instantly. the following elements were included in this FRAUD : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX - Account number XXXX opened in 2022

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 2025-09-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Michel Law, LLC d/b/a Level One Law
State: NY

Complaint narrative:
I was enrolled in a debt solution company called Level One Law. I was with them for about 2 years. I paid about $ XXXX and then they folded. The money that I paid did not cover the accounts that were settled, and were still a few accounts left to settle. I can't get in touch with anyone there.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On or about XX/XX/year>, I requested my free annual credit report from TransUnion through XXXX. Instead of providing my credit report, TransUnion mailed me a letter dated XX/XX/year> ( XXXX XXXX XXXX ) asking me to send in proof of address and Social Security number again. 

This is unnecessary and unreasonable because I have previously verified my identity and legal name with TransUnion on multiple occasions. I have already mailed copies of my drivers license, Social Security card, and proof of address in the past, and I even filed a prior CFPB complaint where TransUnion accepted my documents and verified my identity. 

I should not have to repeatedly send sensitive identification documents every time I request a copy of my credit report, especially after my legal name ( XXXX XXXX ) has already been verified. TransUnions repeated refusal to release my report, and continued errors using my former name, violate my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681g ( a ) ), which requires them to provide consumers a copy of their credit report upon request and proper identification. 
This is an ongoing issue. TransUnion has repeatedly requested redundant documentation and has not provided my credit report as required by law. I am seeking CFPB assistance to ensure I receive my credit report promptly and that my legal name and identity remain properly updated in their records.

Company response to consumer: Closed with explanation