vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
I got an offer for an Indigo XXXX XXXX XXXXXXXX. No hard inquiry unless approved. I clicked apply and got a congratulations with no details. I registered online to find out what the terms were and its not at all what was advertised and something I would have declined if given a choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding the improper and unauthorized use of my personal information by Capital One. 

Recently, I discovered that a hard inquiry was made on my credit report by Capital One, despite the fact that I have never applied for any credit card, loan, or financial service from this institution. I am not a Capital One customer, nor have I ever authorized them to access my credit report or use my personal information in any manner. 

It is my strong belief that my personal data was fraudulently obtained and misused, possibly as part of an identity theft scheme. As a result, I am extremely concerned about the security of my financial identity and demand urgent action.

I respectfully request the following : 1. A forma
l investigation into Capital Ones actions in this matter.

2. That Capital One be instructed to : Cease all use and processing of my personal data. 
Permanently block my information from being used for any future services, correspondence, or promotional offers. 
Immediately remove the unauthorized hard inquiry from all credit reporting agencies.

3. That appropriate enforcement actions be considered to hold Capital One accountable for any violations of data protection or consumer protection laws.

I have already contacted the relevant credit bureaus and initiated a fraud alert. I am now seeking your assistance in ensuring that Capital One is held responsible for its role in this serious breach of privacy and trust. 

Please let me know if additional documentation is required. I would appreciate a confirmation of receipt of this complaint and any steps being taken to address the matter. 

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I am enrolled in the XXXX XXXX and my federal student loans are serviced by Aidvantage. My account currently shows a 0 % interest rate, with interest scheduled to resume on XX/XX/year>. However, Aidvantage has not sent any notificationby email, letter, or account alertinforming me or other borrowers about this upcoming interest resumption. 

This lack of clear communication makes it difficult to plan finances and understand changes to loan repayment terms. I have reviewed my account regularly and received no official updates explaining when or how interest will resume, or what the new interest rate will be. 

I have requested Aidvantage to : Provide at least 21 days advance written notice before interest resumes. 

Clearly explain the exact date when interest will resume. 

Disclose the new interest rate and how it will affect monthly payments. 

Ensure all borrowers receive timely, transparent notifications of such changes. 

Reverse any retroactive interest charges if proper notice is not given. 

I believe loan servicers have a responsibility to provide timely, clear notice of such significant changes to borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I deposited a {$2300.00} check via XXXX XXXX XXXXXXXX mobile banking app. The check was issued by XXXXXXXX XXXX On XXXX [ insert date ], I confirmed with XXXXXXXX XXXX  that the check had cleared and funds were fully available for withdrawal on their end. Despite this, Bank of America placed a hold on the deposit and refused to release the funds. 

I contacted Bank of America multiple times requesting release of the funds, citing that the check was not subject to any exception hold as defined under Regulation CC ( 12 CFR 229.13 ). I specifically requested : An explanation for the hold, A copy of the hold policy used, The exact regulatory exception being applied, and Escalation to a supervisor or the deposit operations team. 

Bank of America failed to provide valid reasoning and denied my request. I also informed them that holding verified funds after confirmation from the issuing bank may constitute a violation of federal banking law. No further resolution was offered.

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 2025-07-17 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NJ

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-07-17 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: OH

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
The accounts in question were opened fraudulently and without my knowledge. I request they be removed from my credit file within XXXX days pursuant to XXXX XXXX. Evidence is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NCD Financial, LLC
State: TX

Complaint narrative:
The information reported under this account may be outdated or inaccurate. I request a reinvestigation and update or removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: Atlanticus Services Corporation
State: TX

Complaint narrative:
The information reported under this account may be outdated or inaccurate. I request a reinvestigation and update or removal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( XXXX XXXX XXXX  ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: IL

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. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
on XX/XX/year> my boyfriend sent me {$30.00}. His phone is messed up and he tried put phone bill in the note and it autocorrect to XXXX. My cashapp was flagged for XXXX activities. I emailed them they emailed me back stating they were working on it. i did everything they asked me to do. I received an email stating my cashapp issue was resolved and account is able to be used. I still cant use my money on my account. My account is frozen. When i call or chat with cashapp they escalate then telling me someone will email me back. I am now not getting emails and no one is helping me with this issue. I don't know what to do to get my money back and my account unfrozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened a new checking account with Citibank and completed all required Enhanced Direct Deposits by XX/XX/year>. The promotion terms stated that the bonus would be credited within 30 days of fulfilling the requirements. However, Citibank has repeatedly delayed payment, changed the interpretation of their own terms, and provided inconsistent answers. Despite waiting beyond 90 days, the bonus has not been issued.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-17 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: TX

Complaint narrative:
I did not request or approve these actions, which might be fraudulent. Please investigate and resolve immediately. Relevant records are attached.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading

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 2025-07-17 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: MD

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$7300.00XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$830.00XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} INQUIRIES : XXXX XXXX Date : XX/XX/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 2025-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
Due to unemployment, I requested forbearance from AmeriSave around XXXX XXXX. I was approved for XXXX months XXXX XXXX XXXX XXXX ), and then approved for a XXXX extension ( XXXX XXXX ). Throughout this time, communication with AmeriSave was poor and inconsistent despite my constant outreach to their Loss Mitigation department. 
Before the forbearance ended on XX/XX/XXXX, I requested a loan modification. I was told no payments were needed during the review period until the trial period began. However, I resumed paying my full monthly mortgage ( {$4500.00} ) for XXXX and XX/XX/XXXX to show good faith and my intent to bring the account current. 
In XX/XX/XXXX, I received a loan modification offer with grossly unreasonable terms : a higher monthly payment ( {$4500.00} ), an extension of XXXX months, and an increase of over {$200000.00} to my mortgage balance. I did not accept this offer and asked about alternatives. I was told I didnt qualify for deferment or a repayment plan due to my unemployment status at the timeeven though I was actively seeking resolution. I was then told about a Mortgage Assistance Request Application that I could submit which I did. 
On XX/XX/XXXX, my Mortgage Assistance Request was confirmed as complete and under review. I was again told no payments were required during the process. Despite this and my on-time payments in XXXX and XXXX, XXXX reported my account as XXXX days late to credit bureaus. This severely damaged my credit and blocked me from refinancing with another lender, even though my hardship has ended. 
To this day, I have received no written decision on my Mortgage Assistance Request. Im seeking correction of the late payment reporting, reinstatement of my loan to current, and a written response outlining all available resolution options.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I am submitting this complaint because Lakeview Loan Servicing has refused to provide me with the opportunity to apply for a new loan modification. 

On a recent call with their representative XXXX, I was informed that I could not be reviewed for a new modification because I had previously been approved for XXXX on XX/XX/XXXX, with a payment of {$2100.00} and an interest rate of 7.375 %. 

However, my current financial situation has changed, and I am making a legitimate and good faith attempt to re engage and resolve my mortgage situation. I asked to submit updated financials and begin a new review, but they refused to send me any application or forms to start the process. 

In addition, I was told that I do not qualify for a Partial Claim because I have already used the maximum amount allowed ( 30 % of the principal ), with the last Partial Claim being approved on XX/XX/XXXX. While I understand the limitation with Partial Claims, I am still requesting to be considered for a new modification based on my updated financial hardship not necessarily for another Partial Claim. 

I believe that denying me the ability to even apply for assistance is unfair and not in line with responsible servicing practices. A borrower should be given the opportunity to submit a new application and supporting documents, especially when facing continued hardship and willing to resolve 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 2025-07-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: OH

Complaint narrative:
I tried to get an apartment and they denied me. Some place in Kentucky i have never been put a lien on my credit. I have reported it to all XXXX credit bureau 's to be investigated. This is not the XXXX time this has happened. Please do anything you can so the XXXX credit bureau 's can take this off my credit. I am a XXXX veteran and i am having to live in hotels till i cant afford it any longer. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are several inaccuracies on my credit report

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