vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX DOB : XXXX Complaint Against TransUnion, Experian, and Equifax Re : XXXX XXXX  Account # XXXX I am disputing the collection account listed as XXXX XXXX, Account # XXXX on my credit reports. This account is inaccurate, and I do not owe this debt.

The credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by reporting this account without ensuring maximum possible accuracy and by failing to provide me with the required disclosures of my right to opt out.

The FCRA, 15 U.S. Code 1681 Congressional findings and statement of purpose, establishes that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce in a manner fair and equitable to the consumer. Reporting this collection account without proper disclosures or accuracy fails to meet that standard and violates federal law.

I request that this account be removed from all of my credit reports immediately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX DOB : 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 2025-09-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
An HSA account was opened by my previous employer XXXX with deposits by payroll deduction totaling approximately {$370.00}. I never had access to the account and did not have a debit card or other means of accessing the funds. In XXXX, XXXX HSA bank started deducting {$3.00} maintenance fees, which I couldn't resolve because I had no access to the account or funds. I finally was able to call for details and asked to get a debit card sent to me in XXXX, but it was never received. I turned XXXX in XXXX and could no longer make contributions into the account. 

In XX/XX/XXXX, I was finally able to get into to see the account online and discovered {$3.00} maintenance fees had reduced the funds available to less than {$130.00}. 

How can XXXX be allowed to open an HSA account and deposit funds from my paycheck to HSA Bank, but HSA bank not give me access to those funds for more than five years?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Block, Inc.
State: CA

Complaint narrative:
* * Company Youre Complaining About : * * * Cash App ( Square, Inc. / Block , Inc. ) * Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Product : * * Mobile or Digital Wallet ( Cash App ) I received a notification that my Cash App account had been closed due to an alleged Terms of Service violation. No further explanation or evidence was provided. I was informed that I could withdraw remaining funds but would lose access to all other services. 

This closure was sudden, arbitrary, and unsupported by any specific allegation. I have never engaged in fraud or misuse of the account. I believe this action is both unfair and deceptive and violates consumer protection laws.

My Concerns : 1. * * Lack of Disclosure * * Cash App refuses to identify which provision of its Terms of Service I allegedly violated, depriving me of any meaningful opportunity to dispute or appeal the decision.

2. Unfair Treatment Under the * * Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) * * and * * Unfair or Deceptive Acts and Practices ( UDAP ) statutes * *, financial service providers must act fairly and transparently. Terminating service without explanation while restricting account access is unfair and may violate federal law.

3. * * Potential Harm * * The abrupt closure of my account has caused financial hardship and reputational damage. I rely on Cash App for transactions and payments, and their refusal to provide a path for appeal has left me without recourse. 

* * What I Want : * * * A * * full written explanation * * of the alleged Terms of Service violation.

* Access to my * * account history, records, and remaining funds * *.

* * * Reinstatement of my account * *, or in the alternative, confirmation that closure was lawful and not arbitrary.

* Assurance that Cash App will comply with federal disclosure and consumer protection laws in handling account closures. 

Attachments : * BELOW IS NOTICE of account closure notice ( if available ). 
* Any prior correspondence with Cash App. 

Your Cash App account has been closed This happened because your account was linked to a Terms of Service violation. 
You cant access most features of the app, but youll still be able to withdraw remaining funds.

If you think this is an error, you may be able to appeal this decision. To start your appeal and learn more about the appeals process, contact support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank ( PayPal XXXXPayPal XXXX XXXX carried a balance of approximately $ XXXX. Beginning XX/XX/XXXX, an {$85.00} automatic payment was debited monthly from my checking account. I believed these PayPal-labeled debits related to routine PayPal purchases/subscriptions ( e.g., Amazon ) rather than a credit card minimum payment, I never got email statements or mail statements, I was unaware until i reviewed my credit report and bank account to only realize that im paying for a credit card. 

As a result, interest accrued for over a year and my principal barely decreased ; the total interest paid/assessed is now well over {$1000.00}. When I discovered this, I immediately contacted customer service. On XX/XX/XXXX, I spoke with several agents and last account manager XXXX at Synchrony/PayPal card support and requested a courtesy interest adjustment and review of any miscalculated interest. I explained the confusion : the bank debits appeared as PayPal transactions, not a clearly labeled credit-card autopay, and I had no meaningful notice that autopay was set to minimum payment, causing substantial interest despite on-time payments. 

The company declined to provide any accommodation or review. I am not alleging unauthorized purchases ; I am asking for help resolving an unexpected/ambiguous billing outcome caused by unclear labeling and autopay settings that were not evident to me until recently. 

I have since changed my payment settings to avoid further interest by stopping all payments until we reach a resolution. Last account manager spoken to was XXXX. 

Requested resolution : A goodwill/one-time interest credit or partial refund of interest accrued since XX/XX/XXXX ; until XX/XX/XXXX Confirmation that all interest and APR calculations were accurate ; correct any errors ; More transparent labeling of PayPal/Synchrony autopay debits ( e.g., Synchrony credit card paymentminimum ) and clearer prompts about autopay settings ; Written confirmation of the resolution. 

I wish to pay full payment of the balance after a resolution has been met.

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 2025-09-06 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: TX

Complaint narrative:
This complaint is not submitted in error. My credit report contains inaccuracies that fail the FCRAs maximum possible accuracy standard ( 15 U.S.C. 1681e ( b ) ). These errors are weighing on me and continue to cause significant financial and personal harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: TX

Complaint narrative:
This complaint is not in error. My credit report shows accounts I never opened or authorized. Their presence is inaccurate, misleading, and damaging to my credit.

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 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XX/XX/year> the SOFI checking bank account number XXXX belonging to me was restricted without no explanation, as fallows an email was sent to me which I follow up with a phone call to the customer service department, after brief conversation I found out that my account would be closed and that I had to wait 30 days to receive a check with the remaining money in the account. I explained that they can not have my money hostage for that long because I have bills to be paid, the total amount in the account is about {$1500.00} I need a solution to receive my money as fast as I can. The only explanation provided in a prior email as something about they detected something in my investment account? and the further more, they would send an email explaining the real reason. Honestly no heart felling, I know that I have done nothing wrong and all the transactions were documented, nevertheless I just want to know when I will receive my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
Complaint Against Cavalry Portfolio Services and XXXX I am disputing the collection account being reported by Cavalry Portfolio Services on behalf of XXXX. This reporting violates the Fair Debt Collection Practices Act ( FDCPA ) because I was not provided with my right to dispute the debt before it was added to my credit report. 

In XXXX XXXX XXXX, the court held that verification requires certification or attestation to the facts. Neither Cavalry nor XXXX has provided such certification.

I deny owing this alleged debt and I will not be forced to pay money I do not owe. If this account is not removed from my credit reports within 14 days, I will seek legal representation to initiate action for violations of federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
We have a mortgage account with Pennymac. My husband is a service member and was XXXX in 2024 ; for that reason, our account was covered under SCRA protection and a 6 % interest ceiling was set ( only a small reduction compared to the 6.125 % interest owed for our loan ). During the SCRA period, we paid down our principal substantially and recast the mortgage, which led to a lower monthly payment ( {$1700.00} vs {$2000.00} before the recast ). When SCRA protection lapsed, we were notified that our payment would increase back to {$2000.00}. We immediately complained both on the phone and in writing, since the interest payment was set to only increase by about {$20.00}. Clearly there was a bug in the system that reverted us back to the pre SCRA payment, without taking the recast into account.

All my attempts to ask for clarification were met with non comprehension, and I was told that our payment would increase due to the higher interest amount, or higher escrow payments. 
A couple months later, we were in fact charged the monthly payment of {$2000.00}. In the payment history, it was clearly visible that the principal repayment was much higher for this month than the prior months, while interest went up {$20.00} and escrow remained unchanged. Pennymac 's own amortization calculator confirmed that our monthly payment should be closer to {$1800.00}.

With that, we are being overcharged principal on our loan due to a bug in the system, and Pennymac has not taken any steps to rectify the situation. This is a clear regulatory violation and given their lackluster response so far we felt it necessary to submit this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST PORTFOLIO SERVICING INC
State: MO

Complaint narrative:
I closed my account and was making payments on it until I missed a payment and then they should continuously call me every day after Ive asked them and Customer Service Ive notified them to stop calling me every day and they did for exactly one week they called me every day, leaving multiple messages Every day and quite frankly Im not gon na pay them a damn thing anymore. This is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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 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 : DPT ED/XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$81000.00} Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$870.00} UNAUTHORIZED INQUIRIES : XXXX XXXX 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 2025-09-06 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: EdFinancial Services
State: TX

Complaint narrative:
Dear EDFinancial Services, I am writing to formally dispute multiple student loan accounts currently being reported under my name and serviced by EDFinancial. I am also filing this complaint due to a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g.My personal and financial aid information was mishandled, compressed, and shared without proper authorization or protection. This mishandling resulted in inaccurate and damaging reports being furnished to the credit bureaus, including the listing of severe delinquencies that occurred while my loans were either in deferment, forbearance, or pending enrollment verification.The following accounts are at the center of this dispute and are subject to federal protections : - Edfinancial Account Ending in XXXX - Edfinancial Account Ending in XXXX - Edfinancial Account Ending in XXXX - Edfinancial Account Ending in XXXX The continued reporting of these accounts in their current state violates the Fair Credit Reporting Act ( FCRA ) and XXXX for the following reasons : No verified consent or documentation of educational status was provided during alleged delinquencies No proof of late notice, billing statements, or grace period violations was ever shared with me Educational records were accessed and/or transmitted improperly Therefore, I am requesting the following fair and lawful resolution : Full cancellation of all EDFinancial student loans listed above Immediate deletion of all associated negative items from all three credit bureaus Written confirmation of the FERPA breach or data handling activity that led to this damage Termination of all reporting and collection activity related to these accounts If no lawful documentation can be provided proving that these accounts were reported in compliance with both FERPA and the FCRA, I expect their permanent removal from my credit file and full release from loan obligations.This notice will also be forwarded to the U.S. Department XXXX XXXX XXXX Privacy Policy XXXX XXXX XXXX ) XXXX the Consumer Financial Protection Bureau XXXX CFPB ), and other relevant enforcement bodies. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: TX

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : DPT ED/XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$81000.00} Account Name : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$870.00}

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 2025-09-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Transunion has a collection on my account that does not belong to 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 non-monetary relief
Consumer complaint received 2025-09-06 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: TX

Complaint narrative:
Equifax improperly used my report and I dont regicide any of the collections on the report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: GA

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-09-06 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: TX

Complaint narrative:
This complaint is not submitted in error. My credit report contains inaccuracies that fail the FCRAs maximum possible accuracy standard ( 15 U.S.C. 1681e ( b ) ). These errors are weighing on me and continue to cause significant financial and personal harm.

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 2025-09-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit file contains numerous hard inquiries that I never authorized or applied for. These inquiries appeared after the TransUnion data breach, which exposed my personal information and made me a victim of identity misuse. I did not seek credit from the majority of these companies, yet the following hard pulls remain on my report : TransUnion XXXX XXXX, TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

These inquiries are inaccurate, unauthorized, and unverifiable. The TransUnion breach compromised the integrity of my personal information, and these inquiries are a direct result. Under the Fair Credit Reporting Act ( FCRA ) : 604 : CRAs may only provide reports/inquiries with consumer consent or a permissible purpose.

605 ( a ) : CRAs must not include information that is inaccurate or unverifiable.

611 : Consumers have the right to dispute any inaccurate or unauthorized information.

623 : Furnishers must ensure accuracy and remove unverifiable data.

The continued reporting of these inquiries is a violation of my rights under the FCRA and has caused significant harm to my creditworthiness, financial opportunities, and overall well-being.

Company response to consumer: Closed with explanation