vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I was told my Indigo Mastercard was closed in XXXX because they mailed a request for me to provide my ID to XXXX XXXX 
The problem is I live in XXXX 

I only agreed to do business with this sham company at a XXXX $ annual fee because of scanners ruining my credit. 

This company failed me. 
They allowed the same scammed to take over my account. They didn't alert my email or phone of attempts to change my mailing address. They hijacked my account. 

I want my account reopened. 
I paid my monthly statement. 
I have done nothing wrong. 
I need this account reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I have an account for them for few years the account f Doesnt go down because they charge coiples chargest almostvtwice a month may balance still almost XXXX dollars been 4 years alreadynlike i still have balance XXXX plus how coild be that way care credit company charges a lot almost charges interest charge double

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: AXOS FINANCIAL, INC.
State: VA

Complaint narrative:
AXOS bank allowed someone to open s bank account. The person sent the card and to an old address. They only gave me the date the account was open. XX/XX/XXXX. 

I was closed the debit card XX/XX/XXXX and called the bank to close the account XX/XX/XXXX but she wouldn't give me any information but said the account was closed. Even though I told her the account was open fraudulently. 

A bank statement was sent to the same old address weeks later. Not taking into to consideration that I notifying them off fraud. The statement still showing the money in the account as of XX/XX/XXXX. With no acknowledgement of the fraud or the closure of the account! 

I have filed a police report a week and have all documentation as proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My Synchrony Bank credit limit was reduced without notice, in violation of FCRA 615 and ECOA Regulation B. Because I was not notified, my balance of {$1000.00} is being reported as over limit, which is misleading and inaccurate and has lowered my credit score by XXXX points. 

Synchrony Bank lowered my credit limit without providing an Adverse Action Notice. I did not exceed my credit limit. The creditors internal action caused the misleading over limit status. 
This inaccurate reporting has damaged my credit score, affected my creditworthiness, and caused financial 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 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc.
State: NC

Complaint narrative:
I am submitting this complaint regarding my account with Lead Bank ( ending in [ XXXX ] XXXX ). I am a salaried employee paid on a monthly cycle. Lead Bank processes payments on an inflexible mid-month schedule that consistently conflicts with my payroll timing, leading to payment difficulties and unnecessary stress. I have attempted to contact the company to adjust the due date to align with my monthly pay cycle, but I have been unsuccessful in changing the payment schedule. This payment scheduling conflict is the direct source of a 30-day late payment reported in XX/XX/year>. While I take responsibility for the missed payment, the continuous scheduling incompatibility prevents me from maintaining a clean payment record, despite my sincere efforts and full-time employment as a XXXX XXXX XXXX at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: AL

Complaint narrative:
I attempted to submit my identity theft dispute through the MyEquifax website using my FTC Identity Theft Report and supporting documentation. The website repeatedly logged me out while I was actively entering information and uploading documents. Each logout message claimed inactivity for 15 minutes, but I was actively typing and uploading every time it occurred. I was unable to complete the dispute due to these system issues and am submitting it through the CFPB instead. 

Over the years, my personal information has been exposed through multiple channels. I have lived with other adults in the past and went through a difficult divorce, so I can not identify exactly when the compromise began. My bank account was hacked previously, and identity monitoring alerts later showed my information appearing in smaller breaches on the dark web. Major breaches like XXXX XXXX and XXXX XXXX XXXX also confirmed exposure of my SSN, date of birth, email credentials, passwords, and other sensitive information. Because of these repeated incidents, it is clear that many of the items appearing on my Equifax file are due to identity misuse, not accounts I opened. 

The accounts, inquiries, and personal data that are not mine are listed in my FTC Identity Theft Report and dispute letter. Continuing to report unverifiable information violates FCRA 605B, 1681e ( b ), and 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App ( XXXX XXXX  ) for improper handling of multiple debit card disputes related to a rental car transaction involving XXXX XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX I rented a XXXX XXXX XXXX through XXXX. During the rental period I was involved in a hit-and-run accident that resulted in a blown tire. Despite repeated requests for assistance, the rental car companys manager refused to provide any help for nearly ten hours, leaving me stranded in an unsafe situation. Additionally, I was misled into making large payments after being told those payments could be applied toward ownership of the vehicle. This representation later turned out to be false. 
I ultimately paid approximately {$14000.00} in charges that should not have been collected under these circumstances. After these payments were made, the vehicle was repossessed with no remedy offered. 
I filed disputes through Cash App within the allowable timeframe for services not provided, misrepresentation, and unsafe business practices. 
Since filing : My disputes have remained unresolved for an excessive length of time. 
I have not received provisional credit for the disputed amounts. 
I have not received meaningful investigation updates or a clear resolution timeline. 
I have repeatedly had to follow up with support without progress. 
Due to the seriousness of the situation involving safety neglect and financial misrepresentation, I believe my case warrants expedited review. Cash App has failed to comply with its obligations under the Electronic Fund Transfer Act ( Regulation E ) by not properly investigating and by delaying resolution while withholding provisional credit.

I am requesting that the CFPB require Cash App to : Conduct a full and immediate review of my disputes based on all provided evidence.

Issue provisional credit while the investigation is finalized.

Provide a written explanation of findings and decision for each disputed charge.

Refund disputed amounts confirmed to be unauthorized or collected through misrepresentation. 
Implement improved customer protections for complex disputes involving safety violations. 
This ongoing delay has caused significant financial hardship and emotional distress, and I request regulatory intervention to compel fair treatment and statutory compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
Hello, I would like to provide additional information regarding my open Regulation E claims with Cash App. This update shows that Cash App handled multiple identical disputes inconsistently, and several of my disputes are now past the 45-day investigation deadline without a determination or provisional credit. 
All of my disputes involve the same merchant and the same situation. When I submitted the disputes, I included the exact same screenshots and supporting information for each claim. The only difference between each dispute is the transaction date and amount. 
Here is where the inconsistency appears : Several disputes were denied the next day during the manual check process, with no request for additional information. 
Other disputes for the same case, filed on XX/XX/XXXX, are still open and show In Review, even though more than 45 days have passed. 
Cash App support has repeatedly focused only on the disputes that were denied the next day, and they have not answered any questions about the disputes that are still open past the 45-day deadline. 
Because all disputes are identical, it is unclear how Cash App can reach a same-day denial on some claims, but require more than 45 days to investigate the other claims. If the investigation required more time for some claims, then it raises concerns about whether the next-day denials were investigated reasonably. If the investigation did not require more time, then it raises concerns about why the XX/XX/XXXX claims are still open without a determination. 
I have asked Cash App several times to confirm : the status of each dispute filed on XX/XX/XXXX, and whether provisional credit will be issued, given that the 45-day period has passed. 
Cash App has not provided that information. Instead, they only discuss the instant denials and say they will send a letter explaining those denials. They have not provided any written explanation for the open disputes or addressed the missed 45-day deadline. 
I have included screenshots showing : the denied disputes, the disputes from XX/XX/XXXX still showing In Review, and my communication asking specifically about the disputes past 45 days. 
I believe this situation may indicate inconsistent dispute handling and a potential violation of the 45-day timeframe in Regulation E. I would appreciate the CFPB reviewing this information. 
Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Citizens Bank allowed me to join their debt reconciliation program to prevent a credit card account from going into further charge off. I set up a payment plan in the amount of {$120.00} in order to settle for an amount. This agreed payment was supposed to come out my account starting XX/XX/XXXX. Instead of doing so, citizens bank took my payment, agreed to the payment plan and started the charge off process despite their debt reconciliation program I joined. In the midst of this I received a letter in the mail on XX/XX/XXXX saying that there was a specific balance that had to be paid off by the end of XXXX or the account would be considered charged off. Although, XXXX setup a payment plan with Citizens Bank debt reconciliation program with a contract signed citizens bank still decided to send me a letter XX/XX/year> stating the account had to be paid off by the end of XXXX. However, despite the debt reconciliation program I joined and the letter sent by the company citizens bank charged off the account on XX/XX/year> despite a payment plan set up with their debt reconcialition department and sending a letter saying that I had until the end of XXXX to pay off in full. Citizens Bank charged the account off early and has refused to respond to any of concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year>, Citi received my initial dispute letter challenging multiple inaccurate and inconsistent data fields on my account, but they continued reporting the same incorrect information without providing any documentation or verification. After receiving no clarification or corrections, Citi received my second dispute on XX/XX/year>, where I again detailed the inaccurate reporting and requested original account-level records, yet Citi still failed to conduct a reasonable investigation or correct the disputed information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX inquiries on my account without consent XX/XX/XXXX from XXXX XX/XX/XXXX Capital One XX/XX/XXXX Cap One/XXXX  Want these accounts closed and credit alert place so Im notified when someone uses my info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: WV

Complaint narrative:
I have called Sallie Mae every day for over a year and I have expressed that the payment is unmanageable and un affordable. I have spoke to several people on recorded lines and they call me daily every single day and ask for the same information. I do feel harassed and they are not listening to me. They are not taking me seriously I have expressed to them. I am willing to make the payment if they lower it where I am eligible I have done a financial audit multiple times and they have even told me that my debt exceeds my monthly income and they are still continuing to harass me at work and call at work to try to reach me about making a payment they have even harassed my XXXX  grandmother and got her XXXX XXXX up where she could become hospitalized if I say I cant make the payment that means I cant make the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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: PA

Complaint narrative:
I am filing this complaint because my credit report contains XXXX accounts reported by XXXX XXXX XXXX and XXXX XXXX XXXX with negative information that I believe is inaccurate, incomplete, or unverified. Both companies have failed to provide the legally required documentation to validate their reporting. 

When I disputed this information directly with Experian, the bureau responded incorrectly by stating that I may have been a victim of fraud, even though I personally submitted the dispute, never reported fraud, and there is no evidence of any fraud. This response prevented Experian from properly investigating my dispute as required under the FCRA. 

I am filing this complaint because : The companies have not verified their negative reporting. 

Experian failed to process my dispute correctly and used an unfounded possible fraud conclusion to avoid investigating. 

I am submitting my identification and proof of address again to confirm that my dispute is legitimate. 

I request that the CFPB ensure Experian conducts a complete investigation and removes any negative information that can not be legally verified under the FCRA.

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