vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: AZ

Complaint narrative:
This is an update to complaint # XXXX, involving XXXX, XXXX XXXX XXXX card processing organization for merchants. I received an email today that explained their refund policy. XXXX initially approve my application and provided credit card processing for my business. I was able to process the XXXX remittance with out any difficulty. Now confident that the system worked as promised I tried to process XXXX more payments, both which are currently on a XXXX at XXXX. Regardless of their reason for placing the hold, the issue I have with them now is that they're going to charge me a fee, even though I have to refund the remittance to my customer so it can be processed through Direct Deposit. I'll explain events from my perspective to show why I believe they're acting in bad faith. 

First, they approve my application and permit the XXXX transaction to process perfectly. This caused me to believe that subsequent transactions would also process. I submitted XXXX more remittances which were placed on a XXXX day hold. If they would've held the XXXX remittance, there never would've have been more attempts to process anything. Consequently, Square is going to charge me over {$100.00} just to get my remittances out of their system, just so I can refund it back to my customer. This fee wasn't earned and is more of a ransom than a fee for services rendered. Square hasn't even explained why they acted the way they did. It's a terrible way to treat a new customer. They misled me, then acted arbitrarily, and don't feel like they need to even expain their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: GA

Complaint narrative:
CFPB please read before you send to any of these companies because theyll trick you into believing that I am incorrect and they have been the ones incorrect. See attachment please theres so much proof to share. PLEASE ATTACHED DOCUMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: LA

Complaint narrative:
" To Whom It May Concern : I am sending this letter to you in response to a notice I received from you on Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. If your offices have reported invalid information to any of the XXXX major Credit Bureaus XXXX XXXX XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
I am submitting this complaint regarding potentially unlawful servicing practices and federal policy changes that have materially altered the terms of my student loan repayment. These changes have placed me in a position where, despite compliance with repayment obligations, my loan balance is increasing rather than decreasing. This outcome results from the dissolution of the XXXX XXXX under the recent XXXX XXXX XXXX, which constitutes a substantive change to the repayment framework originally relied upon at the time of borrowing. 

I graduated from XXXX XXXX in XXXX XXXX XXXX  ) and obtained a XXXX XXXX from XXXX XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX. Throughout my repayment history, I have consistently made timely payments under income-driven repayment arrangements, as authorized under 20 U.S.C. 1087e and its implementing regulations, which require that payments be tied to a borrowers discretionary income. 

On XX/XX/XXXX, my loan servicer issued a bill for {$190.00} to cover accrued interest. However, by XX/XX/XXXX, my loan balance had increased by {$200.00} due to additional accrued interest, rendering the billed amount insufficient to prevent principal growth. This results in negative amortization, a practice that both courts and regulators have recognized as financially harmful. See, e.g., In re XXXX, XXXXXXXX XXXX XXXX ( XXXX. XXXX. XXXX XXXX ) ( recognizing negative amortization as inequitable to debtors ), and CFPB XXXX XXXXXXXX XXXX, XXXX. XXXX ( XXXX. XXXX XXXX ) ( alleging servicer engaged in unfair practices by steering borrowers into repayment structures that led to ballooning loan balances ). 

Furthermore, the dissolution of the XXXX XXXX through new legislation and the forced migration of borrowers into less favorable repayment structures XXXX constitute an unlawful retroactive modification of loan terms. Borrowers, including myself, relied on the availability and continuity of income-driven repayment programs when making borrowing decisions. Retroactive elimination of these protections raises serious concerns under federal law, including potential violations of : XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which mandates affordable, income-based repayment options for federal borrowers ; Due Process principles under the XXXX XXXX, as borrowers are being deprived of vested contractual expectations without adequate recourse ; UDAAP prohibitions under the XXXX XXXX XXXX Reform and Consumer Protection Act ( 12 U.S.C. 5531, 5536 ), which forbid unfair, deceptive, or abusive acts and practices in consumer financial products, including loan servicing.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-29 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: OR

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-29 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: OR

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: NC

Complaint narrative:
On XX/XX/year> I had XXXX reinstated a charge off on my credit report and I had no knowledge or any notification of that charge of being reinstated 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
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I believe the account is invalid. XXXX XXXX XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened my first credit card with Capital One in XX/XX/XXXX ( XXXX  ), and I appreciated that they approved me when I had no credit history. Since then, Ive maintained perfect payment history and built an excellent credit profile. 

Today, my credit scores are : XXXX with XXXX  ( XXXX XXXX  ) XXXX with XXXX  ( XXXX XXXX ) XXXX in Capital Ones XXXX XXXXXXXX in XXXX  XXXX XXXX because I get a new credit card Despite this strong history, Capital One has refused to grow with me. They only increased my limit once from {$300.00} to {$400.00} in XX/XX/XXXX which is a meaningless adjustment given my current credit standing. Ive repeatedly requested either the permanent removal of the {$39.00} annual fee or a downgrade to a no-fee product such as the Capital One XXXX XXXX Each time Ive been told the system doesnt allow it, and that even a downgrade would carry the same annual fee, which makes no sense. 

On XX/XX/XXXX, I called Capital One again and was finally transferred to a Spanish-speaking supervisor named XXXX. She documented my complaint, provided me only with her employee ID as a reference, and told me I would receive a response within XXXX business days. To this date, I have received no written response or resolution, which shows the lack of transparency and accountability in how Capital One handles customer complaints. 

Additionally, I was recently approved for a XXXX credit card with a {$10000.00} limit, which clearly reflects my current creditworthiness. This proves that other banks recognize and reward my responsible history, while Capital One continues to hold me back with a {$400.00} limit and an unnecessary {$39.00} annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
I am formally submitting a follow-up complaint regarding inaccurate and unauthorized items listed on my credit report. To date, I have not received adequate validation of the alleged debts, and I have reason to believe that the reported balances and account information are incorrect. 
The items I am disputing include : XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I DEMAND for the immediate removal of inaccurate and outdated personal identifying information from my credit profile. Continued reporting of obsolete names, addresses, and employers is a direct violation of Metro 2 compliance standards and the Fair Credit Reporting Act ( FCRA ). 
The following entries are not legally verifiable, are no longer accurate, and must be deleted immediately :

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 2025-08-29 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: OH

Complaint narrative:
Subject : Complaint Regarding Access to Credit Report from Equifax Dear CFPB, I am writing to formally lodge a complaint against Equifax for their refusal to grant me access to my credit report through their online portal. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681g, I am entitled to access my credit report to ensure its accuracy.

Due to the COVID-19 pandemic, consumers have been granted the right to access their credit reports weekly. Despite my attempts to access my report, Equifax has not allowed me to do so, which is a violation of my rights under the FCRA.

I kindly request your assistance in addressing this matter. Ensuring access to my credit report is crucial for me to verify the accuracy of the information contained within it and to protect my financial well-being.

Thank you for your attention to this important issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
The atm ate back my money and I call my bank and XXXX XXXX and still haven't received no money and it was {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NY

Complaint narrative:
I am a victim of identity theft and have been trying to get XXXX fraudulent accounts removed from my Equifax credit report since XX/XX/year>. The accounts in question are XXXXXXXX XXXX XXXX and XXXX XXXX XXXXXXXX, which were opened in my name without my consent. I have submitted an official FTC Identity Theft Report ( Report # XXXX ) and supporting documentation to Equifax. I have sent XXXX previous legal demand XXXX XX/XX/year>, and XX/XX/XXXX, XXXX Equifax 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 1681i ( a ) ( 1 ) and 1681c-2, for failing to conduct a reasonable reinvestigation and refusing to block identity theft-related information. Despite my repeated attempts, Equifax has not responded to my letters, nor have they taken any corrective action to remove the fraudulent accounts. Their continued inaction is causing severe financial harm and emotional distress, as the fraudulent accounts are damaging my credit and obstructing my ability to secure credit and housing. I am filing this complaint because Equifax has willfully and negligently refused to comply with its legal obligations under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: VA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately.XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: VA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately.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 non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: CA

Complaint narrative:
I opened a First Progress XXXX card to help build my credit. Since opening the account, I have been unable to effectively use or manage it due to repeated failures on the companys part. 

Specifically : I requested a replacement card three separate times, but no card was ever delivered. 

Because I never received a working card, I could not access the online system or monitor the account. 

As a result, I missed the annual fee payment. 

This missed fee has now negatively impacted my credit report. I want to resolve this matter, but the company requires a XXXX card number to assist me, which I do not have because they never provided a valid card. 

I am requesting the following : The company provide me with the exact balance owed and a method of payment that does not require a card number. 

That any negative credit reporting related to the missed annual fee be removed, since it was caused by the companys failure to deliver a working card. 

That the account be closed at my request once the balance is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
These accounts are fraudulent and were opened without my knowledge. Kindly remove them within XXXX days under the guidelines of XXXX XXXX. I have enclosed evidence.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent accounts are a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at KICKOFF on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  on XX/XX/XXXX under the account number XXXX. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned accounts are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX, XXXX as proof from the XXXX Federal Trade Commission that the aforementioned consumer credit account, and hard inquiry are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.

Company response to consumer: Closed with non-monetary relief