vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, 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. This fraudulent, inaccurate, and false information consisting of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had an account closed for deposit check without finding it because of my work, i paid the account, and they are not allowing me to open an account with them anymore. Customer Service Representative told me that i was able to.

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 2025-10-05 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: ID

Complaint narrative:
My employee sent me the wrong cash app he sent XXXX XXXX I immediately sent {$400.00}. then a few hours later he asked if I was able to send the funds then sent me then cash app again this time missing an XXXX XXXX XXXX This was an obvious mistake and cash app refuses to refund my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: A-1 Premium Acceptance, Inc.
State: WI

Complaint narrative:
My refund has not been made back to my account I have submitted my checking account information also when the payments where taken from my account according to the king of Kash I made payments using my credit card why would I make a payment with a credit card when I didn't own the money cause the loan was never funded. I then sent over the information of them taking the money from my checking account via email and o have yet to receive my refund from them this company is basically stealing people 's money for loans that was never funded I refusing to refund money they took that was never due to them the last email I sent showed them taking the money from my checking account on 3 different days

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
I enrolled in a degree program at XXXX XXXX under the belief that my personal and educational records would be protected under XXXX. However, I have serious concerns that my data may have been accessed, shared, or misused without my consentpotentially by third parties or government-affiliated entities. These concerns are rooted in recent disclosures involving public-private data sharing and high-profile figures, which raise questions about how student records are handled. 

I did not authorize any third-party access to my records beyond what XXXX  allows. I believe this breach of privacy has contributed to an unjust financial burden, including nearly {$16000.00} in federal student loan debt. I submitted a formal complaint to the U.S. Department of Education requesting an investigation and loan discharge based on these violations.

I am seeking transparency, accountability, and relief from the financial harm caused by the mishandling of my educational data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Dispute of Unauthorized Hard Inquiries and/or Inaccurate Information on Credit Report To Whom It May Concern, I am writing to dispute the following items on my Equifax credit report : - XXXX XXXX XXXX XXXX XXXX XXXX Inquiry dated XX/XX/XXXX ) - XXXX ( Auto Financing Inquiry dated XX/XX/XXXX ) I did not authorize these inquiries, nor did I apply for credit with these institutions on these dates. I respectfully request that Equifax conduct a thorough investigation of these items. If you can not verify my authorization, please promptly remove these inquiries from my credit report. 

Please send me written confirmation once your investigation is complete, along with a copy of my updated credit report reflecting these changes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-05 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: NY

Complaint narrative:
This furnisher has repeatedly altered the reported balance of a previously closed account without legal or factual basis. The account originally reported a {$860.00} balance, which XXXX confirmed as {$0.00} in its written response to a CFPB investigation in XXXX. Despite that confirmation, the furnisher re-reported the account in XXXX with new verified balancesfirst {$860.00} again and now showing past due {$370.00}. This constitutes re-aging of a debt and false reinsertion of inaccurate information in violation of FCRA 1681e ( b ) and 1681s-2 ( b ).

The repeated changes in balance and status across reporting periods demonstrate the furnishers failure to maintain reasonable procedures to ensure accuracy. I request that the CFPB require immediate deletion of this tradeline from all credit bureaus and that the CFPB refer the matter to the Office of Enforcement for investigation of potential willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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: NJ

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Previously Disputed ) : XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX  Account Number : 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 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have been victim of identity theft which cause fraudulent account associated with XXXX to be opened using fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX. I never resided at the above address this is aggravated theft Act 15 USC 6802 Act 15 USC 1861

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 2025-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB
State: PA

Complaint narrative:
On XX/XX/XXXX, I purchased merchandise financed by Klarna for one completed order. And item was purchased with XXXX as the lender, but was canceled refunded. For some reason, Klarna combined the two orders and demanded payment. Only one order was was financed by Klarna, not two. The company failed to reconcile that notion, resulting in a negative one my credit report.

According to State and Federal law, Klarna is in violation by demanding payment under law. My last contact with seller who confined, in writing, there was one order .I will provide the two order numbers when requested. 

" The FTC has issued a Notice that it has determined that certain acts or practices involving sending and/or attempting to collect payment for unordered merchandise are unfair or deceptive, and violate the FTC Act. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am writing to formally lodge a complaint against Capital One regarding its recent decision to change card networks and issue XXXX debit cards without transparent communication. This action has disrupted my financial stability and violated the trust I placed in Capital One as a long-standing customer. 

The messages sent to customers stated only that a new card is coming due to a network change. At no point did Capital One disclose that the replacement card would be a XXXX card. I had to search extensively to uncover this information. The lack of clarity was not an oversight. It was a deliberate omission that misled customers and concealed the true nature of the change. 

XXXX is not widely accepted, especially in critical settings such as medical offices, travel-related services, and smaller businesses. For families who rely on their debit cards for essential purchases and overdraft protection, this switch is not just inconvenient. It is harmful.

Capital Ones decision to withhold the name of the new network until after the cards were mailed is deceptive. In fact, the newly mailed debit cards look the same as the previous Capital One debit cards. Capital One has gone to great lengths to hide the fact they changed their network to the XXXX network. This is information customers must search for. Customers were denied the opportunity to make informed choices about their financial tools. This is not acceptable in any industry, and it is especially egregious in finance, where transparency and trust are paramount. 

I urge the Consumer Financial Protection Bureau to investigate this practice and hold Capital One accountable. Financial institutions must not be allowed to make sweeping changes that affect families access to funds without full disclosure. Sneaky tactics have no place in banking. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: CA

Complaint narrative:
Experian continues to report Inaccurate and fraudulent information on my credit report, after several attempts to remove the information. 

Items Still Reporting : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong / Inaccurate Addresses : 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 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
Since opening my Barclays JetBlue Plus Mastercard in XXXX, I have never missed a payment and I routinely paid more than the minimum due. Yet I have been charged over {$130000.00} in interest and kept near my limit because Barclays would not apply my above-minimum payments to the highest-APR balance first, as required by the Credit CARD Act ( 15 U.S.C. 1666c ) and Reg Z ( 12 CFR 1026.53 ).

I asked Barclays for the transaction-level payment allocation audit that would show, month by month, how each dollar above the minimum was split across APR buckets ( purchases, balance transfers, cash advances ). Instead of evidence, I received a generic document reprint ( XX/XX/XXXX ) and, on XX/XX/XXXX, a written refusal to provide the audit. In plain terms : I was given boilerplate while my money funded compounding interest at the highest APRs. 

I sent multiple certified demands XXXX XXXX XXXXdelivered XXXX XX/XX/XXXX ) and escalated to the XXXX  Attorney General ( received XX/XX/XXXX ). Barclays conduct has been XXXX  and evasive, not transparent or compliant. A bank that truly followed XXXX would simply produce the audit ; the refusal to do so is telling and profoundly unfair to a consumer who paid on time for nearly two decades. 

Requested relief : XXXX Barclays to produce the full transaction-level allocation audit for my account ; Recalculate all interest consistent with XXXX / XXXX and refund excess interest ; Consider enforcement for systemic noncompliance, given the pattern of delay, non-answers, and refusal to provide the very data that proves compliance. 

Im not disputing the existence of interest ; Im disputing how my payments were allocatedand Barclays refusal to prove they followed the law. Consumers should not be forced to guess whether their above-minimum payments were siphoned to low-APR balances while 29.99 % APR balances quietly compounded. That is exactly what the CARD Act was designed to prevent.

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 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> I sent my neighbor to take money out of my business account which he did but when he went to deposit XXXX to my personal account at XXXX XXXX they toldhim that he could not deposit cash to my account. So he has an account at the same branch they told him deposit it in your account then we will print a bank draft and deposit it in to my account which he did. They told he XXXX was available then and the balance would be available on the next day XX/XX/year>. Well they showed XXXX available Friday the XXXX so that night I paid bills up to XXXX dollars but the next morning they all bounced. They said because the checks that were deposited looked fraudulent. I said they are your checks. So now they have frozen all my money XXXX and are returning my drafts to mortgage company XXXX and others. I have to leave work and go home at the cost of just over XXXX XXXX and they said it doesn't matter they wont release my money until XX/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