vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint regarding inaccurate, unverified, and unauthorized information that continues to be reported on my consumer credit file. I previously disputed these items directly with the credit reporting agencies, yet the errors remain unresolved. The continued reporting of this information violates the Fair Credit Reporting Act 15 U.S.C. 1681 and, where applicable, the Fair Debt Collection Practices Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late Payment This account is reporting late payments despite showing a zero balance. I have never made a late payment on this account as reported. The payment history being furnished is inaccurate and misleading. Under 15 U.S.C. 1681s-2, furnishers are required to report complete and accurate information. I am disputing the late payment history only and requesting correction of the inaccurate payment status. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$11000.00} Charge Off This account is being reported as charged off without proper validation or evidence that the information is complete and accurate. I do not recognize this charge-off as reported, and no documentation has been provided to support the status, balance, or reporting accuracy. Under 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), information must be verified and accurate. If this account can not be fully verified, it must be deleted from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$220.00} Collection I have no knowledge of this alleged debt and do not recognize this account. No validation has been provided showing that this collection is legally owed by me. Under the FDCPA 15 U.S.C. 1692g and the FCRA, unverified collection accounts may not be reported. I am requesting immediate deletion unless full and proper validation can be produced. 
XXXX  XXXX XXXX dated XX/XX/XXXX I did not authorize this inquiry. It does not reflect a permissible purpose under 15 U.S.C. 1681b. Unauthorized inquiries are inaccurate and must be removed.

Despite prior disputes, these inaccuracies remain on my credit report, indicating a failure to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i. I am requesting that the CFPB review this matter and require the furnishers and credit reporting agencies to correct or delete the disputed items in compliance with federal law.

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 2025-12-24 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: GA

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 non-monetary relief
Consumer complaint received 2025-12-24 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: GA

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 2025-12-24 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: NJ

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I received a letter in the mail XX/XX/XXXX from FCO fair collection outsourcing. It says that I owe a debt for a rental property I have no idea what this is. I own a single-family home that Ive been living in for over four years so this does not make any sense.

I called the number provided on the letter no one answered. I left a message for someone to call me back still have not heard anything.

This is fraud. I dont have this account. Dont know why its there. Its not showing up on my credit report though just want to report information and have this removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: AR

Complaint narrative:
Cash App ( Block, Inc. ) closed my account several months ago, citing suspicious activity. I promptly submitted an appeal and attempted to resolve the issue through Cash Apps support channels. Despite this, Cash App has never provided a meaningful response, never issued a decision on my appeal, and has not reopened my account. 

I have made multiple attempts to contact Cash App regarding : The status of my appeal The reason for the account closure Access to or release of my remaining balance Cash App has failed to : Complete the appeal review process Provide a written explanation or final determination Release my funds within a reasonable timeframe This prolonged lack of response has resulted in Cash App effectively holding my money indefinitely without explanation or due process. As a financial services provider, Cash App has an obligation to handle account closures and consumer appeals in a timely and transparent manner. Months of silence is unreasonable and has caused financial hardship. 



What I Want the Company to Do I am requesting that Cash App : 1. Provide an immediate written decision regarding my appeal 2. Release any remaining funds owed to me without further delay or 3. Reopen my account if no violation occurred 4. Provide a clear explanation for the closure and the months-long lack of response Additional Information I complied with all appeal and support requests No final determination has ever been provided My account has remained closed for months with no resolution Consumer Information Name : XXXX XXXX Cash App Cashtag : XXXX XXXXXXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year>, I received a refund of {$31000.00} to my Apple Card issued by Goldman Sachs Bank USA. On XX/XX/year>, I received a second refund of {$4000.00}, bringing the total refunded amount to {$35000.00}. These refunds resulted in a large positive balance on my Apple Card, exceeding {$90000.00}. 
Goldman Sachs informed me that they could not directly cash out the excess credit balance and instructed me to transfer the excess funds to my savings account. I followed Goldman Sachs instructions. A 10-day hold was disclosed for processing a large amount, which I accepted.

After the disclosed 10-day hold expired, the transfer was approved. Despite this approval, Goldman Sachs has continued to withhold my funds for over an additional month, with no written notice, no revised disclosure, and no regulatory justification provided.

Goldman Sachs has provided no written explanation for the extended hold. A representative stated verbally that the funds were being held because I continued to have transactions on my Apple Card. This explanation is inappropriate and irrelevant, as the Apple Card is a revolving credit account, not a deposit or ATM account, and normal credit card usage does not justify withholding refunded funds after an approved transfer.

As a direct result of Goldman Sachs actions, my account has been forced into zero utilization, causing measurable damage to my credit score through no fault of my own.

I am requesting the immediate release of my funds, a written explanation for the extended delay, and credit reporting correction or accommodation for the harm caused by Goldman Sachs actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MA

Complaint narrative:
I am experiencing prolonged and harmful delays in processing my Income-Driven Repayment ( IDR ) application by MOHELA, which is directly impacting my eligibility for Public Service Loan Forgiveness ( PSLF ). 

I submitted an IDR ( IBR ) application in late XX/XX/XXXX. I began full-time employment with a PSLF-eligible employer in late XX/XX/XXXX. Despite timely submission of my IDR application, the majority of my Direct Loans have been placed into a SAVE/IDR processing forbearance without my consent, solely due to servicer delay. 

MOHELA has confirmed that months spent in this forbearance will not count toward PSLF, even though I am employed full-time by a qualifying employer and attempted to enroll in an eligible repayment plan before my PSLF employment began. 

As of now, more than four months have passed without my IDR application being processed. I contacted MOHELA on XX/XX/XXXX and was offered options that would either : 1. Place all loans on the Standard ( Level ) plan with unaffordable monthly payments, or 2. Keep loans in forbearance, resulting in the loss of PSLF-eligible months When I specifically asked whether PSLF buyback would be available to remedy these lost months caused by IDR processing delays, I was informed that it would not be an option for me, despite my understanding that buyback exists to address periods of administrative forbearance when borrowers are otherwise PSLF-eligible. 

I am being financially harmed and placed at risk of losing qualifying PSLF months due entirely to servicer delay, despite acting in good faith and following all required procedures. 

I am requesting : 1. Immediate processing of my IDR application, and/or 2. Written confirmation that months spent in IDR processing forbearance due to servicer delay will be eligible for PSLF buyback, and 3. Correction of any records to ensure my PSLF progress is not adversely affected by these delays. 

I have documentation of my application submission, qualifying employment, and communications with MOHELA and can provide them upon request.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I am submitting this complaint regarding Shellpoint Mortgage Servicings handling of my mortgage and its refusal to properly document or conduct loss mitigation prior to proceeding with foreclosure. 

Shellpoint has stated verbally that foreclosure will move forward unless the full monthly payment of {$1300.00} is made, yet has refused to provide any written confirmation of its position, refused to document that no loss mitigation options are available, and refused to explain what options, if any, were reviewed. 

Shellpoint has also refused to provide written confirmation of whether foreclosure activity will proceed during any review or appeal period. This leaves me without documentation or clarity while foreclosure is being threatened. 

The property is currently not able to be occupied due to required repairs, which has been communicated to the servicer. Despite this hardship, Shellpoint has demanded payment without providing a written loss mitigation decision or confirming that a complete loss mitigation review has occurred. 

Shellpoints refusal to document its decisions, provide written denial, or confirm procedural status appears to be an attempt to avoid oversight while continuing foreclosure activity. 

I am requesting the following : Written confirmation of all loss mitigation options that were considered and denied Confirmation of whether a complete loss mitigation application has been reviewed Written confirmation of whether foreclosure activity will be paused during any review or appeal period Compliance with all applicable mortgage servicing and loss mitigation requirements prior to proceeding with foreclosure I am requesting immediate review and written clarification to prevent foreclosure activity from continuing without transparency or due process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
What happened? 
On XX/XX/year>, I was the victim of a highly coordinated and organized social engineering scam involving external malicious actors impersonating Chime Bank representatives. I received a series of convincing phone calls that appeared to be official Chime communication. During these calls, the scammer falsely claimed that my account had been compromised and that immediate action was necessary to prevent my funds from being stolen or lost. 
Under the false pretense of securing my account, I was manipulated into performing multiple transactions through my Chime account. The scammer coerced me into transferring funds to a phone number ( XXXX ) XXXX, which was controlled by the fraudsters. Specifically, I transferred : Two payments of {$500.00} each, totaling {$1000.00} One smaller transfer of {$29.00} In total, I transferred {$1000.00} to the scammer based on their deceptive instructions, believing I was complying with legitimate security procedures. 
Immediately after these transactions, I contacted Chime to verify the legitimacy of the calls and transactions. Chime representatives confirmed that the calls were suspicious and that my account had been compromised. They acknowledged that the transactions were unauthorized and advised me to report the incident to law enforcement. 
I filed a police report, and law enforcement confirmed that this was an organized scam involving impersonation, social engineering, and external criminal actors. I also provided Chime with all supporting evidence, including police documentation, forensic call logs, and the connection letter linking the suspect XXXX XXXX to the scam. 
Despite providing irrefutable evidence of fraudulent activity, Chime has refused to reimburse the stolen funds. My dispute was denied multiple times, and I have not received any provisional credit or resolution. Instead, my account has been closed, and I continue to be denied the recovery of my funds. 
This situation has caused me significant financial loss, emotional trauma, severe stress, and ongoing mental health issues. I am requesting that Chime immediately fulfill its legal obligation under federal lawincluding Regulation E and their own policiesto investigate thoroughly and to reimburse the full amount stolen, regardless of whether my account remains open or closed. 
I demand that Chime take swift action to return my stolen funds now. If my funds are not returned promptly, I will pursue all legal remedies available, including filing formal complaints with the CFPB, pursuing civil litigation, and seeking criminal investigations into your organization 's negligence and failure to protect consumers from organized fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/year>, I sent {$1400.00} ( XXXX  XXXX ) to my own account at XXXX XXXX in XXXX, XXXX from my own account at BofA. The funds were rejected by the receiving bank, XXXX. BofA ( Sender ) and XXXX ( Intermediary ) have failed to return the funds to my account. I have contacted BofA 5 times. BofA refused to provide a written status update and told me to 'just wait ' every time. It has been almost two months and I am requesting a full trace and immediate credit of the returned funds.

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 2025-12-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX to trade in/buy out my XXXXXXXX XXXX XXXXXXXX, we agreed that they pay off the residual value and they keep the car. On XX/XX/XXXX I went to visit the dealership and asked why the account hasn't been closed and I'm still gon na get charged, only to find out nothing has been done. That same day XXXX ( XXXX XXXX ) said they just paid it off, after a whole month. I called XXXX XXXX and they said nothing was sent. Now I gave them call again, and they can't provide any confirmation number of the payment they said they did. 

XXXX, the car I got on XX/XX/XXXX as new lease, first day I got it not more than XXXX hours XXXX XXXX check engine light appeared ( XXXXXXXX XXXXNEW ) came back the next day ( XX/XX/XXXX ) to get check, went back on XX/XX/XXXX since they said it's ready, I came and check engine light still on. To this day the car is still at the service.

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 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I'm trying to transfer money from a XXXX bank account to a bank account in XXXX with XXXX Bank using XXXX. XXXX XXXXs ago they said it would be a slight delay. I went to make another transfer thinking it would be okay because it said it would only take a couple of minutes. That transfer is also been on hold. Now to find out hundreds of people are having the same problem. 

XXXX knows there's a problem but they're continuing to take transfers and they won't cancel them. Basically they know the problem exists and they're continuing allowing new transactions to happen that will face the same problem. Each time I talk to them it seems like there's a different story. Sometimes they want to blame it on XXXX sometimes they want to blame it on the war with XXXX, sometimes they want to say they don't know what's going on. There are multiple threads on XXXX and XXXX showing hundreds of people having the same problem

Company response to consumer: Closed with monetary relief