vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: Nelnet, Inc.
State: FL

Complaint narrative:
My federal student loan servicer provided a copy of my Master Promissory Note ( MPN ) showing it was executed on XX/XX/XXXXXXXX  under the email XXXX. I have never owned, used, or had any association with this email address. At that time, my only email addresses were XXXX and XXXX. 

Independent investigative records now link XXXX to an unrelated individual, XXXX XXXX XXXX, born XXXX, residing in Texas. I have no connection to her and never authorized her, or anyone else, to sign documents on my behalf. 

The servicers transaction log shows : XX/XX/XXXXXXXX  Identity confirmed via PIN website XX/XX/XXXXXXXX  Electronic MPN signed under XXXX My name and former NY address appear, but with this unrecognized email. 

This raises serious concerns of fraudulent execution, identity theft, or administrative error. I have repeatedly requested the full e-signature metadata ( IP, authentication method, device ) but have not received it. Servicer records also show outdated contact info from 10+ years ago, meaning I never received delinquency notices in time to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
This car was sold to me defective. I tried to seek relief thru every XXXX XXXX, to no avail. But more than anything, I surrendered the car due to extreme financial hardship. That's why I surrendered it.

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 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation
State: IN

Complaint narrative:
Pending deposit XXXX XX/XX/XXXX. I lost my wallet. I have my upgrade card. I went to skylight XXXX. The website. Endlessly loading. This is not new. I spent hr on phone be told to down load app try that. I tried explaining to the trained lady. The app only works if ur website works. They refused to just activate my new card over phone. I take responsibility for my lost card. Im only trying to activate the new card they sent me in mail. I have kid rent bills food needs bought. I have no way access my XXXX something when it deposits. The lady on phone didn't seem to kno the sight was down. But some how manged find my info. Hmmmmm. Okay so I tell her ur sight isn't working. Puts me on hold comes back to tell me oh we are having issues with website my boss whoever told her. After id already made that known. This seems shady. The fact they refused to activate my card over phone. We been doing that for decades now over phone. This has red flags all over it. Is this offshore account what's really going on. So im not on walefare I work for my money denied access or help. Was told call back if app didn't work. App works well enough to send me to a garbage as far I can tell non functional website. A banking sight that can't seem to let me update my new card from my lost card. A simple request from a account holder. It's really scary me my XXXX XXXX XXXX can't make it 2 weeks for another check I may or may not be able access. They should be hed accountable. They have pay me for them not upholding there end. I kno im prob not only person affected. Now how's a company thats how wealthy. Not putting money into the infostructer of the business. The website is it. You can't make back bone of ur business functional why are they allowed to continue to operate. To be clear this website is always down lagging ect. This isn't a new thing. Hold them accountable for the people they dont seem care about.

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 2025-08-11 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Javitch, Block & Rathbone LLC
State: TN

Complaint narrative:
I paid off my debt with Javitch block llc on XX/XX/year> and they were supposed to send me a PDF file of satisfaction of payment so I could proceed with other things I needed it for. Im literally sitting in limbo because they never sent it. They won't answer the phone and when they do, they transfer me the hang up. My debt was {$810.00} dollars. 

Javitch Block llc is the debt collector.

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 2025-08-11 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: NC

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 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts violate 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are unjust and illegal.

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 2025-08-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: M&T BANK CORPORATION
State: NC

Complaint narrative:
I'm a XXXX veteran and have a VA mortgage loan on XX/XX/XXXX. I spoke to XXXX @ XXXX to apply for a loan modification. Due to a loss of income, things got tough and were looking to tack XXXX, XXXX, and XXXX mortgages at the end of the mortgage loan term and would have an answer in 30 days. 

My mortgage was originally with XXXX XXXX, they sold it to XXXX, which in turn sold it to M & T Bank. I applied for a loan modification with M & T Bank, and recently learned I was denied, in the mortgage assistance letter the traditional and XX/XX/XXXX modification was letter denied but given the option to of a short sale or a deed in lieu of foreclosure. 

If this is how a XXXX veteran and his family who serve and protect the country from any enemy, domestic and foreign is to deny them this option, then we are living in sad times. When you deny me, then you deny yourself of basic dreams for all. What I'm asking for should be no different then you wanting to be safe.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Unauthorized access to my credit report by several companies has caused direct and measurable harm to both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been honored, and the inquiries remain. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly indicates possible identity theft. This unresolved matter is causing ongoing emotional and 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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX issued my American Express account a {$240.00} refund on XX/XX/year> at XXXX am. I called American Express at XXXX on XXXX because the credit had not yet been posted on my account. The AMEX rep informed me that it will take XXXX business days for my account to be credited the {$240.00}. I find this amount of time to correct an online transaction excessive and unreasonable. That is why XXXX referring this matter to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origin. Pursuant to USC 1681g, I am formally requesting their deletion within 15 days. I have included the relevant documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : 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 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
I have been using Cashapp for a few years and had no issues. Until Tuesday XX/XX/year>. I just recently moved states and started a new job. My intention in this new state was to set up with a credit union in my area. That would be where my direct deposit would go at my new job. With moving and getting settled I havent had the time and needed a place to receive my check, so I gave the account information from my cashapp to my job. Now I had received my biweekly check twice prior with no hiccups. Until XX/XX/XXXX waiting on my third check to hit I check my cashapp around the time I have been getting paid right before XXXX. To my shock and dismay I see the transaction of my money deposited but my balance at XXXX. I see above it that my entire check was withdrawn used for bitcoin, a service within Cashapp. I have never once put money in stocks or cryptocurrency so I call Cashapp frantically to get an answer. I am told it will be 10 business days for an answer, not that I will receive my stolen funds back asap but that they will investigate and if I want my money as a check or back on my account. Pretty soon I see my account has been completely hacked and compromised. My email unlinked and password changed. I got with my employer to try and help resolve it but there is nothing they can do on their end because funds were dispersed and cashapp dropped the ball. After calling multiple times day after day after this incident, the only progress made has been getting access back to my account. All I want is my money back though, I am struggling financially from this mishap, I just moved and my finance hasnt found a job yet so I am the only source of income. My account was locked, password protected and my card safe in my wallet. So how does such a big company that is heavily advertised and pushed especially to my generation and younger let this happen, and make innocent people wait on their precious funds. If it helps in anyway, in their fine print it states that the cards themselves arent strictly FDIC protected however if you receive direct deposits of {$300.00} or more you have FDIC insurance on up to {$250000.00}. As of today, Monday XX/XX/XXXX, I am still being told to wait on an update and email, that has yet to come and I am struggling more and more by the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/XXXX I received a diagnosis from XXXX XXXX XXXX  however I was given wrong diagnosis as an exhaust leak. When taken to an auto repair shop they informed me that I had a blown head gasket. I informed chime of this huge mistake and they have dropped the ball.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
I am writing to dispute several inquiries on my credit report that were never authorized by me and constitute an unlawful access to my consumer credit file. A consumer report may only be furnished under a specific " permissible purpose, '' as defined by Section 604 ( a ) of the Fair Credit Reporting Act ( FCRA ). No such permissible purpose exists for the following unauthorized inquiries : XXXX XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) XXXX XXXX, XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) XXXX XXXX  ( Date of inquiry : XX/XX/XXXX ) As the consumer, I never applied for credit with these entities on the dates in question, nor did I provide them with my " wet signature '' or any other form of authorization. Under federal law, particularly the FCRA and other state consumer protection laws, a creditor must be able to prove that a consumer authorized an inquiry, often by producing a signed application or similar documentation. 

These inquiries must be immediately deleted from my credit report. Furthermore, under my rights granted by the FCRA, I demand that you conduct a full and diligent reinvestigation of these items. Should you be unable to provide evidence of my written authorization for these inquiries, including my wet signature on a credit application, they must be removed. 

I have attached a copy of my credit report with the disputed inquiries highlighted, as well as a copy of my identification for verification purposes. Please provide a written response within 30 days of receipt of this letter, detailing the actions taken. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Longtime Ally Customer Misled XXXX {$2400.00} Ive banked with Ally for over 10 years and recently experienced a serious failure in their process. I deposited a {$2400.00} check from a source I believed was legitimate. Ally told me it would take two business days to clear and that Id know it had cleared when it showed in my available balance.

Two days later, the funds were available, so I made withdrawals. The next day, Ally reversed the deposit, calling the check fraudulent, and removed the full amount from my account. 

Despite repeated attempts to resolve thisincluding escalating to corporateAlly insists they are not responsible and refuses to refund the money. Their own system indicated the funds were cleared, which misled me into acting in good faith. Without that confirmation, I would not have lost this money.

This experience has shown me that Allys available balance cant be trusted, and customer protection is lacking.

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 2025-08-11 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:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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