vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-05-16 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: MI

Complaint narrative:
There is an account showing up on my credit report that I did not open and did not authorize. This is a clear case of identity theft and fraudulent use of my personal information. 

Let me be absolutely clear I had no involvement with this account, I never gave permission for it, and I did not consent to any activity related to it. The fact that its showing on my credit report is completely unacceptable.

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 2025-05-16 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:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute XXXX XXXX XXXX XXXX Balance : {$11000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$220.00} Open Date XX/XX/XXXX US DEPARTMENT OF EDU Balance : {$0.00} Open Date XX/XX/XXXX US DEPARTMENT OF EDU Balance : {$0.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX VIA DEALER Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
I filed a dispute with chime bank on XX/XX/XXXX for funds taken out of my account from XX/XX/XXXX until XX/XX/XXXX. I was incarcerated between those dates and I did not authorize anyone to take any money. I filed multiple Disputes and provided documents showing that I was incarcerated. Chime bank has denied all my Disputes and is refusing to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: WA

Complaint narrative:
In XX/XX/XXXX I received a statement from Mohela stating that I had made XXXX qualifying payments towards the required XXXX for student loan forgiveness. I made the XXXX payments and attempted to apply for forgivness as I had made the 120 payments and had worked as a state employee for 10 years.

Mohela refused to activate the ability online that would allow me to apply for forgivness. I tried for a year, attempting to call customer service, sending letters and statements, filing complaints and Mohela was unresponsive. I was finally able to apply for forgiveness in XXXX of XXXX and I finally I received notice in XX/XX/XXXX that my student loans were forgiven and backdated to XX/XX/XXXX. 

During that year that I was attempting to recive forgivness, I overpaid my loan by more than {$3000.00}. I have tried to contact The Department of Education and Mohela about receiving my refund and no one will help me. The Department of Education said to Contact Mohela as the loan servicer and that they will need to submit the refund to the department of Treasury. When I contact Mohela they say that I need to contact the Department of Education as the loan provider.

I did what I was told to do. I made my payments and I recertiifed. I attempted to apply when I had met my obligation. Mohela in turn mismanged my loan for years and now they are giving themselves an interest free loan with my money. I need help getting my refund. Is there anyone who can help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XXXX I never made the Charge that was indicated on this account XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
* I do not want a copy of my credit report mailed to me, I can view it online * I have contacted all 3 credit bureaus numerous times due to a XXXX account that was used fraudulently when I was the victim of identity theft and had multiple accounts opened and also my accounts taken over, I was told I needed a police report and an FTC Identity Theft report and I have both of them. It clearly shows in the FCRA identity theft revisions, of which section 605B is the key provision, the purpose was to avoid any involvement of the furnisher or CRA in investigating the issue of asserted identity theft. If the consumer is willing to make a sworn statement before law enforcement, which carries criminal penalties for knowingly false statements, then that assertion itself is adequate to block the information from the consumer 's credit report. 
In spite of this, the credit bureaus continue to not block the XXXX account that was hacked into and used fraudulently when my identity was stolen. The account has been reporting for months after I have submitted all the necessary documents and nobody from the bureaus has reached out to help or gather more information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NH

Complaint narrative:
Due to the uncertainty of stocks because of the tarrifs, I decided to sell my stocks via CashApp at XXXXXXXX XXXX on XX/XX/year> of {$640.00}. Afterwards, I went to make a withdrawal to my bank account but received an error that asked me to try again. I had recently opened a new card using my same checking account so I input that and tried again. I was met with another error, this time stating that my account had been locked due to suspicious activity. Following this I received a text message and email both reiterating this. I reached out to support over the phone and was directed to wait for a manager to reach out to me via email. I was indeed contacted, but the manager has not provided proper explanation and support in resolving this issue or explaining why it happened.

With both the selling of my stocks and attempt at withdrawal I used my biometrics to verify, which are my finger prints. Along with this I am verified via face and face ID through their app, and have never had issues in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I purchased a vehicle for my son in 2023 for my local XXXX dealership in XXXX Florida. I decided to transfer the title to a friend at the XXXX and I found out XXXXXXXX XXXX has a lien on my vehicle now I purchased the vehicle cash. I never finance this vehicle however Ally bank and XXXX XXXX placed a lien on my vehicle. I dont understand how they can do this if I never financed or was a customer of Ally bank. I feel like this is fraudulent and they offered me no explanation that only the dealership can remove the lien. I am told they will take care of it, but I feel that this is a fraudulent violation of my property by a bank. The dealership has told me it will take a few days to rectify this, but I would still like to report this as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/XXXX Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Subject : Request for Extension of 18-Month No-Interest Promotion ( Account # XXXX ) Dear Synchrony Bank and XXXX XXXX On XX/XX/XXXX, I purchased a heat pump from XXXX using the XXXX XXXXXXXX Card under an 18-month no-interest promotional offer, ending XX/XX/XXXX. I was not adequately informed at the time of signing that failing to pay the full balance by this date would result in {$9800.00} in deferred interest at a 26.99 % APR, applied retroactively to the original purchase amount. The salesperson represented the financing as interest-free for 18 months without clarifying this significant risk, and the contracts terms were not conspicuously disclosed, potentially violating the Truth in Lending Act ( 15 U.S.C. 1601 ) and California consumer protection laws.

I have made consistent payments, reducing the balance to {$10000.00}, and intend to pay in full by XX/XX/XXXX. However, I need a six-week extension of the no-interest period to avoid the {$9800.00} deferred interest, which was an unexpected burden due to the lack of clear disclosure. I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB, Tracking # XXXX ) regarding this issue and am prepared to escalate to California Attorney Generals office if necessary.

I respectfully request one of the following resolutions ; 1. Extend the no-interest promotional period to XX/XX/XXXX, allowing me to pay the remaining balance without deferred interest. 

2. Waive the {$9800.00} deferred interest as a goodwill gesture, given the unclear terms.

3. Convert the remaining balance to a lower APR or fixed-rate plan, such as XXXX 7.99 % APR for 84 months. 

I spoke to a representative of Synchrony Bank who stated she was a supervisor. She confirmed that there will be a note in my next statement that as long as I pay the full balance of {$10000.00} by XXXX XX/XX/XXXX, the bank will waive the deferred accrued interest. The supervisor stated that the 18 month no interest promotion can be extended no longer than 30 days from end of the promotion period. This letter has been generated to document this latest development regarding my request in case issues arise regarding the deferred accrued interest not being removed from my account. 

You can reach me at XXXX or XXXX. 

Sincerely, 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 2025-05-16 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:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-05-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was misled into opening a XXXX XXXX XXXX  card at XXXX XXXX in XXXX of 2025. It was presented to me by an XXXX employee as a rewards program, not a credit card application. I did not understand that I was signing up for a line of credit. 

After making a single purchase of {$65.00}, I never received the physical credit card. I contacted XXXX XXXX multiple times to report this, but the card was never sent, and I was never given access to my account. 

Despite this, I was charged three late feesmore than doubling the original balance. After several calls, they agreed to remove one of the late fees, but I still had to pay around {$100.00} total to close the account as of XXXX XXXX, 2025.

I was penalized for a balance I couldnt pay because I never received the necessary tools ( card, login info, or billing access ). Customer service was unhelpful and dismissive throughout. 

Closing the account also negatively impacted my credit score, which I feel is unfair given that : I was misled at the point of sale, I never received the card, I contacted XXXX multiple times in good faith, and I was charged fees for an account I couldnt access. 

Im requesting the removal and refunding of the late fees from my record and a correction to the credit reporting associated with this card. 

Thank you for reviewing this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: DigniFi
State: AZ

Complaint narrative:
XXXX is reporting an account that was originally opened under the name XXXX XXXX XXXX, which has been XXXX XXXX XXXX  years. After rebranding, XXXX began reporting the same account with updated activity as of XXXX, despite no new financial activity occurring. This appears to be a deliberate re-aging of the debt, which is a violation of the Fair Credit Reporting Act ( FCRA ) guidelines on accurate and timely reporting. 

I requested verification of the original account dates and creditor identity, but XXXX failed to provide sufficient documentation. This misleading reporting is XXXX  my credit and should be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-05-16 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: NV

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I initially called USAA Bank to discuss ( 2 ) unauthorized charges to my account for a total of {$500.00} dated XXXX XXXX. The Bank credited me temporary funds pending investigation. I received documentation, " Review of Your Debit Card Fraud Claim is Complete '', on XX/XX/XXXX and XX/XX/XXXX, for both charges. This review claimed both charges were authorized and informed me that the Temporary Credits were to be reversed. I called the bank again on XX/XX/year> to ask for documentation that led the company to believe these charges were authorized by me and was told it was my right to ask for the documentation used in the investigation that brought the decision. I was told the documentation will be available in my account documentation section within 5 business days. I then made another call on XX/XX/year> asking again for the documentation after not seeing it on my account. The operator let me know that i should see it in my documents by Monday XX/XX/year> and that the original operator indeed requested for it. I then made another call to the bank on XX/XX/year> asking for the documentation and the operator sent out another request pending no later than 5 business day response. Though the issue is resolved via the bank, i have still not been reimbursed for my unauthorized charges.

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 2025-05-16 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: MS

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

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 2025-05-16 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:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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