vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: LA

Complaint narrative:
Several companies have accessed my credit report without my authorization, causing direct harm to both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed ; however, that commitment has not been honored, and the inquiries still remain. This failure to act is unacceptable and demonstrates negligence in addressing a serious issue.

The continued presence of these potentially fraudulent entries is deeply concerning and raises serious concerns of identity theft. This unresolved matter has already caused significant emotional distress 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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
There is something definitely wrong with the way. The credit bureau is reporting me and my cycle score is being reported if my credit bureau reports are pulled up and reviewed and my total credit old is manually reviewed and not computer synchronized these errors would be caught in corrective, but every time I do any type of dispute, the credit bureaus disputes are done electronically through AI automation and it is affecting the way my scores are being reported my debt ratio income level and revolving credit does not substantiate what is being reported to all three bureaus

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I disputed my accounts that's mention for incorrect and inaccurate information on XXXX XXXX. Which came back verified and also updated but nothing was changed or modified an not fixed. I sent another letter asking how did they verify my account and can they send me a copy but I never received a response back. 

Can you please help me resolve my issue thank you Deptednelnet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: PA

Complaint narrative:
Bank closed my acct for an XXXX none reason I received a IRS refund on XX/XX/year>. And the decision was to keep XXXX XXXX that was left in acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paxful Holdings, Inc.
State: CA

Complaint narrative:
I had a account with XXXX  for 10 years XXXX XXXX seems to small I need documentation of what was my balance after my last sell of bitcoins and how much its gone up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
I am writing to formally dispute the accuracy of information reported by Security Credit Services , LLC on my XXXX  credit report. The information being reported is inaccurate and unverified, and I request its immediate investigation and correction pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: CO

Complaint narrative:
I am writing to request urgent assistance regarding a buyback request that I submitted to XXXX in XX/XX/XXXX under the Department of Educations guidance for XXXX account adjustments. 

My buyback requests cover the periods of XXXX and XXXX and I provided all requested tax income documentation for that period. Despite multiple follow-ups with MOHELA and the Department of Education , I have only been told that my request has been escalated. It has now been nearly a year with no progress or transparency. 

Under the buyback policy, approval would make me eligible for loan forgiveness this year ( XXXX ). Under the SAVE plan, I would have been eligible for forgiveness in XX/XX/XXXX. Because of the ongoing delays and lack of clear guidance, my account now shows XXXX payments remaining, pushing my eligibility to XX/XX/XXXX a full year later than it should be. Based on borrowers ' experiences ( via XXXX ), processed buyback requests are only those who have decided to pay monthly payments to arrive at XXXX eligible payments, which makes the whole point of the Buyback pointless, and makes the whole process unfair, disingenuous and manipulative. 

Meanwhile, I am being required to make unaffordable monthly payments of {$620.00}, despite the fact that my buyback request, if processed, would eliminate this obligation entirely. This delay is causing significant financial hardship and directly undermines the intent of the buyback process, which was designed to provide timely relief to eligible borrowers. 

I respectfully request your help in asking : Review my buyback request and provide a correct offer. 

Ensure that I am not required to make further payments while my request remains under review. 
Thank you so much!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I saw that my account showed {$45.00} overdrawn today ( XX/XX/scrub>XXXX  ), whereas I should have been {$150.00} in the positive.. I called the chase location on XXXXXXXX XXXX XXXX XXXX XXXX XXXX The person I talked transferred me to the person they said I would need to talk to. That person said that my amount was correct. They said that they could see the transfer but they could not help me. I was told to call the number on the back of my XXXX XXXX. I called the number and was told again that the amount was correct. They said that the {$200.00} transfer from my XXXXXXXX XXXX XXXX XXXX XXXXXXXX account had already been credited, which it had not, and was then put on hold. This was why I was overdrawn. I have put every transaction amount ever on this account in an XXXX spreadsheet and had XXXX add the total up. The {$150.00} is what it came up with also. The spreadsheet is attached. Chase is saying I will have the {$150.00} after the {$200.00} transfer goes through. This is incorrect. It should be {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
This is not my account and is inaccurately reflected in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
When I opened the Saving ( XXXX ) years ago, I was told the saving account has no fees as long as I have a direct deposit. BofA started to charge me {$8.00} " account maintenance fee '' since XXXX. Asked the branch, was told " Your preferred program is ended ''. I asked for a refund of all the " maintenance fees '', was told " system only allows two months refunded ''.

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 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/year>, I was the victim of an apartment rental scam. I sent {$2200.00} through XXXX from my Capital One checking account to what I believed was a legitimate landlord for a XXXX, NY apartment. After the payment was made, the person disappeared, and I discovered the listing and contact information were fraudulent. 

I immediately contacted Capital One to report the scam and request that the XXXX transaction be reversed or refunded. Capital One denied my claim, stating that the payment was processed according to my instructions, even though it was made under fraudulent pretenses. I have since filed a police report with the XXXX and have documentation showing this was a criminal scam. 

I am requesting that Capital One reconsider and reimburse the {$2200.00} lost in this fraud, as I did not authorize the transaction with the knowledge that it was fraudulent. I have attached my police report, screenshots of the XXXX transaction, and supporting communications showing the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: DC

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed 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 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 2025-10-28 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
In XXXX, I signed a gym contract with XXXX XXXX in XXXX, VA. I was a XXXX. My grandfather was the " buyer '' and " parent/guardian '' that also signed the contract. The gym closed down in XXXX of XXXX and didn't re open until XXXX of XXXX. In XXXX of XXXX, I noticed a collection from Aldous for over {$500.00} owed. This collection of over {$500.00} was due to a base past due fee of {$230.00}, service fees of over {$80.00}, and late fees of {$9.00}. I contacted the XXXX XXXX personally on XX/XX/XXXX and they explained that although my grandfather walked in the gym in XXXX to cancel the membership, the membership was never cancelled and they wanted to negotiate {$300.00} to " erase '' the debt. 
I then contacted Aldous, the same day, to understand why this was still showing on my credit report if I was a XXXX  when the contract was signed. The first man, XXXX, acknowledged that I was a XXXX  and that this would be fixed in 30 days, but the debt was around {$400.00}. When I asked for written acknowledgement of this error, he hung up on me. I then called back and reached a woman who then told me the debt was actually over {$500.00}. She explained again that I was a XXXX  and this would be looked into. I asked again for written documentation that this would be fixed within 30 days, she told me this was not something they can provide. I asked for an email stating this error occurred and would be corrected, I was placed on hold and she never returned to the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
I, XXXX XXXX, date of birth XX/XX/year> SSN XXXX, am formally requesting the immediate placement of a SECURITY FREEZE and EXTENDED FRAUD ALERT on my consumer file pursuant to the Fair Credit Reporting Act ( 15 U.S.C . 1681c-1, 1681c-2, and 1681i ). This notice serves as an official directive to restrict all third-party access to my credit file and to prevent the opening of any new credit, lease, banking, or telecommunications accounts in my name without my express written authorization.

Please issue and mail to me a unique PIN/passcode for managing my freeze, and send it only via Certified Mail to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , and additionally to my secured email address : XXXX. Do not transmit any PIN or security information via SMS, unsecured email, or phone.

I also wish to establish an additional secret phrase : XXXX. If your system supports this, please add it as a mandatory verification element for any unfreeze request. 
Furthermore, I strictly prohibit any removal, lifting, or modification of my security freeze over the phone or through any unverified communication channels. Any future unfreeze request must be submitted only through a notarized written statement explicitly containing : 1. the official PIN provided by your bureau, 2. my additional secret phrase ( if applicable ), and 3. notarized copies of my government-issued identification and proof of current address.No unfreeze action should be processed without these verifications.

Please provide written confirmation of the freeze placement, including the request reference number and activation date, within five ( 5 ) business days via Certified Mail and secure email. Failure to comply or any unauthorized modification of my freeze will result in immediate complaints filed with the CFPB, FTC, and the State Attorney Generals Office, along with any other appropriate legal actions.

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 2025-10-28 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: CA

Complaint narrative:
I, XXXX XXXX, date of birth XX/XX/year> SSN XXXX, am formally requesting the immediate placement of a SECURITY FREEZE and EXTENDED FRAUD ALERT on my consumer file pursuant to the Fair Credit Reporting Act ( 15 U.S.C . 1681c-1, 1681c-2, and 1681i ). This notice serves as an official directive to restrict all third-party access to my credit file and to prevent the opening of any new credit, lease, banking, or telecommunications accounts in my name without my express written authorization.

Please issue and mail to me a unique PIN/passcode for managing my freeze, and send it only via Certified Mail to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , and additionally to my secured email address : XXXX. Do not transmit any PIN or security information via SMS, unsecured email, or phone.

I also wish to establish an additional secret phrase : XXXX. If your system supports this, please add it as a mandatory verification element for any unfreeze request. 
Furthermore, I strictly prohibit any removal, lifting, or modification of my security freeze over the phone or through any unverified communication channels. Any future unfreeze request must be submitted only through a notarized written statement explicitly containing : 1. the official PIN provided by your bureau, 2. my additional secret phrase ( if applicable ), and 3. notarized copies of my government-issued identification and proof of current address.No unfreeze action should be processed without these verifications.

Please provide written confirmation of the freeze placement, including the request reference number and activation date, within five ( 5 ) business days via Certified Mail and secure email. Failure to comply or any unauthorized modification of my freeze will result in immediate complaints filed with the CFPB, FTC, and the State Attorney Generals Office, along with any other appropriate legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I submitted my PSLF Buyback Credit application in XX/XX/year> to count missed payments during the SAVE Plan injunction. Its now XX/XX/year>, and my application is still marked pending. 

Because of the injunction, I have been unable to make payments for nearly two years, even though I only have five payments left to qualify for forgiveness. Ive contacted my servicer multiple times for updates or instructions and have only received the same generic reply : Your application is pending.

Ive met every requirement, maintained qualifying employment, and followed all PSLF procedures. Im being prevented from finishing the program due to delays and lack of communication from my loan
servicer and Federal Student Aid.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-28 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I ordered a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX location on XX/XX/XXXX with a scheduled pickup for XX/XX/XXXX. On XX/XX/XXXX, TD Bank ran a hard credit inquiry through the XXXX XXXX  and I accepted the offer. 

The day I was supposed to pick up, I was informed the car was not ready, despite the sales advisor confirming two days prior that the vehicle was already at the dealership. The vehicle then disappeared from my XXXX app, and on XX/XX/XXXX TD Bank ran a second hard inquiry. 

I expressed my frustration and was told to wait for a new delivery date. On XX/XX/XXXX, I was informed that the vehicle would arrive on XX/XX/XXXX at XXXX XXXX. However, on XX/XX/XXXX TD Bank ran a third hard inquiry for the same vehicle. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and multiple commercial equipment loans. I am very familiar with financing procedures. Credit is normally run once per transaction not three times especially when the vehicle has not even been delivered yet and is being titled under a business.

This repeated credit activity without a new authorization is unacceptable and has damaged my personal credit profile. Your sales process has been entirely disorganized for a $ XXXX vehicle you have run my credit three times and I still do not have the car.

Company response to consumer: Closed with explanation