vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: EdFinancial Services
State: VA

Complaint narrative:
I am filing this complaint against XXXX due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect over XXXX late payment entries from XXXX XXXX  XXXX, which has caused my credit score to drop by over 100 points. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus.

Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a FERPA violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent. 

I am active-duty XXXX XXXX in the process of purchasing a home and this has caused my VA loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions.

Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported.

2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving XXXX raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, XXXX may have incorrectly or fraudulently reported late payments that I did not actually incur. 

XXXX. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: OK

Complaint narrative:
vanilla gift card put on hold without cause funds inaccessible what happened : i purchased a vanilla gift card and used it for basic necessities. suddenly, the card was put on hold while i was trying to buy food. i called the number on the back and the representative gave no clear reason, just told me id need to wait XXXX  business days for a replacement. i was not told why this happened or given a case number.

this has left me without access to my own funds. i was relying on this card to get essentials, and now im being forced to go hungry because of an arbitrary and unexplained hold. i cant even check the balance or see any fraud alertsjust locked out. 

i believe this is predatory and exploitative. i am asking the consumer financial protection bureau to investigate vanilla/incomm for holding funds without due process, and for failing to provide users with a way to immediately access or dispute their balance. 

i want my money back. i want access to the funds i legally bought. and i want this to not happen to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: TX

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

Company 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 2025-08-02 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/year>2025, I transferred a total amount of XXXX XXXX from my PayPal account to a closed bank account at XXXX XXXX, with fees of XXXX XXXX. The transaction ID is XXXX, and the payment was made using a XXXX card ending with XXXX. 

After realizing the mistake, I immediately contacted XXXX XXXX  requesting assistance to recover the funds or cancel the transaction. However, the bank was uncooperative and did not provide any clear instructions or help. The money has not been returned, and no resolution has been offered. 

I also tried to reach out to PayPal, but the issue remains unresolved. 

This unauthorized transaction has caused me significant financial inconvenience, and I need your help to recover the transferred amount as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
I applied for XXXX and XXXX. Denied initially. I submitted a reconsideration for XXXX. I received an email stating that I qualify and that my remaining loans have been forgiven. XXXX XXXX on all loans on website stated I reached XXXX payments and there is nothing else I need to do. I was put in forbearance by servicer XXXX. Then a rep from XXXX XXXX told me I really didnt qualify for XXXX??? Even though it says I have. Was then told to recertify employment, which I have and resubmit for XXXX. Then was told to submit a buyback request for one month. I contacted the Ombudsman and they offered no help. They told me to submit a new XXXX form AGAIN?? According to the website my loans have been forgiven but I still have a balance on Fed website and servicer website. Still paying on loans that have been forgiven. Please help.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: GA

Complaint narrative:
On XXXXXXXX XXXX XXXXXXXX I received a line of credit of XXXX from American first finance to purchase furniture Items from XXXXXXXX XXXX in XXXX, Ga. 

I paid an advance payment fee of {$54.00} On XXXXXXXX XXXX XXXXXXXX I made my first payment on the XXXX loan. The XXXX was {$110.00} From XXXXXXXX XXXX XXXXXXXX to now currently XXXX XXXX I have paid XXXX every two weeks. The total that has been paid in all is XXXX and when I check my account it is still showing a balance XXXX when the loan was originally XXXX. 
So with what I have already paid XXXX plus the listed balance of XXXX that would be a total of XXXX. I never agreed to paying that much interest on a XXXX loan. 

I have reached out to them to resolve the issue and they have not made any efforts to resolve it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I am filing this complaint to demand immediate action against Equifax Information Services , LLC for willful violations of the Fair Credit Reporting Act ( FCRA ) and ongoing negligence in protecting and handling my personal information compromised during the widely publicized Equifax data breach.

Background Equifaxs data breach exposed my sensitive personal information, subjecting me to a lifelong risk of identity theft. Since then, Equifax has failed to uphold its legal obligations to : Protect my personal data, Correct inaccurate credit reporting, and Provide proof of a reasonable reinvestigation as required under FCRA 611. 

Violations & Failures by Equifax Despite multiple disputes submitted since XX/XX/XXXX XXXX Equifax has : Refused to provide original signed contracts, payment histories, or documentation verifying the disputed accounts. 

Issued generic verified responses without conducting a proper reinvestigation as required by law.

Continued to report unverifiable, inaccurate, and damaging information in violation of FCRA 609, 611, 616, and 617.

Failed to take corrective measures to mitigate the ongoing harm caused by their own breach.

Harm Suffered As a result of Equifaxs negligence, I have experienced : Ongoing credit damage, Increased vulnerability to identity theft, and Significant emotional and financial XXXX. 

Equifaxs actions demonstrate willful noncompliance with federal law and disregard for consumer rights.

Demand for Action I am requesting that the CFPB : Enforce Equifaxs full compliance with FCRA and data security requirements, Compel Equifax to immediately delete all unverifiable and disputed accounts, and Hold Equifax accountable by imposing maximum penalties to ensure corrective action and prevent future violations.

Supporting Evidence Attached are : Copies of prior dispute letters sent to Equifax, Equifaxs XX/XX/XXXX response, and Recent credit reports reflecting the ongoing harm. 

Equifax has ignored its legal responsibilities, and I urge the CFPB to take aggressive enforcement action on my behalf. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute an alleged late payment report on my account. This payment was reported by XXXX to your agency. 
[ Experian/Transunion/Equifax ] XXXX and XXXX XXXX, and I believe this entry is inaccurate. The payment in question is identified as late but I do not believe the creditor has followed legal requirements to report it as such under the fair credit reporting act ( fcra ) and related laws. Legal Basis for dispute- Under 15 U.S Code 1681a ( 2 ) the term consumer report does not include reports that soley contain information regarding transactions or experiences between a consumer and the person making the report, As such any transaction or experiences between myself this account shouldnt be in my consumers credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: NY

Complaint narrative:
I asked XXXX XXXX XXXX for investigation into this account and the accuracy of it as to why it's being report onto my credit as I've never signed any contract or have never done business with them. along with contacting Experian, XXXX, and XXXX  several times as to why they are reporting inaccurate information and accounts that are not mine. then I sent a Notice of Intent to File Civil Action Under the FCRA giving them 15 days to removing these accounts and they have not responded or removed the accounts I'm demanding be 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 2025-08-02 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: NY

Complaint narrative:
I asked XXXX XXXX XXXX for investigation into this account and the accuracy of it as to why it's being report onto my credit as I've never signed any contract or have never done business with them. along with contacting XXXX, XXXX, and Equifax several times as to why they are reporting inaccurate information and accounts that are not mine. then I sent a Notice of Intent to File Civil Action Under the FCRA giving them 15 days to removing these accounts and they have not responded or removed the accounts I'm demanding be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: CA

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: CA

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2025-08-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue one before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with BANK OF AMERICA or any of the affiliates. I have confirmed and advised BANK OF AMERICA that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how BANK OF AMERICA approved a credit under my name, without doing any further review and confirmation. Given the fact that BANK OF AMERICA has the right to investigate and obtain all necessary information prior to approving any credits, BANK OF AMERICA has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, BANK OF AMERICA must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that BANK OF AMERICA must comply with prior to approving any credit card/lines to anyone. Pursuant to BANK OF AMERICA 's online advertisement, BANK OF AMERICA encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from BANK OF AMERICA stating that my information was used or attempted to be used in order to open an account. Thus, BANK OF AMERICA has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, BANK OF AMERICA violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for BANK OF AMERICA to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of 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 2025-08-01 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: FL

Complaint narrative:
I take my credit seriously, and I'm really concerned about the inaccuracies on my credit report. These errors are causing me a lot of XXXX  and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I've worked hard to build my credit, and it's disappointing to see it affected by mistakes that aren't my fault. It's getting me XXXX. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company 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 2025-08-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Im extremely frustrated to see that unauthorized inquiries are still on my credit report this morning, and I have no idea why. I even tried refreshing my browser in hopes it was just a glitch, but unfortunately, the issue remains. I need this matter addressed immediately, and Im requesting that the documents Ive submitted be reviewed thoroughly so I can stop stressing over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: TN

Complaint narrative:
On XX/XX/year> I tried to withdrawal money and received a message that my account was restricted due to suspicious activity and an update would be given XXXX. I requested a call and was told no details were available or could be given but theyd reach out when they had news.

Company response to consumer: Closed with explanation