vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Student Loan Solutions, LLC
State: CT

Complaint narrative:
Trying to collect a private student loan ( has a statue of limitations ) and which was discharged in bankruptcy in XXXX ( case XXXX ). The loan was from XXXX and is more than XXXX XXXX XXXX ( which is outside the legal limit for collections ), this company is harassing me by attempting to collect a debt that was discharged in bankruptcy and outside the statute of limitations. This is deceptive and predatory in nature. I want the civil litigation withdrawn at once. 

They served me with documents at my residence and have pending litigation. This was a PRIVATE student loan, it was probably noted on my bankrupcy discharge in XXXX ( no objection ) and the loan is from XX/XX/XXXX, it is more than XXXX XXXX XXXX. The attempt to harass me and extort money from me for a discharged loan which is WELL PAST the statue of limitations is predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: WA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already provided all required documentation proving that this information is the result of identity theft.Under federal law, you are legally obligated to block this information from my file within four business days of receiving my request and documentation. Your failure to act is not only a breach of the Fair Credit Reporting Act but is also grounds for civil liability and statutory damages.You are now on notice : remove the disputed item immediately. If you do not comply within 5 days, I will pursue legal action.I will not tolerate further delays or excuses Ive already submitted a FTC Complaint and CFPB Complaint youve already already violated my rights under 15 U.S. Code 1681c1 now Im requesting immediate removal of the following accounts now before I continue with a attorney and proceed with legal actions. 


XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
On Tuesday XX/XX/XXXX at XXXX I pulled into my bank ( Huntington Bank on XXXX XXXX XXXX XXXX MN XXXX ) parking lot to deposit some cash. The cashiers take a long time, so I just figured I'd swing through the ATM Machine to make the quick deposit. It was around {$700.00} dollars. The machine ate my cash and never deposited it. There was a message on the screen that said " Your deposit could not be counted, please take your card and contact your financial institution. '' ~or something close to that message.

So, I put my car in reverse and went through the cashier lane and told the representative what just happened. They told me that within 10 business days they would find the money and resolve the dispute.

They did offer me " provisional '' credit of the funds while they investigate, however it's been well over a week and they have not resolved the dispute. 
I'm very upset. There has to be camera angles that can prove this. I don't see the bank admitting fault any time soon, I need help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-15 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Cavalry bought my debt from XXXX for an old XXXX XXXX credit card and a XXXXXXXX XXXX XXXX  but they are claiming the wrong amounts owed them because XXXX sent me a XXXX for debt forgiveness so the original balance owed them can not be the same as what XXXX is claiming. 

I asked Experian to investigate and they opened the case on XX/XX/XXXX and closed it XX/XX/XXXX so obviously they did not do an investigation yet they are allowing XXXX to show the wrong balance on my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Unauthorized recuring withdraws off my Checking account under a Merchant named 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 monetary relief
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to formally request that this information be blocked. I have enclosed a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four business days.

The following item on my credit report is the result of identity theft and must be blocked : XXXX XXXXXXXX XXXX XXXX XXXX XXXX As required by law, I respectfully request that you immediately block this fraudulent information from my credit report. The block must remain in place for at least one year, during which you are prohibited from reporting any information that has been identified as fraudulent. I may request an extension of this block if necessary.

I have contacted the credit bureau multiple times to report this fraudulent account, yet no resolution has been provided. This situation is severely affecting me, as it is preventing me from securing a new home for my children. These accounts have already been removed or not verified by other bureaus, so I do not understand why they are still being reported as mine.

I have also requested supporting documentation or contracts from the reporting creditor, but more than 60 days have passed without any response. I urge you to assist me by promptly removing this account. I have attached the FTC report for your review and trust that you will make a fair and appropriate decision in my case.

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 2025-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
XXXX called from XXXX on XXXX to say she was closing XXXX accounts with no fraud found I had reported fraud after I received the XXXX accounts info in a FedEx. I had been requesting for months. XXXX has held that she was the only person I could talk with and wouldn't give me any names or phone numbers to contact other than billing. Who only wanted payments. The company that did XXXX of the services came to a agreement. All the telephone were Recorded. For some method my coowners account was charged payments to her XXXX  XXXX acct. But not for the XXXX account she signed for but the other XXXX she didn't sign for. My name and initials were put on the account without my authorization. She said she had proof but couldn't share it with me. I feel this is fraud and I want something done about it as soon ASAP. RSVP Thank U for your XXXX in this matter...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My account was locked for more than XXXX  days until XX/XX/XXXX, I was unable to login into my account to make any payments. 

I was like a grace period to make payments account because I have been unable to make Any changes to account due to it being locked.

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 2025-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Asset Management Systems Inc
State: NJ

Complaint narrative:
I contacted financial assets management inc requesting the hospital bill, after a couple of weeks the company emailed me back informing me that I never owed a bill to XXXX XXXX XXXX XXXX XXXX and the my file was placed in their office as an error they then said that my account was closed I then contacted them asking them to file a dispute so that I am able to receive every tax payment they took from me since XXXX the company provided me a break down of each year where they took my taxes and the hats it have yet they are telling me to reach out to XXXX XXXX division where they are saying the debt company has already claimed the money so it's nothing they can do on there end. I am continuously sending emails and not getting responded to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: AZ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : 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 2025-05-15 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: AZ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : 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 non-monetary relief
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I presume 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 explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On Friday XX/XX/year> a XXXX XXXX XXXX XXXX  lady called Chase bank to get a cash advance from her XXXX Credit Card. She was told that she has to go into the bank for the cash advance. I have been a friend for years so she called me and I drove her to the bank. I am big XXXX pounds XXXX man. We went into the Chase branch on XXXX XXXX XXXX in XXXX XXXX, Ohio. The cash advance was denied and no explanation was given. I drove her home and she contacted Chase Customer Support on her phone. She was told that Chase Fraud Prevention had stopped the transaction. She was put into contact with Chase Fraud Prevention. She answered several questions and she was told that she could try the Cash Advance again after three hours. After more than three hours I drove her to the Chase Branch in XXXX XXXX The bank teller took offense at me helping the XXXX lady insert her visa card into the reader. I told her that she is XXXX and I helped her to come into the bank. She entered comments into her computer screen and she called security. The cash advance was once again denied and no explanation was given. When we tried to live the branch we were confronted by bank security guard who was soaking wet from rushing in from the rain. He demanded to know what was going on. I assured him that everything is fine and we were living. The XXXX lady hanging onto my arm for guidance also assured her that everything was fine. He stepped aside and we exited the XXXX XXXX branch. To my surprise, I got an email informing me that my Chase account was being closed. The XXXX XXXX XXXX lady accounts were also frozen, all because a big XXXX man was trying to help an old XXXX white lady get a cash advance from her visa account. We called Chase customer Service and they told us to go to the branch to resolve the matter. I drove the XXXX lady and her brother to the Chase branch in XXXX XXXX. They told me that my account was closed and the decision was final. They unfroze the XXXX lady 's account. After nearly 30 years as a chase bank customer no reason was given and they said they did not have to give me a reason. My Social Security and XXXX XXXX Checks are deposited monthly into my Chase account. It was the end of the month and my rent, bills all paid from Chase were declined. I redirected my Social Security and XXXX XXXX checks to new accounts. Unfortunately Social Security needs more time to switch direct deposit. They will not switch until XX/XX/year>. 
This kind of racial profiling and discrimination is unacceptable and can not be tolerated in banking financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: AMERISAVE MORTGAGE CORPORATION
State: TN

Complaint narrative:
Credit report for my husband and myself were pulled without any contact to us or approval Tried reaching out to the company and they do not answer their phones The company is Amerisave mortgage company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: PA

Complaint narrative:
For the last XXXX  years I have been working to save up enough cash to pay my student loan balance with EdFinancial in FULL. Once I acquired the full loan balance in cash, I submitted XXXX separate payments to EdFinancial, both in which I received a confirmation number email. The first payment was submitted on XX/XX/year> for {$2000.00}. The confirmation number they sent me was XXXX. The second payment was submitted on XX/XX/year> for a total of {$22000.00}. The confirmation number they sent me was XXXX. I have called them every week requesting a status of my payments and have gotten varying answers. The last answer I received was that I had to submit a screenshot of the email they sent me with the confirmation number and payment amount on their website as " Proof of Payment. '' As each day goes by, each of my loans accrue interest, and they have verbally told me that I have to pay that interest as well. I have done everything I could to pay off my student debt and my student loan servicer EdFinancial refuses to take my money. I need extreme assistance as I'd like to move on with my life debt free.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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 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! 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 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 2025-05-15 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: CA

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! 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 explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/year>, I discovered unauthorized transactions on my Cash App account after my debit card and phone were both stolen and used without my permission. The individual responsible was a former roommate who had access to my personal belongings. As soon as I noticed the fraudulent activity, I filed a claim through the appropriate channels and followed all required procedures, believing that my issue would be handled with the care and diligence I have come to expect from Cash App. 
To my surprise, rather than resolving the matter or providing any meaningful update, my account was closed with the explanation that I had violated the terms of service. I have never filed a claim with Cash App prior to this incident and have always used the platform responsibly. The lack of communication regarding the investigation, followed by the abrupt termination of my account, feels unjust and unprofessional.

I also contacted Cash App Support by phone and was told I would receive an email with instructions to appeal the decision. As of today, I have not received any such communication. I am now left without access to my funds and without the ability to further advocate for myself through the app.

Company response to consumer: Closed with explanation