vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently graduated from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I am part of the last graduating class due to the school closing operations after this last semester which ended XX/XX/XXXX. I started the program in XXXX, and I did not have any problems with financial aid department until recently. When applying for financial aid for XXXX I got approved for Unsubsidized XXXX XXXX XXXX XXXX as Grad Plus Graduate Loan. Due to this college being a private accelerated program there are XXXX semesters per year : Fall, Spring, and XXXX. I normally received my financial aid return for Fall XXXX of {$2900.00} for the XXXX. XXXX loan ( XXXX ) as well as my first installment of the Grad Plus Loan ( equifax ) which was a little over {$7000.00} ( I was approved for {$15000.00} in total for the Grad Plus Loan ). When it was time for financial aid disbursement for XXXX XXXX, I did not receive my XXXX. XXXX Loan ( {$2900.00} ) or my second installment of the Grad Plus Loan ( the other {$7000.00} ) even though I received correspondence from XXXX, campus ivy, and an email from the school itself acknowledging and confirming the receival of the funding for Spring XXXX. Even though I provided proof to the school 's financial aid department I was told that no funds were sent to the school for Spring XXXX ; therefore, I should wait to receive the financial aid for Spring XXXX by the end of my last semester ( Summer XXXX ). Not only did I not receive my XXXX XXXX financial aid, but I also did not receive my XXXX XXXX financial aid. After calling the department of education and letting them know my situation I was advised to file a complaint through the financial aid feedback center. 
I already filed a complaint through the financial aid feedback center on XX/XX/XXXX but they have still not come up with any solution or results. I have already requested to escalate my compliant to the Ombudsman Group but due to the contradictory information given to me by the financial aid representative through phone calls ( today XX/XX/XXXX ) that does not match with what is written in my actual student portal account and the XXXX XXXX proof of documentation that I have I am wary I will be able to resolve the issue through their dispute/resolution center,.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I received an alert from XXXX XXXX XXXX XXXX, XXXX, and others that a collection has been placed on my credit report with I C SYSTEM Open on XX/XX/year> the sum of {$280.00} which I have no idea of the agency and the amount.

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 2025-09-03 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: PA

Complaint narrative:
I am filing a complaint because the credit bureaus continue to allow inaccurate and even fraudulent reporting of collections on my file. 

Here are the accounts in question : XXXX {$1200.00} : Reported as open on Equifax, closed on Experian, and placed for collection on TransUnion. These contradictions show it is unverifiable. 

XXXX XXXX XXXX {$1000.00} : Different bureaus show different balances and statuses. One shows it as 120 days late, others do not. 

XXXX XXXX XXXX {$380.00} : Contradictory statuses across the bureaus. One lists open, another closed/paid. 

XXXX XXXX {$2600.00} : This account is fraudulent. I have never done business with XXXX XXXX, nor do I owe them any debt. This is identity-related fraud and must be permanently deleted under FCRA 605B 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 2025-09-03 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: PA

Complaint narrative:
I am filing a complaint because the credit bureaus continue to allow inaccurate and even fraudulent reporting of collections on my file. 

Here are the accounts in question : XXXX {$1200.00} : Reported as open on Equifax, closed on Experian, and placed for collection on TransUnion. These contradictions show it is unverifiable. 

XXXX XXXX XXXX {$1000.00} : Different bureaus show different balances and statuses. One shows it as 120 days late, others do not. 

XXXX XXXX XXXX {$380.00} : Contradictory statuses across the bureaus. One lists open, another closed/paid. 

XXXX XXXX {$2600.00} : This account is fraudulent. I have never done business with XXXX XXXX, nor do I owe them any debt. This is identity-related fraud and must be permanently deleted under FCRA 605B 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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX are falsely reporting inquiries that I did not request// Nor recognize

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 2025-09-03 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: SC

Complaint narrative:
AS PER MY CONVERSATON THE REPRESENTED AT EQUIFAX A SPECIAL HANDLING AGENT ADVISSED THAT THERE WERE NO DISPUTES. EQUIFAX WOULD NOT INVESTIGATE.SHE WAS KIND OF ENOUGH TO PUT IN DISPUTE FINALLY BUT ITS SEVERELY PASSEDFOR BUSINESS DAYS. AND THEY ARE CONTINUING TO INVESTIGATE THESE TWO ACCOUNTS. I WAS ON THE PHONE FRIDAY ONCE AGAIN WITH A REPRESENTATIVE WHO ASSUUREDME I WAS ON THE THIRD DAY AND HAD ONE MORE DAY BEFORE THEY REMOVED THESE ACCOUNTS. TODAY IM LEARNING THERE WAS NEVER IN ACTION DONE. I PLACED THIS DISPUTE ON 8/18. THESE ITEMS WERE PREVVIOUSLY SUPPRESSED. IM SURE THERE IS A NEW COMPLAINT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
My Cash App account was locked on XX/XX/XXXX after receiving a {$25.00} payment with a memo that Cash App flagged. I immediately received an email requesting clarification. I responded in full on XX/XX/XXXX ( same da ) and XX/XX/XXXX, clearly explaining the nature of the transaction. On XX/XX/XXXX, I received another request for additional information, which I also answered on the same day. 
Since then, I have received no resolution. Ive : Emailed Cash App four times ( XX/XX/XXXX, XXXX, and XX/XX/XXXX ), Called Cash App three times, only to receive generic responses and meaningless case numbers, Used the in-app chat which only provides automated, unhelpful replies, Had the sender of the {$25.00} payment contact Cash App ( they also received no help ). 
It's been over 6 weeks, and my account remains frozen with no due process, no timeline, and no explanation. Customer service has failed to escalate or provide meaningful support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year> at XXXX XXXX XXXX XXXX Suncoast Credit Union, two issues occurred with my bank. First, a teller ( female ) deposited funds I presented into the wrong account, this was her second time executing this action since I started banking inside this newer location. I feel as though I provided clear instructions, as I stated twice the number " XXXX '' which are the signifying digits for the account. The last time she committed the same action, on a previous date I was attempting to pay for an item and my card declined. So the same person doing it again seems purposeful and confusing. 

Once I completed the actions I came to the bank to do, I exited the building & realized before exiting the property I'd completely forgot to grab the cash I meant to pull out of the account. I decided to re-park and walk back in because the ATM line was wrapped around the building. Once nearly finished with my withdrawal with the a other teller ( male ) assisting, he announced louder than an inside voice and level the rest of our interaction went that my account had a negative balance. He said, " Are you aware your account is overdrawn by {$57.00}. I responded, " I'm aware '' and slip my cash off the counter and walked out. 

The account he embarrassingly announced to everyone was not the account I was interacting with in any way. In no way did I ask about the account or for the amount to be shared with any human within a five foot radius. These incidents caused me stress, embarrassment and concern about how my account is being handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
Im beyond frustrated with the continued presence of false, damaging information on my Transunion credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If Transunion can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Activehours
State: NC

Complaint narrative:
on XX/XX/year> Earnin withdrew funds of {$100.00} and {$150.00} from my checking account ending in XXXX without permission. This account is new, and this transaction caused my account to be overdrawn. The correct account that's on file ending in XXXX should have been the one they used. I reached out to several representatives to request to have the charges reversed and the correct account used, and no one would assist me. They should have never used account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: CA

Complaint narrative:
My Chime Debit Card was stolen from me on XX/XX/year>. As soon as I realized my card was missing I contacted the Chime fraud department, that was the morning of XX/XX/year>. ( dispute XXXX ) I clearly explained to them what happened. I did not have my card. I have never lent my card to anyone, and I have never told anyone my PIN. I was visiting XXXX XXXX on XX/XX/XXXX and had used my card a couple times. I got home at around XXXX XXXX XX/XX/XXXX.. I also sent Chime a Screenshot of me coming home that night with the date and time stamp on it. I live in XXXX XXXX. The manager of the apartment complex I live in provided me whith the screenshot and he also reviewed the doorbell video and saw that I did not leave the house that night. I sent Chime his Information as a witness. After I cancelled my card with chime on XX/XX/XXXX I received 2 notifications on my phone that 2 more transactions were denied at 2 different gas stations in XXXX XXXX. This was approximetly XXXX ; XXXX. I imeadietly called the XXXX XXXX Police department to report this activity. I also sent Chime a screenshot of my call to XXXX XXXX XXXX Department and a Case Number. I also filed a official police report in XXXX XXXX because chula vista police told me i would have to file the report in the city that I live in. I also sent Chime a copy of that report. 

After Chime denied my original claim I noticed that there were 2 charges that they did not include on the dispute. XXXX from XXXX XXXX fro XXXX and XXXX from XXXX XXXX for {$60.00}. ( dispute XXXX ) I believed this is why they denied the original claim, because it looked to there investigators that i had authorized those charges. I did not. I clearly told the person that first handled my claim that all of the charges were unauthorized and i did not have my card in my possession since XX/XX/XXXX. I called to add those to my dispute and they opened another claim seperate from the original claim. This is problematic. I have asked them numerous times to combine the disputes because they are all connected. They say they will and do not. I have asked at least 3 times for a copy of the investigation and they have failed to give it to me. 

All the unauthorized charges were in either XXXX XXXX or XXXX XXXX. When I went home on XX/XX/XXXX to XXXX XXXX I never went back to XXXX XXXX. I never shop at the stores were these fraudulent charges took place. Some of them were for gas and I dont even own a car. Chime has fumbled this claim from the very start and I have given them numerous opportunities to make it right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX  A Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: TX

Complaint narrative:
On or about XX/XX/XXXX, I reported to Cash App that my debit card was stolen. I reported this through the Cash App. I was notified that I would receive a replacement card. After XXXX weeks, I never received the card, so I contacted Cash App support to inquire about the status of my card. I was notified that my request was not approved, but I was not provided a reason why. I have had at least XXXX complaints opened with the company and was only notified today, XX/XX/XXXX, that none of my previous complaints were being worked. Previous Cash App support advocates told me that my request for a card XXXX being denied due to multiple accounts using my information, which I rebuffed. I have had the same account for several years and have never had more than XXXX account ever. Cash App contacted me after I posted my concerns on social media, just to feed me the same lines about my request being denied and that no reason could be provided. I was told that my case was being closed and a new compaint would have to be logged, but the decision to deny the card was final. After speaking with many people in the cash app organization, I have gotten the run around and no specifics to my denial. I believe I have the right to know why I'm being denied a product as consumer and that cash app has the obligation to act in good faith. As of now, the only action taken by the company was to open and swiftly close my complaints without investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: MI

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

Company 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 2025-09-03 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: TX

Complaint narrative:
I did not authorize these accounts and suspect they are the result of fraud. Please remove them from my credit report immediately and investigate fully. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief