vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Hello, Dealing with Ally Bank. I had a large check for XXXX sent to my home address in Michigan . As I am overseas a lot of the year it had to mailed to me here and then returned it to them by priority mail and I have receipts of this. They received it at XXXX XXXX XXXX at the following, Ally Bank , XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I have an official record of it being delivered and of the check being cashed by them on the XXXX. 

Ally Bank has confirmed they received and cashed it XXXX XXXX, but will not deposit the funds into my acct. I will try to enclose a photo of the cashed check?. I signed the check as required by law and also a message that it should be deposited into the checking account ending # XXXX. It has not yet been deposited. The image of the check has printed that it has been credited to somewhere? But only the good Lord knows. What are they holding it for?

I have two checking acct 's with them and both of them allow up to XXXX XXXX overdraft with no fee.

Ony one of them has been used as I am completely broke. I have spent countless hrs on the phone form overseas at very high cost, emails endless chats. No resolution. Can you please help? I simply do not know what to do.

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 2025-08-28 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: TN

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX -Balance {$42000.00} Date Opened XX/XX/XXXX Account Name : XXXX # XXXX -Balance {$2400.00} Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  # XXXX -Balance {$1000.00} Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX -Balance {$4100.00} - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
My account was hacked, on XX/XX/XXXX a payment in the amount of {$150.00} was taken from my account and credited to XXXX XXXX. I have never done business with this person nor do I know who this person is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XX/XX/year>, I received a notice from XXXX XXXX XXXX XXXX claiming I owed {$630.00} on an account ending in XXXX that was allegedly sold to them by XXXX XXXX XXXX XXXX I dispute the validity of this debt and on XX/XX/year>, I sent a written cease-and-desist letter pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). In that letter, I requested all collection efforts stop unless proper verification of the alleged debt was provided. Despite this, I have continued to receive communications attempting to collect without verification. This is causing me unnecessary stress and constitutes a potential violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-28 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: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: OH

Complaint narrative:
Denial of school misconduct discharge is unfair. The school is went to defrauded me and lied to me and most of the documentation is lost. The school was sued into bankruptcy by the federal government. I can not use my degree, and paying back these loans has caused unnecessary issues and harm to myself financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. 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 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app I told them I was being hacked I noticed the contacts are not all mine that I know.

My acct is placed in a pool, where someone is taking money.

I have already lost money and they are lieing about where it's going.

I can not even get my over draft protection like I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: NC

Complaint narrative:
A medical collection account from Debt Recovery Solutions , LLC was added to my credit report with an opened date of XX/XX/2025 and reported on XX/XX/2025 for {$1400.00}. 

This reporting violates the credit bureau policy and the National Consumer Assistance Plan rules requiring a 1-year waiting period before medical debt can be reported. The account was reported just over a month after the opened date. 

Additionally, I have no record of any medical services, dates during the timeframe or billing related to this account. I requested validation from the debt collector and disputed with the credit bureaus. Despite this, the tradeline remains reported without proper documentation.

This account is inaccurate and incomplete under the Fair Credit Reporting Act and should be deleted immediately. 

I also added proof directly from my XXXX records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding SoFi Banks handling of my account.

On or around XX/XX/year>, SoFi restricted my account and sent me the following email : At SoFi, your account safety is our top priority. We are reaching out to let you know that we recently noticed irregular activity on your SoFi Bank accounts. For your protection, your accounts have been temporarily restricted while our team investigates the nature of the activity. We apologize for the inconvenience, but during this time you will not be able to complete any deposit or withdrawal activity on your accounts, transfer funds, or use your debit card. Please reach out to us as soon as possible to review your account.

I immediately called SoFi as instructed and was told I would receive an email with more information within a few days. More than a month has now passed, and my account remains restricted without any clear explanation or resolution.

The most troubling aspect is that, despite restricting my account to prevent activity, SoFi approved a transaction on XX/XX/XXXX that further overdrafted the account. Because the account is restricted, I am unable to take any action to restore the balance. This directly contradicts SoFis own communication that you will not be able to complete any deposit or withdrawal activityor use your debit card during the restriction period.

I respectfully request the CFPBs assistance in investigating this matter and ensuring that SoFi : 1. Provides a clear explanation for the prolonged restriction, 2. Restores my access to my account or provides an appropriate remedy.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To : LVNV Funding, LLC Re : Cease and Desist Dear LVNV Funding, LLC, I am formally notifying you under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., to cease and desist all communication with me in connection with the alleged debt referenced above. 

For the purposes of the FDCPA, reporting information to consumer credit reporting agencies constitutes a form of communication. Accordingly, I demand that you immediately stop reporting or updating any information related to this alleged debt with the credit reporting agencies. 

If you believe you are legally entitled to continue collection activity, your only permissible action under 15 U.S.C. 1692c ( c ) is to notify me in writing that you intend to take specific legal action. Any other communication, including furnishing information to credit reporting agencies, will be considered a violation of federal law. 

Please confirm in writing that you have received this cease-and-desist notice and that you will comply with the above. 

Sincerely XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Opportunity Financial, LLC
State: AZ

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a loan I received from OppLoans ( Opportunity Financial , LLC ). 
Loan amount : {$2000.00} Loan start date : XX/XX/XXXX Loan end date : XX/XX/XXXX Total paid : {$3700.00} Total interest paid : {$1700.00} Effective APR : approximately 132 % This loan carried an extremely high cost. For comparison, if the same {$2000.00} had been borrowed at a fair market rate of 18 % APR, the total interest would have been under {$200.00}. Instead, OppLoans charged nearly ten times that amount. This interest rate placed me in financial hardship and I believe it constitutes predatory lending. I respectfully request that your office : 1. Review the loan terms and determine whether OppLoans has violated fair lending, usury, or consumer protection laws. 2. Take appropriate enforcement action if violations are found. 3. Consider relief or restitution in my case. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting XXXX account # XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A.States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-08-28 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: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting XXXX account # XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A.States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/year>, {$350.00}, company XXXX. I got XXXX charged each {$350.00} which I not show up big events yet because I not get any tickets from company sent email to me on XX/XX/XXXX. I been wait long. I did call company about where is tickets for event because I paid XXXX each ticket. They keep ignore me and keep hung on me because XXXX XXXX  I use videophone with XXXX. I did email and report to my bank for open dispute claim on XX/XX/XXXX. I got credit temporary money back until today XXXX XXXX they denied my claim and took my bank negative.

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