vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
We have tried to dispute unauthorized charges by XXXX posted on our American Express XXXX XXXX account with the last 5 digits XXXX. XXXX XXXX has charged XXXX for 10 months straight and has refused my attempts to cancel after a supposed free trial. XXXX does not have any way to contact customer service by phone and their chat system is maned by chat bots, not real people, who try to make it impossible to cancel. This is fraudulent business practice and needs to be dealt with. American Express agents have told me that they are bound by XXXX XXXX 's cancellation policy. I need your assistance in getting XXXX returned to my account which has been fraudulently taken by XXXX. Thank you in advance for your attention in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by TransUnion Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX XXXX. I request that my name be updated to reflect the correct information.

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX while my credit report shows an outdated address of XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I request that my current address be updated accordingly. 
3. Incorrect Contact Information : The phone number listed on my credit report, XXXX, is no longer in use. I request that my new phone number, XXXX, be updated as my primary contact number. 
Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
Request for Confirmation : I request that TransUnion investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : If you require further information or documentation, please do not hesitate to contact me at XXXX or by email at XXXX Thank you for your prompt attention to this matter.

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 2025-08-11 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: MOHELA
State: NC

Complaint narrative:
MOHELA has been unreachable in regards to my student loans. Their website does now allow me proceed with selecting a new payment plan. When I try to call I have been on hold for 6+ hrs and have not been able to get through to anyone. I have no idea what I am supposed to do especially now that interest has been accruing again on my account. I was with the SAVE plan and PSLF.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CO

Complaint narrative:
I received a text message asking me to confirm whether I used my Chime card at a XXXX in another state. I replied to that text message that no, I had not, and received an immediate follow-up text asking me to expect a call from Chime to confirm the security of my account. I received a phone call from a person who identified themselves as a Chime representative, and they asked me for my first and last name, as well as the last four numbers of my social security number, which I provided. Moments later, I received a notification on my phone, alerting me to a transfer of funds via the " pay anyone '' feature. I opened my Chime app, and my entire savings account had been emptied and closed. The former balance was {$760.00}. I immediately disputed the transaction through the Chime app, and was informed, again through the app, that an investigation was taking place. I also called the Chime customer service number, and when I was connected with a live agent, was asked to submit a police report through the " supporting documents '' link in the open investigation via the Chime app. So I went online to my local police department 's website, and submitted a report, and when I received my copy, I submitted it to the Chime app. Days later, the investigation was marked as Closed, saying the investigation found no errors, and would not be reissuing any funds to my account. I called the Chime customer service number, and when I was connected with a live agent, I was told that they would not be reopening the investigation without new and additional information, before terminating the call. I called the police station to ask what recourse I had, and was told that my only option would be to file a civil suit against Chime, except that Chime has an anti-arbitration clause, and you can only sue if a mediation with a third party fails. Additionally, the officer informed me that their case is still open, and in the unlikely incident that a suspect is brought into custody, I would be informed of the suspect 's identity and pending charges, and at that point, could file a civil suit against the suspect in custody for my lost funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute an unauthorized hard inquiry on my credit report. Someone has used my personal information to apply for a real estate loan without my knowledge or consent. I do not recognize this application and did not authorize the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CO

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX  Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
On XX/XX/year>, I sent XXXX XXXXXXXX a written request for full debt validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), including a signed agreement, original application, or electronic signature, plus a complete payment history. XXXX XXXX responded with only recreated statements and internal summaries, failing to provide meaningful verification. On XX/XX/year>, I sent a follow-up letter giving 15 days to provide proper validation or delete the account. On XX/XX/year>, they again failed to validate the debt. Despite this, XXXX XXXX has continued to report the disputed debt to XXXX XXXX XXXX XXXX This continued reporting of an unverified and disputed debt violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) ), which requires furnishers to cease reporting disputed information if it can not be verified, and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ( 8 ) ), which prohibits false or misleading representations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
XX/XX/XXXX I created a Venmo account. I went through the whole process, I gave them all my personal information and the account creation was successful. The account was immediately flagged for suspicion and I had to call the company. It took two weeks for them to fix the issue. My account was immediately flagged the second they said they fixed it. That took a day to fix. They immediately flagged it again. The company repeatedly said that they can not do anything whatsoever at that point. I filed a report to the FTC and that is when they got a representative to reach out. Said representative reiterated that they can not allow me access to the service despite giving them my information and told me to cancel my account. I did so. This whole process took roughly a month. As I am writing this, I finally have access to my account but I'm not sure if they will block it again and take the data and run like they did with the previous account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a co-signer on an auto loan with Regional Acceptance Corporation ( RAC ). In XX/XX/XXXX, the primary borrower ( my wife ) was on maternity leave, making it temporarily difficult to meet the full monthly payment. On a recorded phone call with RAC, we agreed to a split-payment plan for XX/XX/XXXX. 

I made a {$300.00} payment on XX/XX/XXXX and a {$400.00} payment on XX/XX/XXXX, which brought the account current per that agreement. Despite honoring the agreed terms, RAC reported the account as 30 days late for XX/XX/XXXX and increased the balance from {$33000.00} to {$33000.00}. This reporting is factually inaccurate and violates the Fair Credit Reporting Act ( FCRA 623 ). 

This inaccurate reporting has caused both borrowers credit scores to drop by over 45 points. Additionally, we have been making $ 783 monthly payments since XX/XX/XXXX ( approx. {$32000.00} total ), yet the principal balance has decreased by only {$250.00} raising serious concerns about the loans interest allocation and potential fee stacking. 

I believe RACs conduct constitutes : Furnishing inaccurate information to credit reporting agencies in violation of the FCRA Engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ) Potential predatory lending through unreasonable interest/fee structures

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 2025-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OK

Complaint narrative:
I was provided a loan balance and approved for a monthly payment amount. I started making payments, loan balance suddenly increased. I tried contact Mohela and just received a recording. The account went into a forbearance. I'm also disputing " DOGE '' accessing my private date through the Department of Education and I filing dispute FCRA 611 ( a ) ( 1 ) ( a ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NY

Complaint narrative:
I am writing to formally dispute and request the removal of inaccurate and unauthorized information currently reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. 
XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00}

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and raise concerns regarding the 2017 data breach involving XXXX, in which the sensitive personal and financial data of approximately XXXX  million Americans, including mine, was compromised. 

As a result of this breach, I believe that my personal informationincluding but not limited to my name, Social Security number, date of birth, and potentially credit card or financial datawas exposed without my consent due to XXXX XXXX failure to adequately safeguard consumer data.

Since the breach, I have experienced [ briefly describe any consequences if applicablesuch as identity theft, fraudulent accounts, credit score impact, etc. ]. This has resulted in [ describe hardship : time spent resolving issues, emotional distress, financial loss, etc. ].

I respectfully request the following actions be taken : A formal written confirmation detailing whether my personal information was affected by the breach.

A record of any unusual or unauthorized activity associated with my credit file since the date of the breach.

Immediate removal or correction of any inaccurate, fraudulent, or suspicious information from my credit file.

Confirmation that a security freeze, fraud alert, or credit lock has been placed on my file at my request ( if applicable ).

Access to free credit monitoring and identity theft protection services beyond what was previously offered.

Please investigate this matter and provide a written response within the 30-day period allowed under the Fair Credit Reporting Act ( FCRA ). I expect a resolution that reflects XXXX responsibility in this matter and protects me from further harm.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX Let me know if you'd like to tailor this to a specific incident ( e.g., identity theft ) or include legal references.

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 2025-08-11 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:
On XX/XX/year> I was notified by XXXX  that a credit enquiry appeared on my report from XXXX. I did not apply for any credit. I was on vacation so I didnt call XXXX XXXX Monday XX/XX/XXXX. The fraud department there was looking into it. 
On XX/XX/XXXX I received another alert. This time from XXXX XXXX Again I did not apply for this card. I spoke with someone at XXXX  and was told to freeze my credit reporting accounts, which I will do tomorrow. 
It is obvious someone has my information

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 2025-08-11 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:
On XX/XX/year> I was notified by XXXX  that a credit enquiry appeared on my report from XXXX. I did not apply for any credit. I was on vacation so I didnt call XXXX XXXX Monday XX/XX/XXXX. The fraud department there was looking into it. 
On XX/XX/XXXX I received another alert. This time from XXXX XXXX Again I did not apply for this card. I spoke with someone at XXXX  and was told to freeze my credit reporting accounts, which I will do tomorrow. 
It is obvious someone has my information

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 2025-08-11 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: PA

Complaint narrative:
On XX/XX/year> I was notified by XXXX  that a credit enquiry appeared on my report from XXXX. I did not apply for any credit. I was on vacation so I didnt call XXXX XXXX Monday XX/XX/XXXX. The fraud department there was looking into it. 
On XX/XX/XXXX I received another alert. This time from XXXX XXXX Again I did not apply for this card. I spoke with someone at XXXX  and was told to freeze my credit reporting accounts, which I will do tomorrow. 
It is obvious someone has my information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: LA

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: CO

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/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 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I noticed I had multiple unauthorized transactions on my account and filed a claim with cash app they denied my claim twice. 

Withdrawal XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$92.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$230.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In XXXXXXXX XXXX  I received promotional emails from XXXX advertising Account XXXX, an add-on protection plan that pays off the account if the cardholder becomes involuntarily unemployed, hospitalized, XXXX, or passes away. The emails stated the cost was {$1.00} per {$100.00} of my monthly statement balance. 
On XX/XX/year>, I emailed XXXX issuing bank ( Comenity ) asking how to enroll and what the cost would be based on my current balance. That same day, I also called customer service. I explained that the enrollment option did not appear online and that the promotional email links were not working. I was told I had to enroll online, and my concern about the non-functioning access was disregarded. 

On XX/XX/year>, XXXX replied by email confirming that Account XXXX  could provide coverage for XXXX and that I could enroll online through the Account XXXX section of my account. However, as my account screenshots show, there is no such option anywhere in my online account, despite the website stating that enrollment is available anytime online. 

On XX/XX/year>, I became XXXX and unable to work. I contacted XXXX to request coverage under Account XXXX or an equivalent hardship program. Despite my documented attempts to enroll before my XXXX and meeting the exact hardship conditions described in their promotional materials, I was told there was nothing they could offer me. 

I believe this is misleading advertising and a failure to provide access to a marketed add-on protection product, which directly resulted in the loss of benefits that could have paid off my account.

Company response to consumer: Closed with explanation