vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-29 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: MO

Complaint narrative:
Please go through the documents provided, as the inquiries were received unexpectedly and could be unapproved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
I have disputed this account multiple times over the years with it just updating as verified with no verification given. This is not my account. The amount is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: VA

Complaint narrative:
I checked my cashapp account on Monday XXXX XXXX XXXX  and it said my account was closed for suspicious activities i immediately became frustrated because I know of several other people who said cashapp just closed their account for no reason, I reached out to cashapp support requesting why my account was closed and I was told that they cant see any reason as to why it was closed. I went online and XXXX to see if this has happened to anyone else and over XXXX people left reviews and complaints that cashapp closed their account for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
I am writing to request assistance with my loan account with CashNetUSA. I have attempted in good faith to communicate with the company and resolve this matter responsibly, but I have encountered conflicting information and a lack of meaningful written assistance. 

I contacted CashNetUSA to request hardship assistance and asked that all communication and any proposed repayment or settlement options be provided in writing for documentation purposes. CashNetUSA requested that I explain my financial hardship, which I did in writing. After doing so, I was informed that they could not offer settlement assistance, despite advertising hardship options and continuing to reference payment plans. 

Additionally, I received emails suggesting that a bank account authorization or ACH payment setup was required, even though I did not provide new bank information or authorize any electronic fund transfers. I explicitly did not agree to any payment plan or ACH authorization, yet the messaging implied payment authorization activity without my consent. 

Throughout this process, I have : Communicated in writing Acknowledged the debt Requested hardship review Offered to resolve the account voluntarily Requested clear, written documentation of any options Despite this, CashNetUSA has continued to push payment plan and ACH authorization language while denying settlement assistance and failing to provide consistent, documented resolution options in writing. 

I am concerned about : Conflicting and misleading communication regarding hardship assistance Pressure to authorize electronic payments without a written agreement Failure to provide clear, written explanations of available resolution options Lack of transparency in how my hardship request was reviewed I am not refusing to pay this debt. I am requesting fair, documented communication and review consistent with consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I submitted CFPB complaint XXXX XXXX My brother and I are the only children and sole heirs of our father who died on XX/XX/XXXX in XXXX XXXX XXXX California. He was XXXX  and a California resident. 
His estate qualifies as a California small estate and is not subject to probate. Our father held a checking account at BMO Bank N.A . After his death, we provided BMO with an original death certificate and a notarized California XXXX XXXX XXXX, establishing our legal right to the funds. Despite this, BMO closed the account and stated that it mailed a check for the full balance to our fathers home address. My brother and I never received the check and were unable to locate it.

To our knowledge, the check has not been cashed. BMO has refused to place a stop payment, reissue the check, or otherwise release the funds, stating that the account is closed and nothing further can be done. We retained an estate attorney, who again provided BMO with the required documentation, including a notarized small estate affidavit and original death certificate. BMO still refuses to cooperate or release the funds.

Initial Resolution Requested : I request that BMO Bank N.A . be required to : Account for the missing check, Place a stop payment if the check has not been negotiated, Reissue the funds to the rightful heirs in compliance with California small estate law I received a response from BMO on XX/XX/XXXX stating " stop payment was placed on outstanding check '' and a " Declaration of Loss Affidavit and XXXX XXXX '' form was attached. 

This is not a satisfactory resolution as I ( as the son/heir ) do not have the information needed to complete the form. I do not have the date of instrument and instrument number. I am neither the drawer of the instrument, the remitter, or the payee named on the instrument. The form also asks if I would like BMO to " issue a refund for the amount of the instrument to the account shown above '' or " issue a replacement check ''. There are no other options listed on the form. A refund can not be issued to the checking account from which it was drawn from because the account was closed by BMO. A replacement check should not be mailed to the address on record with BMO because my father is deceased and no longer lives at that address and I do not have a way to receive mail at that address. The original check was reportedly mailed to the address on record which is how it got lost in the first place. I need to know exactly how to complete this form, where to send it, and what other
documents may be needed to accompany this form in order to resolve 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 2025-12-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Synergy One Lending, Inc.
State: IL

Complaint narrative:
I closed on a heloc loan on XX/XX/2025 Loan XXXX and funds have not been disbursed. Ive called them numerous times and they keep saying they have escalated it to upper management and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-29 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: Chime Financial Inc
State: IL

Complaint narrative:
My debit/credit card was stolen and used without my authorization. I discovered an unauthorized charge in the amount of {$1500.00} from XXXX XXXX XXXX XXXX on XX/XX/2025 a business I do not recognize and have never done business with. I have never purchased any services or products from this company, nor have I authorized any transaction with them. 
At the time of the transaction, my card was not in my possession, and I did not use my PIN or provide my card information to anyone associated with this business. This charge is fraudulent and was made without my knowledge or consent. 
I am requesting a full investigation into this unauthorized transaction and a refund of the {$1500.00}. I have taken steps to report my card as stolen and to prevent further unauthorized use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: AZ

Complaint narrative:
1st Company is Transunion- is failing to look into my documents with 2nd CompanyXXXX XXXX and when I disputed this account for the XXXX or XXXX time showing proof of contract with fraud, my credit report dropped by XXXX. 
I was not aware of a dispute lowering your score when their were NO CHANGES to the account. 
3rd XXXX XXXX I provided proof of the Purchase being under a promo & how the 1st cell phone bill their was charges that were NOT in the agreement 4th XXXX XXXX  debt collector for XXXX & being harassed by the company, when I would call to process the payment they would try a week later to clear. 
5th Equifax as well with the same accounts 6th Experian is having XXXX show on my credit report then dissappear. 
7th All 3 Credit Bureaus Transunion, Equifax & Experian show different Terms & show wrong dates of payments with XXXX. 
Transunion has been EXTREMELY SNEAKY with my account alongside with XXXX. As well in my documents you can see a " XXXX XXXX XXXX '' account taking 2 years for a result when that account has been removed. It is Transunion trying to make it seem like it was one of the accounts just disputed got " resolved '' thinking I would not catch on. 
These accounts need to be ENTIRELY COMPLETELY % 100 REMOVED IN TOTAL FROM ALL 3 CREDIT BUREAUS MY CREDIT REPORTS. THEY ARE ALL FAILING TO COMPLY WITH F.C.R.A & T.I.L.A

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 2025-12-29 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: FL

Complaint narrative:
Summary of Complaint : I am a Public Service Loan Forgiveness ( PSLF ) borrower serviced by MOHELA. I am disputing the placement of my federal student loans into a SAVE General Forbearance from XX/XX/XXXX through XX/XX/XXXX, which MOHELA has stated is ineligible for PSLF credit. This forbearance was applied without my request or authorization and has resulted in the loss of qualifying PSLF months. 

Detailed Explanation : I was enrolled in the PAYE income-driven repayment plan and submitted an IDR recertification on XX/XX/XXXX in response to a deadline. I did not intentionally request enrollment in the SAVE repayment plan, nor do I recall selecting a lowest monthly payment option. I was not notified that my IDR submission would result in placement into SAVE General Forbearance. 

MOHELA has acknowledged in writing that my account was placed into forbearance due to delays in the processing of IDR applications related to ongoing litigation, not due to borrower request. However, MOHELA has repeatedly failed to provide any documentation showing that I authorized enrollment in SAVE or consented to the resulting forbearance status.

Despite my written requests, MOHELA has not provided : 1. Proof that I selected SAVE or the lowest monthly payment option 2. Documentation of borrower authorization 3. Evidence of notice informing me that SAVE General Forbearance would apply Because this forbearance was administratively applied due to servicer/system delays rather than borrower action, the loss of PSLF credit is inappropriate and harmful. Federal Student Aid has stated that correction requires servicer documentation, which MOHELA has declined to provide.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-29 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: NC

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX XXXX XXXX XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : 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

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 2025-12-29 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 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.

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 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
The sole borrower on an auto loan passed away. 

After her death, the vehicle was repossessed. I contacted the lender multiple times by phone and email to report the death and to request confirmation of whether the loan included XXXX XXXX XXXX or any death-related coverage, as well as instructions on how to submit a death certificate. 

The lender refused to provide this information unless I first provided documentation showing that I am the Executor or Administrator of the Estate. I have not been appointed by any court and am not requesting account access or assuming liability.

Phone calls resulted in long hold times or disconnections, and written requests went unanswered. I am requesting assistance to obtain a written response regarding insurance coverage and proper handling of a deceased borrower account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: American Credit Acceptance, LLC
State: TX

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
PLEASE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF XXXX XXXXXXXX XXXX XXXX XXXX, DEFENDENT Case Number : XXXX SPECIAL ATTENTION TO THE FOLLOWING PARTIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Application for Pro Hac Vice Admission Pending ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorneys for Plaintiff Consumer Financial Protection Bureau

Company response to consumer: Closed with non-monetary relief