vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: MN

Complaint narrative:
I am filing a complaint against Google Payments regarding fraudulent charges and the suspension of my payments profile. 

On XX/XX/XXXX, my XXXX XXXX XXXX XXXX was charged {$400.00} for XXXX Sunday Ticket under Googles merchant ID. This charge appears in Google Payments, yet my XXXX XXXX billing page shows no active XXXX XXXX XXXX subscription. 

On XX/XX/XXXX, my XXXX XXXX statement shows another {$400.00} charge under the same XXXX XXXX descriptor XXXX This charge does not appear in Google Payments at all. 

XXXX XXXX investigated both charges and refunded them as fraud. My bank statements clearly show the reversals. Despite this, Google has suspended my payments profile and continues to deny my appeals, claiming the charges were legitimate because they found no unauthorized logins. 

NOTE : I used email XXXX for my login here but the email used for my Google account is XXXX. 

I contacted Google Pay support on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX via email, each time providing documentation ( screenshots of Google Payments activity, XXXX XXXX billing page, and XXXX XXXX statements ). Each time, I received the same automated denial that did not address the evidence. 

This suspension prevents me from using Google services and penalizes me for exercising my consumer rights under federal law to dispute fraudulent charges with my card issuer. Google is requiring me to reverse the chargebacks in order to reinstate my account, which is unreasonable given that my bank has already confirmed 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 2025-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Kovo
State: GA

Complaint narrative:
I paid off KOVO credit builder account loan amount in full to {$0.00} balance. I asked for the company to remove account from credit report. Due to the fact of the account not helping my credit positively by remaining it as paid. However company refused and stated they do not do that. However I havent found any information or contract that states the account cant be removed from my credit. I asked via email again and I was ignored no reply or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Violations : No proof of ownership No signed contract No itemized statements Reporting without validating

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent accounts that are damaging my credit score. Please remove these reports, as they are affecting my ability to obtain credit.

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 2025-12-04 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: SC

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 2025-12-04 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: TX

Complaint narrative:
Review the items sent ; the inquiries came unexpectedly and might not be sanctioned.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2025-12-04 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:
1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

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 2025-12-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MD

Complaint narrative:
To whom it may concern, Complaint Summary : Nelnet is inaccurately reporting my XXXXXXXX XXXX student loan as XXXX  days late, even though : 1. There were no prior XXXX, XXXX, or XXXX lates, making a XXXX delinquency impossible. 
2. The loan has been XXXX due to my XXXX  XXXX, and delinquency reporting after discharge violates federal requirements. 
3. I submitted a direct dispute to Nelnet, but the account has not been corrected.

4. This inaccurate reporting is preventing me from purchasing a home.

I request immediate correction of the account to show : Discharged/Closed {$0.00} balance Removal of all late payments Nelnet is in violation of FCRA 607 ( b ) and 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am requesting a reinvestigation into several items appearing on my credit reports that I believe are inaccurate or unverifiable. Below is a breakdown by credit bureau of the specific accounts and inquiries I am disputing. 
XXXX Accounts in Dispute XXXX. XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Reported Balance : {$440.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Reported Balance : {$170.00} Reason for dispute : Both accounts are being reported without proper verification. I have not received any documentation validating the amounts, dates, or ownership. I request that Equifax obtain complete proof of accuracy from the furnishers. If verification can not be produced, the accounts must be removed as required by the FCRA. 

Inquiries in Dispute XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Reason for dispute : These inquiries were not authorized by me and I did not initiate any application that should have triggered them. I request that Equifax verify the permissible purpose and remove the inquiries if they can not be validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I received letter today from Ally, just a first name " XXXX '' stating my Mother is still Trustee, this is untrue as XXXX medical doctors have declared her incompetent and per her trust that's when I become her POA and take over as Trustee. They have all the documentation. They say my sister and I are co-trustees, this is untrue, per her trust, I am sole Trustee. If I unable to act as her trustee, my sister takes over. they have these documents for going on XXXX  months.. Then they accused me of FRAUD, as they said they were unable to authenticate me. Totally false, she refused to talk to and as stated in my previous compliant, she was told my Mom couldn't read, write or talk but insisted I put her on the phone, At that time she asked my Mom if I could hear her and was she in danger. My mother can't speak so that went nowhere and she turned it over to fraud assuming I was breaking the law. They have ALL so called updated trust documents, they've been sent numerous times. Since the CFPB keeps closing the complaint with conclusion I want to escalate to a higher Government office, one that will investigate and take my complaint SERIOUSLY!

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 2025-12-04 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: CA

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-12-04 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: OK

Complaint narrative:
I am filing a formal complaint regarding a missing Cash App payment. A friend attempted to repay me {$580.00} via Cash App. The funds were debited from his bank account, but the money never arrived in my Cash App account. Cash App repeatedly claimed that the funds were returned to his bank, but the bank has confirmed in writing that no return ever occurred. 

This has been unresolved for nearly XXXX months. Cash App customer service continues to repeat that the funds were returned, but refuses to provide any transaction proof, receiving-bank confirmation, or timestamped log verifying that claim. They also have stated that it is under investigation with no return. The money has effectively disappeared, leaving both parties without resolution and with financial loss. 

I am requesting CFPB intervention to compel Cash App to produce documentation of fund routing or immediately correct the failed payment and release the funds. This is no longer a pending transaction it is an unresolved loss of funds in violation of standard financial transaction accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: MS

Complaint narrative:
I am filing this complaint because multiple companies accessed my TransUnion, Equifax, and Experian credit file without my permission, authorization, or a permissible purpose, as required under the Fair Credit Reporting Act ( FCRA ). 

I did not apply for credit, did not consent, did not authorize, and did not have any existing relationship with these companies that would legally allow them to pull my credit. 

Despite this, TransUnion is reporting the following unauthorized inquiries : Unauthorized Inquiry List XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries were not authorized by me and were not initiated by any legitimate application for credit.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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:
I discovered inaccurate and unverifiable information being reported on my credit report that does not belong to me. I have contacted the credit reporting agency and the furnisher of the information, but the item remains uncorrected despite my dispute. This inaccurate reporting has negatively affected my credit score and financial 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 non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
After getting behind on my mortgage my home loan was sold to Shellpoint. I paid off the legal fees and missed payments and got out of foreclosure, and since them I've been making my payments on time yet I've accrued many months of missed payments and associated late fees. It seems to me that there is a processing error on Shellpoint 's part of which I have never been notified, and I am finding it impossible to pay them the amount that I owe. 

Last month I twice tried to pay off the outstanding payments. The first time ( XX/XX/XXXX ) I assumed I had cleared up the problem by paying {$5300.00}. I noticed, however, that my " regular monthly payment '' had increased to reflect the amount that I owed in late fees, as opposed to my agreed upon monthly payment of {$1700.00}. Ten days later I noticed the balance hadn't changed. I once again ( XX/XX/XXXX ) attempted to pay off the balance and once again I assumed that I had settled the problem. 

Today ( XX/XX/XXXX ) I received a notification that {$6900.00} was going to post to my account and logged in to see that my payment history indicated immediate refunds of the amounts I had paid when they originally posted and did NOT deduct them from the supposed balance I had accrued despite my having been up to date on my monthly payments. 

I am now trying to pay and receive an error message and they won't accept any amount in payment. I can not figure out why they won't post my payments to my account and it feels as if there is a predatory ignorance that will result in the foreclosure of my home. 

Additionally their customer service phone number is entirely automated, with the option to speak to a representative hidden behind a many seconds long pause at the end of a many options long automated menu. Other options that intuitively feel like they'd lead to a representative instead g to extremely unhelpful dead ends. For example there's an option for the phone system to tell you a phone number to call for customer service which happens to be the number you called in order to hear that bit of information. Combined with the opaque payment process and lack of transparency in servicing my loan, the walls that are put up through the customer service process makes the whole system feel designed to interfere with one 's ability to pay their mortgage on time, ultimately ending in foreclosure due to corporate incompetence. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NC

Complaint narrative:
I am disputing a late payment on my consumer report that is incorrect. The account has never been late, and the creditor provided no proof. This item must be corrected to paid as agreed and never late. This account was reported without my written consent, constitutes identity theft, and violates 15 U.S.C. 1681b ( permissible purpose ). Under 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ), you are required to ensure accuracy and promptly delete or correct unverifiable information. I demand that this item be corrected or removed immediately. Continued failure to comply may result in legal action for damages.

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