vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: GA

Complaint narrative:
I am submitting a complaint regarding EdFinancial Services, my student loan servicer, due to their repeated failure to process my legal name change in a timely and accurate manner. 

I was recently married and have updated all necessary legal documents to reflect my new legal name, including my drivers license, Social Security card, and financial institution accounts. On XX/XX/year>, I uploaded the required documentation to EdFinancials online portal. I was informed that the documents would be scanned into their system within six ( 6 ) business days.

However, the documents were never processed. On a later date, I received an email stating the documents had not been uploaded, despite my original submission. I have since re-uploaded the documents, but I have not received any confirmation that they were uploaded, received, or scanned into my account. 

On XX/XX/year>, I contacted EdFinancial directly. The representative I spoke with simply apologized for the inconvenience, but offered no resolution or sense of urgency. As of today, my account continues to reflect my maiden name, despite the fact that all of my legal and financial records have been updated elsewhere. 

This lack of action is particularly concerning because my loan repayment is set to begin in late XX/XX/year>. I can not make payments using my personal bank account, as the account is in my current legal name, which does not match the outdated name EdFinancial continues to have on file. This creates a direct and urgent risk of payment issues, delinquency, and damage to my credit standingthrough no fault of my own. 

EdFinancial has not provided any meaningful assistance, only repeated apologies, without addressing the issue or offering a timeline for resolution. I am requesting that the CFPB investigate this matter and require EdFinancial to promptly update my account with my correct legal name and ensure that borrowers are not put at risk due to servicer negligence or administrative delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
XXXXam filing a complaint against Cash App (Block, Inc.).XXXXApproximately XXXX month ago, my account was suddenly restricted after receiving a $XXXX  transfer with a message referencing XXXX. Immediately after, Cash App froze my account balance of XXXX XXXXI contacted Cash App support multiple times by phone and email. I was told the issue had been resolved, but for the past two weeks I still cannot withdraw or use my money. I have not violated Cash Apps Terms of Service, and I am a U.S. resident using my account legallyXXXXI am requesting that Cash App provide:XXXX1XXXXA formal written explanation of why my account was restricted.\XXXXXXXXClarification if my funds are being held due to XXXX sanctions or an internal Cash App compliance policy.XXXXImmediate release of my funds in the amount of XXXX USD.XXXXThis situation has caused me financial hardship, and I believe Cash App is unlawfully withholding my funds without due process.XXXXDesired resolutionXXXXI want Cash App to release my balance of XXXX  USD immediately and restore full access to my account.XXXX XXXX XXXX XXXX XXXX XXXXCash app acconunt XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX U.S. Code XXXX ) 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 2025-10-01 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: MS

Complaint narrative:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Credit reporting, I am submitting this rebuttal to formally document that both Experian and TransUnion have refused to respond to my complaint through the CFPB process. I contacted each company directly and escalated the issue to my state Attorney Generals office. Despite these efforts, both companies declined to cooperate or investigate the matter.This complaint involves a failure to properly investigate an existing credit reporting issue, which may constitute a violation of the Fair Credit Reporting Act ( FCRA ). Their refusal to engage in any resolution process has caused ongoing harm and undermines consumer protections.I request that the CFPB flag this pattern of noncompliance for supervisory review and consider further regulatory action. I am also pursuing additional remedies through the FTC and legal channels. 

You believe the issue remains unresolved and harmful Request that CFPB flag this pattern for supervisory review.

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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to state that I do not recognize or authorize several of the negative accounts and hard inquiries that are appearing on my credit report. I was not aware of these accounts or inquiries, and I have never given permission for them to be opened or reported in my name. These items are inaccurate and misleading, and I am disputing them in full. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., any information that is incomplete, inaccurate, or unverifiable must be removed from my credit report. Because these accounts and inquiries do not belong to me, I am requesting their immediate deletion from my credit file. I am making this statement to clearly document that I do not accept responsibility for these accounts or inquiries, and I request that the credit reporting agencies and any data furnishers conduct a proper investigation as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: PA

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 2025-10-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours
State: NV

Complaint narrative:
I revoked ACH authorization and still saw pending debits from company. I reached out to have them reversed and was told to reach out again later once they posted for assistance. I was told they can only be reversed when in pending and that they can not stop the payments now. I was misinformed and now my account is over {$100.00} negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Marcadis Singer PA
State: FL

Complaint narrative:
On XX/XX/year> Marcadis Singer PA XXXX XXXX  received my Debt Validation Request Letter. 
This letter was sent by Certified mail and I did get confirmation that they did receive and sign for this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I applied for a mortgage with Rocket Mortgage on XX/XX/year>, as the sole applicant. From the outset, I fully disclosed that my husband and I were separated but not yet divorced. I was reassured repeatedly that a formal divorce decree would not be required, and that an attorneys letter or written agreement showing my husbands financial responsibility for our marital home would be sufficient. Based on those assurances, I proceeded through the application and was pre-approved with an initial closing date of XX/XX/year>. 

Timeline of Events : XX/XX/XXXX : Submitted application and obtained pre-approval as sole borrower. Clearly disclosed separation status. 

XXXX : Worked with Rocket representatives to pay down credit card debt as requested. 

XXXX : Confirmed multiple times that an attorney letter confirming my spouses financial responsibility for the marital home would satisfy documentation requirements. 

Early XXXX : Was told we were on track and could likely close early since I was purchasing from family. 

Week of XX/XX/XXXX ( Scheduled Closing ) : Without prior notice, Rocket informed me they would now require a court-filed or judge-signed separation or divorce decree. I explained this was impossible within days. My attorney provided a notarized separation agreement as discussed and previously approved, but Rocket refused to accept it. 

XXXX : I was advised to have my attorney file the separation agreement with the court to meet underwriting requirements. I complied, and was again told it was still not sufficient. 

XXXX XXXX : After daily follow-ups and repeated escalation, I was told the only acceptable documentation would be a finalized divorce decree, with the justification, What if your ex-husband dies? 

This requirement contradicts what XXXXcket stated from the beginning and represents a clear change in underwriting standards mid-process. 

Regulatory Concerns : 1. Failure to Honor Prior Representations ( UDAAP ) Repeatedly changing documentation requirements after written assurances constitutes deceptive or unfair practice under CFPBs UDAAP standards.

2. TRID Violation I was not provided with accurate or timely disclosures regarding closing timelines or conditions, nor updates when material terms changed. 

3. Lock-in Deception My original rate lock expired on XX/XX/XXXX. Despite my improved credit profile and market rates, Rocket failed to provide updated rate options or transparency on relock terms. 

4. Prolonged and Unjustified Delay My loan has been in process for nearly 90 days, with no resolution, despite providing every document requested multiple times. 


I am purchasing this home from family and have already moved in and begun improvements. These delays have caused significant financial and personal hardship and have placed strain on family relationships.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
I have previously disputed with EQUIFAX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: AZ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paysend US LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent {$820.00} to a family member in XXXX XXXX via Paysend. I have used Paysend successfully in the past, but I have also had some issues in the past which were eventually resolved. This time, the money is never received ( as of today : XX/XX/year> ). Paysend says that the money was delivered the the recipient 's bank account ( XXXX ), but the recipient never received it. We contacted XXXX and they told us to contact Paysend. We've been going back and forth with the two institutions since then with Paysend saying the money was received by XXXX, and the Banreservas saying they have not received and can't track the money. Paysend requested bank statement to verify that the money was not received, which we provided and which clearly shows that the money was never deposited on the account. Then Paysend took a few days to investigate and then ultimately decided that the money is with the Bank and, once again, sends me to the bank. We contacted the bank again which sends us to Paysend. Since XX/XX/XXXX, I have been requesting that they return the money to my account, but they refused to do so. This was supposed to be an instant money transfer and my family member was in dire need of the money for something urgent. Now they are telling me it will take them another 90 days to investigate further. This is very unfair and unacceptable. They failed to deliver the service that they were paid for and took my money out of my account and now refuse to put it back. I have had may issues with them in the past keeping my money for days before returning it to my account, but this is way out of line.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Dear XXXX XXXX, I am writing to follow-up on our phone conversation earlier today. As we discussed over the phone, you won your court case, XXXX, Midland Credit Management XXXX XXXX XXXX XXXX Congratulations! I am attaching the court order to this email for your records. 

You should note that Midland can still appeal this case to the Court of Common Pleas in the next 30 days. If the case is appealed, I will not be notified. You will be notified directly. For this reason, if you receive any notice that this case is appealed, you should contact me right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
NCB MANAGEMENT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB MANAGEMENT SERVICE is a debt collector. They are falsely reporting on my credit!! Account number isXXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
XXXX, XXXX and demand to verify when XXXX dated XX/XX/2016 was delivered to Caliber Home Loans XXXX XXXX and who delivered it. 

Demand to disclose when exactly undated XXXX was created by XXXX. 

Demand to disclose to whom XXXX transferred this XXXX and when XXXX delivered this XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a Wells Fargo checking account that went negative by only about {$10.00}. Instead of declining transactions, Wells Fargo continued approving them and charged me daily overdraft fees. These fees quickly snowballed until my account showed a negative balance of over {$500.00}. I am currently unemployed and do not have the means to pay these fees. 

I called Wells Fargo and asked for help. They only refunded {$70.00} in fees, leaving me with a negative balance of {$330.00}. They have since closed the account, but I am still being told I owe this balance, which is entirely made up of overdraft charges. 

I believe these fees are excessive, unfair, and predatory. I am requesting that Wells Fargo reverse the remaining overdraft fees and bring the account balance to {$0.00} so I can move forward without this financial burden.

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