vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
Credit Acceptance Corporation it seems is trying deliberately to harm my status as a human being and they are violating 'The Declaration of Independance ' in My quest of 'Life Liberty & the Pursuit of Happiness '

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 card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Exto Inc.
State: CA

Complaint narrative:
I opened this Atlas Card account in XX/XX/year> and paid the {$89.00} annual membership fee. On XX/XX/year> ( just one month later ), the business abruptly closed my account without prior notice, citing vague 'security reasons '. This occurred while I am traveling abroad, leaving me stranded without access to my funds. 

Trapped Funds : I have a remaining balance of {$220.00} in my account. The business refuses to transfer these funds electronically to my linked bank account, despite being informed that I am currently abroad and can not receive a paper check at my registered home address. Unfair Practice/ Theft of Fee : I paid {$89.00} for a year of service but received less than one month. The business collected the fee and then terminated the service without cause. Lack of Communication : I received no warning or 'Notice of Closure '. My last communication from them was a successful payment confirmation just days prior. 

I attempted to resolve this with their support ( XXXX XXXX ), but they stated the decision is final and ended the chat without providing a viable refund method

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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX to XX/XX/year>XXXX   I had credit card capital one bank ( account ending in XXXX ) payment passes. I called them to accept my payment, but they refused to have it in their bank records. They claim that they notified me about it, but they had my old address, I completely forgot about this bank and didn't notify them about the change of address, but they could call me, but they didn't do it, I did it. In XX/XX/year>, I paid the full balance on the credit card, After that, I checked my credit history and saw four missed payments. 
They ruined my credit history, they ruined my life. They didn't notify me about payment omissions. They wrote to the old address and they didn't even try to contact me. As a result, they indicated incorrect data about missed payments in my credit history ( 4 missed ), which is not true. I took all the responsibilities to pay, but they didn't help me.

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: CA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: IL

Complaint narrative:
This complaint concerns continued collection activity and inaccurate credit reporting by MOHELA after a federal student loan discharge related to XXXXXXXX XXXX. My Federal Student Aid records show multiple XXXXXXXX XXXX loans were legally discharged under Borrower Defense, with loans marked Loan Discharged or Cancelled at {$0.00} balances. 

Despite this, MOHELA continues to report two Direct Consolidation Loans as in default with active balances, even though the underlying loans were discharged. This is a known servicing error : the discharge was applied to the component loans but not properly applied to the consolidation loan wrapper. 

As a result, MOHELA has continued collection activity and furnished inaccurate information to consumer reporting agencies. XXXX has already removed the tradeline due to inability to verify, while XXXX and XXXX  continue to report the accounts inaccurately. MOHELA previously responded to a CFPB complaint by asserting delinquency and threatening credit reporting, without addressing the discharge reflected in Department of Education records.

Continued reporting and collection on a discharged loan constitutes inaccurate furnishing under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and improper federal student loan servicing.

I am requesting CFPB intervention to require MOHELA to : Correct the Direct Consolidation Loan balances to {$0.00} Remove the incorrect default status Cease all collection activity Correct or delete all related credit reporting Provide written confirmation of resolution This matter is also under review with the Federal Student Aid Ombudsman.

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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I enrolled in an Experian free trial through the XXXX XXXX XXXX. The free trial ended and a renewal charge of {$24.00} was attempted but failed due to insufficient funds. I did not authorize or intend to continue a paid subscription and did not use any premium services after the trial ended.Despite the failed charge and cancellation through XXXX, Experian is blocking my access to their legally required free basic credit services and demanding payment of {$24.00}. I am unable to contact Experian through their app or website due to this account lock.Since this subscription was billed through XXXX Experian is not authorized to collect payment outside of the XXXX XXXX. I am requesting that Experian remove the invalid balance, restore access to my free credit services, and stop attempting to collect payment for an unauthorized renewal.

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: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: NC

Complaint narrative:
I am submitting a complaint against Halsted Financial, a debt collection agency, for conduct that I believe violates the Fair Debt Collection Practices Act ( FDCPA ). 

The debt collector sends me emails twice per day, repeatedly. I believe this frequency constitutes harassment or abuse in violation of 15 U.S.C. 1692d. The collector has also sent emails on a federal holiday, XXXX XXXX, which I believe may violate 15 U.S.C. 1692c ( a ) ( 1 ) by communicating at a time that is inconvenient. 

Additionally, the emails include an opt-out link that triggers a browser warning stating the site is not secure. This raises concerns about the safety of my personal information and whether the opt-out process is legitimate. I believe this may constitute deceptive or unfair practices in violation of 15 U.S.C. 1692e and 1692f.

I have not consented to such frequent communications. I have provided copies of the emails, screenshots of the security warning, and a log of dates and times upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: FL

Complaint narrative:
XX/XX/XXXX I woke up to a text from someone I didnt know and calls as well then as I continued to check my phone someone was trying to access my email as well as all my money in chime gone completely sent to someone via the CHIME APP. I called chime immediately as I was checking my whole phone to see what was accessed they transferred all my savings and checking as well as accessing my my pay and pulling money from my next paycheck. I was logged out of the email connected to the account but was able to get back in while still BEING ON THE PHONE WITH CHIME. I spoke to XXXX people my first day speaking to the bank XXXX being a supervisor. And started a dispute I uploaded my documents and spoke to them again after that. The morning of the XXXX my dispute was closed with no credit so again confused and upset I called again to figure out why it was closed i spoke to and agent who told me she would reopen my case and send me an email I never received and emailed at XXXX am while I was at work the morning of the XXXX I called again and spoke to a second agent who said my dispute was never reopened but that they would reopen it I immediately asked to speak to a supervisor. They did nothing but reopen the case and hung up. I called XXXX time to make sure that it actually got reopened this time.now it is the morning of XX/XX/XXXX XXXX and my dispute has just been denied again I think that is highly unfair and rude I shouldve been notified of a log in on my account and that it shouldve been taken way more seriously I did not authorize any transactions or payments of All my money and Ive given quite enough evidence of fraud and yet I still got no help

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 is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a data broker report from my 2024 data breach Move It hack account was coming back on the credit report for cyber liability claim with stolen credentials. I have a XXXXXXXX XXXXXXXX data breach breach of contract obtaining property under false pretenses. I have a mortgage account fraud with a legal representative claim from the XXXX XXXX XXXX to refund my claim to my bank from a winner live. com. My telegram dark web identity defense account showing a ransomware attack with my with Combo list XXXX. My account was showing a forgery compromised email. The bank has a delay of payment from the insurance policy. I wanted to update my restoration with XXXX XXXX. I have a dispute with my accountant to file a obtaining property under false pretenses and breach of contract with my management.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
While traveling in XXXX on XXXX night, I was XXXX  XXXX  robbed. My XXXX, XXXX, wallet, and government-issued ID were stolen. The following day, after my phone was already stolen, unauthorized transfers totaling approximately {$2200.00} were made in three separate transactions from my Cash App balance. I was stranded without a phone and unable to immediately report the fraud. Once I regained access 2 days later, I reported the unauthorized activity, provided a police report and IMEI block confirmation, but Cash App denied reimbursement and stated its decision was final. They also did not honor the request to send written detail as to why.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
An open account on my credit report is being reported with a late payment that is inaccurate. This information does not reflect my true payment history. I disputed this error, but the credit bureau has continued to report the late payment without proper correction. This inaccurate reporting is harming my credit profile and does not comply with the Fair Credit Reporting Act.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ADP Inc.
State: NY

Complaint narrative:
My Early Deposit is not Becoming available on time with this financial institution everytime when am going to recived my check coming from SSA Social Security Administration they are taking so long to become my funds available on my Wisely Checking Account please investigate and help me why this bank keeps holding my funds before the early deposit date

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear CFPB Representative, Im writing regarding unauthorized credit inquiries that appear on my credit report. 

I submitted a dispute directly to Transunion, but have not received a response. 

I also filed a formal complaint with the FTC, reference number ( XXXX ), to document the unauthorized activity on my credit report. I request that the unauthorized credit inquiries be removed from my Transunion credit report. 

My most recent report shows two ( 2 ) credit inquiries that I dont recognize, or have I authorized any company or person in writing to conduct any business on my behalf. The following inquiries are detailed below : 1. XXXX Bank XX/XX/year> 2. XXXX  XXXX XXXX XX/XX/year> I also request the removal of the following addresses that appear incorrectly on my report and that my current address be retained. 

XXXX XXXX XXXX XXXX, XXXX, FL XXXX Remove ( never resided here ) XXXX XXXX XXXX, XXXX XXXX, Florida Update to current address These incorrect addresses may facilitate identity fraud and affect the accuracy of my credit report under the FCRA. 

I respectfully request that the CFPB investigate this FCRA violation and remove this unauthorized inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: TX

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in 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 non-monetary relief
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 — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Im writing personally to dispute several closed accounts on my credit report that contain errors or can not be verified. 

Under the Fair Credit Reporting Act ( 1681i and 1681e ( b ) ), if these accounts can not be verified with original documents, they must be deleted not just marked disputed. If theres no permissible purpose for reporting them, that also violates 1681b. 

Please conduct a proper reinvestigation and delete any unverifiable items. I request an updated report once the review is complete.

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 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
I am submitting a formal complaint regarding This fraudulent account that have been reported on my credit file. These accounts were not opened by me, and I have never authorized any transactions associated with them. They are clearly cases of identity theft. 

Despite disputing these accounts directly with the company XXXX and collection agency they have refused to remove the fraudulent entries. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires that : 1. All information reported to consumer reporting agencies must be accurate and verifiable.

2. Consumer reporting agencies must investigate disputes within 30 days of receiving notice from a consumer regarding inaccurate information. 
XXXX. Any information that can not be verified as accurate must be removed from the credit report. 

I did not open this account or authorize XXXX  ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to issue any policy or debt in my name. I believe this account is fraudulent and the result of identity theft due to unauthorized access or misuse of my personal information. I am a victim of a known data breach and did not engage in any transaction that would create this debt. I request investigation and deletion of this account from my credit report under the Fair Credit Reporting Act. I am enclosing documentation supporting my identity theft claim

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: EQUIFAX, INC.
State: CA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: CA

Complaint narrative:
I had a netspend account ending In XXXX with a remaining balance of XXXXXXXX XXXX on the account. The account was closed and I was supposed to recieved my funds in a check with in 10 business days. After not receiving the funds with in 10 business days I contacted the company netspend and had to go through an extensive verification process for them to finally confirm it was me. They said again, now that I went through the verification process they can actually send my check ( this started in XXXX and it was now XXXX ) in XXXX business days from then. Well I still havent received anything and I missed XXXX and about to miss my XXXX olds birthday on the XXXX of XXXX. I have the last four of my account #, social security number and address and phone number all for the account plus what ever info they needed to confirm its my account ( which I already did ) but I still have not received anything from netspend corporation. Please help me resolve this ongoing situation and finally put an end to this, Id greatly appreciate it, thank you.

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: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Trying to identify this company and what owed to fix credit.

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: NJ

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief