vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Penfed Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Investigation and Removal of Inconsistent Late Payments Across Credit Reports Account Number : XXXX Dear Penfed Credit Union, I am writing to formally dispute and request the removal of inconsistent late payment entries being reported on my credit file in connection with the above-referenced account. 
After carefully reviewing my credit reports from XXXX XXXX XXXX XXXX, Ive noticed that the reported payment history is inconsistent across these bureaus. For example : [ Example : XXXX  reports a XXXX late in XX/XX/XXXX, while XXXX  and XXXX  show XXXX delinquencies. ] These discrepancies suggest the reporting may be inaccurate, which is affecting me beyond just financially. This account is currently reflecting as derogatory, and the negative impact on my credit score has become mentally and emotionally distressing. Ive been working hard to maintain responsible credit behavior, and seeing inaccurate late payments harming my efforts has been deeply discouraging. The stress and anxiety caused by this issue is affecting my peace of mind, and I sincerely hope you will consider this in your review. 
I respectfully request : 1. That these late payments be removed from my credit report ( s ), as the inconsistent reporting brings their accuracy into question.

2. That your institution conducts a full investigation and provide a uniform update to all three credit bureaus.

3. That I be notified once the correction is complete, or provided with supporting documentation if you believe the current reporting is accurate. 

My account is currently in good standing and up to date. Additionally, I have maintained a consistent and positive payment history over the past few years. 

Thank you for your attention and understanding. I truly appreciate your time in helping to resolve this matter so I can move forward with peace of mind and financial stability. 
Sincerely, XXXX XXXX Last 4 of XXXX : XXXX Date of Birth : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: MI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-30 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: GA

Complaint narrative:
My identity was stolen. My identity was also compromised due to negligence on Experian, Transunion and Equfax behalf. I received several data breech letter from each of them. I received payments from civil lawsuits from them. My entire report is ruined and its causing me emotional stress, I'm unable to obtain credits or do anything

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 2025-09-30 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: GA

Complaint narrative:
My identity was stolen. My identity was also compromised due to negligence on Experian, Transunion and Equfax behalf. I received several data breech letter from each of them. I received payments from civil lawsuits from them. My entire report is ruined and its causing me emotional stress, I'm unable to obtain credits or do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: MO

Complaint narrative:
I received an email offer from Cashapp stating that I would receive {$10.00} off a meal purchased the weekend of XX/XX/XXXX, XXXX. I needed to " add the offer ''. I purchased dinner at a restaurant for $ XXXX added the offer. Afterwards, I contacted Cashapp and asked for my {$10.00} back. The company stated that I had to add the offer prior to making the dinner purchase and because I did not do so I would not receive my {$10.00} back. I stated to Cashspp that the offer did not state that I had to add the offer PRIOR to making my dinner purchase in order for the offer to be valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SEACOAST BANKING CORPORATION OF FLORIDA
State: FL

Complaint narrative:
On around XX/XX/XXXX I was trying to get on my prime tv and it was locked up on XXXX side of my TV at the bottom was a square box that they wanted me to scan on my phone I'm not good with doing that and on the other side was a code to put in well the code would not go through than a phone number came up and said call for help so I did that was my mistake it was fraud the man on the phone said my prime account had been hacked and my prime tv was on hold so we could resolve the problem. He told me I needed to download this app called any desk so he could show me what was going on I told him I didn't trust that and he said I understand there's so much fraud going on it's hard to trust. Well I went ahead and did it and sure enough on my phone he showed me where someone took out a vanilla credit card for XXXX dollars I panicked come to find out there was XXXX of them working together and they had control of my phone they told me I would have to give them a different card to unblock my prime so I did and sure enough my TV started working the police and the computer guy said with my TV hooked up to Internet and that app they had me down load they took over. I told the bank all of this made a report made a police report and had to have a computer guy and they don't believe me and I had to pay XXXX for the computer guy the police XXXX was XXXXXXXX badge number XXXX case number XXXX XXXXXXXX I thought I did everything they wanted me to but they didn't care and I m XXXX yrs old and I thought I was protected by FDIC XXXX sure hope you can help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: IL

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 non-monetary relief
Consumer complaint received 2025-09-30 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 am formally disputing certain collection and charge-off accounts on my credit report as inaccurate, outdated, or unverifiable. Despite submitting disputes and supporting documentation, these accounts remain unverified and continue to harm my credit. Under the Fair Credit Reporting Act ( FCRA ), I demand a full reinvestigation of these accounts, and 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 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am a XXXX veteran and long-time USAA member XXXX In XXXX, USAA mishandled my federally protected VA benefits, causing devastating harm to my family. 

On XX/XX/year>, the VA issued a {$16000.00} retroactive XXXX payment to my USAA account. According to VA records, that payment was returned. I never had access to it. 

On XX/XX/year>, my recurring {$4000.00} VA benefit was deposited into my USAA account. Instead of making those funds available, USAA closed my account and unilaterally applied my benefits to cover negative balances created by their own reversal of prior dispute credits. I never authorized this, and it amounts to an illegal setoff against VA-protected funds. 

USAA has admitted in writing that their inconsistent banking processes harmed members, including myself. Yet their only remedy was sending me a {$320.00} check. That is wholly inadequate given the damage they caused. 

As a direct result of USAAs mishandling : I lost access to $ XXXX in VA funds, which should have covered housing and living expenses. 
I was forced to relocate my wife and XXXX daughter, paying {$6900.00} in upfront housing costs for a new place after USAAs actions destabilized us. 
My XXXX XXXX auto loan ( previously current ) was charged off. 
My XXXX XXXX XXXX account and other credit lines were closed. 
My credit reputation was severely damaged. 
My family endured eviction threats, repossession threats, and immense emotional harm. 

USAA knew these funds were federally protected, but instead of honoring their obligation, they seized them to cover their own errors. This is not only unethical, it may violate federal banking and veterans protections.

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 2025-09-30 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : $ These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am writing to formally submit a complaint regarding a debt collection notice I received from XXXX XXXX XXXX XXXX XXXX claiming I owe {$3300.00} to BARCLAYS BANK DELAWARE. 

* Background : * 1. * Disputed Timeshare Contract : * We have been in an ongoing dispute with a timeshare company, XXXX XXXX, regarding our investment. We requested a refund due to concerns about their business practices. 

2. * Credit Application Without Consent : * We discovered that the timeshare company applied for credit on our behalf without our but did not receive consent to us it and stating that they would not utilize it because we used cash. This has led to the current debt claim.

3. * Lack of Cooperation : * Despite our attempts to cancel the credit card, both the credit card issuer and the timeshare company have been uncooperative, repeatedly redirecting us to each other. This has caused significant delays and confusion, preventing us from resolving our issues within the timeframe needed to cancel the card.

4. * Harassment : * Since filing our dispute, XXXX XXXX has ceased all harassment efforts. However, the ongoing debt collection efforts from BARCLAYS BANK DELAWARE have added undue stress and now from XXXX XXXX XXXX XXXX XXXX. 

* Request for Assistance : * We seek your assistance in addressing this matter. Specifically, we request an investigation into the practices of both the timeshare company and the debt collectors. We believe their actions may violate consumer protection laws. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I have a checking account with Current Bank XXXX XXXX XXXX XXXX ). Last month, XX/XX/year>, I was given a instant cash advance of {$400.00}. The advance was paid in full with the direct deposit on XX/XX/year>. Then when I went to advance the {$400.00} to replace the funds, I was only able to advance {$200.00}. This was a deceptive business practice. The bank effectively stole {$200.00} without properly notifying or communicating with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: UT

Complaint narrative:
My employer with is the XXXX XXXX XXXXXXXX XXXX as I am a XXXXXXXX XXXX  had direct deposited my money on Thursday and it's Tuesday of the following week and chime has still refused to release my funds that they themselves have admitted to having the entire time. It has caused me to be late on numerous things as well as XXXX without food with h a wife and XXXX children for a week now and XXXX of the creditors harassing me for payment is chime of all businesses to do so. They say they release direct deposits as soon as they receive them but here I sit a week after with no money still. Please help me. I am beyond frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: AZ

Complaint narrative:
b"cash app was suppose to freeze my acct in XXXX  when i reported the card lost. they could not send me a replacement card at that time cause  i did not have a address  they did tell me that i had multiple accounts under my name. XXXX XXXX XXXX   but I  mentioned that i would call at a later date of course when i did have a address. when i called about a year ago, they want to tell me that i have no such account. i have not spend even a dollar out of any account affiliated with cash app cause I've never got a card .i did receive notice from the irs that the money was direct deposited into the account specified on the irs documents that i have filed myself  . i also uploaded my drivers license on cash apps website recently like a month ago. the cash tags that i remember are XXXX, XXXX  and  one other that i recently did. i also have only  had one email , XXXX  my newest email is XXXX . the phone number was XXXX XXXX XXXX . when undated i changed it to XXXX XXXX XXXX  my social is XXXX XXXX XXXX. the address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX updated was XXXX XXXX XXXX XXXX XXXX XXXX but currently  i will be headed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. i understand its a pain in the butt, im sure you can understand why i am the one living the nightmare. i have trouble remembering of this stuff."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have already filed prou complaints with the CFPB ( Reference Nos. XXXX, and XXXX ) against Select Portfolio Servicing Inc. ( SPS ). Despite those complaints and the proof I have repeatedly provided, ( SPS ) continues abusive and unfair servicing practices. 
First, SPS blamed the XXXX XXXX XXXX for delays in delivering monthly statements, which caused late postings and late fees to be charged to my account. Yet immediately after i filed my CFPB complain, my statements suddenly began arriving on time and payments were posted promptly. This prves the issue is with SPS, not the Postal Service. 
Second, SPS continues to demand proof of insurance even though I already sent this information multiple times by certified mail, and their own representative admitted over the phone that the account had been handled in error. I was told that I was owed over {$1000.00} in refunds, but SPS only issued a small partial check for {$120.00} and is now withholding the balance while continuing to send threatenig letters The letters I have received are intimidating, confusing, and feel like threats- especially as I am being told that unless I provide proof again, SPS will not release the funds they already admitted are owed. This is abusive and unfair, and it places an undue burden on me as a consumer. 
SPS 's behavior amounts to bad faith servicing, possible elder financial abuse, and violations of federal mortgage servicing rules. I have made every effort to resolve this matter directly with SPS by phone, mail, and certified documentation, yet they continue to harass and threaten me instead of resolving the errors they already admitted.

Company response to consumer: Closed with explanation