vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was changing my password, and and I was sent a verifying code. The code was sent to an old telephone number no longer active. A customer service rep asked me two questions to verify my identity. Neither question related to me or anything in my background? I was told that I would be contacted in XXXX hours by a credit card company. This happened to me many years ago and the process was extremely time-consuming and exhausting. I do not want to go through this process again. I have a number of payees that are automatically set up with this credit card company And I would have to change them to a new form of payment. Also, I dont want this process to adversely affect my outstanding credit score. Please help me to resolve this systemic problem with this financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: MO

Complaint narrative:
Between XX/XX/year>, and XX/XX/year>, XXXX XXXX XXXX XXXX XXXX ( XXXX ) has repeatedly reported a completely false balance on my auto loan account to the credit bureaus. 

My actual balance is {$1900.00}, as shown on my XXXX account statements and app. However, XXXX reported to XXXX that my loan balance was {$190000.00}. This error caused my XXXX credit score to drop drastically. 

I disputed this with XXXX, but after the dispute process, XXXX again furnished the same incorrect balance. Most recently, in XX/XX/year>, XXXX also reported this same false balance to Equifax, which dropped my Equifax score by XXXX points. 

This is a massive reporting error, off by over {$190000.00}, and it has now spread across two major credit bureaus despite my previous dispute. The repeated false reporting is severely damaging my creditworthiness and preventing me from obtaining necessary credit. 

I am requesting that XXXX immediately correct the account balance to reflect the true amount ( {$1900.00} ) with all three major credit bureaus, remove the false {$190000.00} record, and ensure that my payment history is accurately reflected. 

Please investigate and require XXXX to correct their reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I have been a long-time Cash App user since I was XXXX XXXX XXXX and have never had prior issues until recently. I have used Cash App both as a transfer service from my primary bank ( XXXX XXXX  ) and by adding money directly into my Cash App balance. I also frequently used the Cash App debit card for purchases. 

In the past several months, I experienced multiple fraudulent transactions and service failures : XX/XX/year> I was scammed for a tire service that I paid for through Cash App. 
XX/XX/XXXX I purchased tickets for a show that was later canceled, and I was promised a refund via their refund policy. 

And a few other incidents that evidently, evidence was provided. 

Both transactions were funded from my XXXX XXXX  account, but routed through Cash App. When I initially disputed these charges through XXXX, my bank credited me, but later reversed those credits because Cash App informed them that I had to dispute directly through Cash App. This left me in a situation where I had no refund and no clear way to resolve the fraudulent charges. 

Despite following instructions and attempting to resolve these disputes appropriately, Cash App has now permanently XXXX my ability to use the Cash App debit card, citing a violation, without providing clear reasoning or evidence. This action has caused significant financial disruption and has effectively locked me out of a key service I have used reliably for years. 

XXXX. That my Cash App debit card access be reinstated immediately. 
XXXX. That Cash App provide a clear and transparent explanation of the alleged violation that led to my account restriction. 
XXXX. That Cash App review and honor disputes related to fraudulent or canceled transactions, as they directed me to handle disputes through their service. 

I believe Cash Apps actions constitute unfair and unclear business practices and have directly harmed me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: FL

Complaint narrative:
Money have been coming out my account for 2 years now. I dont know why im being charged off my card. I want 2 years worth of my money funded back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
I placed a XXXX order on XX/XX/year> with XXXX the hold was {$150.00} majority of the order was cancelled on XX/XX/year>. So on XX/XX/year> the transaction settled for {$20.00} Chime never released the remaining {$130.00} we are just acting like it never existed. If you reconcile all of my transactions based on the finalized transaction that has posted there is still an account balance of {$0.00} when it should be {$130.00} in my account. Chime has no way to reach real people I sent my payroll here and I counted on my money being returned this is absolutely unacceptable!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: CA

Complaint narrative:
I reached out to Cash App support because I was expecting a refund from a merchant ( XXXX ) for a transaction that was originally processed through Cash App. The merchant confirmed they issued the refund and provided documentation showing that the money was sent back to Cash App. 
However, I never received the refund in my Cash App balance or payment history. I contacted Cash App support multiple times to resolve the issue, but the agents I spoke with, specifically XXXX and XXXX, were unhelpful and dismissive. They did not make any real effort to investigate or escalate the issue. Instead, they told me there was nothing they could do for me and ended the conversation without resolution. 
I am extremely frustrated by the lack of support and transparency. I am requesting that this issue be escalated and properly investigated. I would like confirmation of whether Cash App received the refund from the merchant and when I can expect the funds to be available in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: CT

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-08-24 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX Date XXXX Account Name : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
Complaint Regarding Fraudulent Student Loan EdFinancial Services Dear CFPB, I am filing a complaint against EdFinancial Services regarding a fraudulent student loan that has been placed under my name without my knowledge or authorization. 

On XX/XX/year>, I received a letter from EdFinancial stating that I had a student loan in the amount of {$9500.00}. I initially believed it was a scam but later confirmed the loan was real. I immediately contacted EdFinancial by phone and also submitted a dispute online. 

I informed the representative that I never applied for this loan and explained that my credit is locked with all three major credit bureaus, which should have prevented any loan approval. I asked how a loan of this size could be issued without a proper credit check. Despite this, I received very little assistance and was simply sent a form to fill out. 

This situation raises serious concerns about identity theft, loan approval practices, and lack of consumer protections. I am seeking XXXX assistance to : Ensure that EdFinancial immediately halts all collection activity and negative credit reporting related to this loan. 

Require EdFinancial to provide full documentation of how this loan was applied for and approved. 

Ensure this fraudulent loan is removed from my records once the investigation confirms it was opened without my consent. 

I will provide upon request : The Fraud/Identity Theft Affidavit provided by EdFinancial An FTC Identity Theft Report ( and/or police report, if applicable ) Proof that my credit is locked A copy of my government-issued ID This fraudulent loan has caused me significant stress and puts my financial reputation at risk. I request that the CFPB investigate this matter and hold EdFinancial accountable for their failure to properly safeguard against fraudulent loan approvals. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I applied for a XXXXXXXX XXXX XXXXXXXX card since. I had idendity theft and fraud. When I applied it stated that I have a loan with Netcredit XXXX XXXX XXXX. XXXX XXXX XXXX, Illinois XXXX. I have never had a loan with anyone. I pay everything cash. I tried to XXXX and it XXXX and scans states to contact them which I did have not return call or email. I emailed the @ XXXX. I ah e not been able to get my entire credit report. My annual credit report in years please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing this letter to exercise my rights as a consumer under the relevant laws, including the Fair Debt Collection Practices Act ( 15 USC 1692g ) and the XXXX XXXX laws, to dispute the alleged debt that you claim I owe. I kindly request that you provide me with verification of this purported debt. In accordance with the laws, I expect you to furnish proof that this debt is indeed mine. To satisfy the verification requirements, I demand a formal declaration, duly notarized, from an individual with first-hand knowledge of the matter, attesting to the accuracy of the statements and facts associated with this debt. 
Since this debt is under dispute, I must remind you of your obligation to cease all collection activities, including any reporting to XXXX, XXXX, and XXXX  regarding this matter. 
I hereby explicitly withdraw my consent for any form of communication from your agency. Additionally, I never authorized the release of my personal and private information to your organization, which raises concerns about aggravated identity theft. Moreover, I never consented to the reporting of any information in my name to consumer reporting agencies. 
Your non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act, by sharing my nonpublic personal information with nonaffiliated XXXX parties without providing me with a compliant notice and opt-out opportunity pursuant to 15 USC 6802, further compounds the issues surrounding this matter.

I am requesting the " Aggravated Value of Purchase '' document, which must disclose the amount you paid for this debt. It is crucial to note that any attempt to collect an amount exceeding what you paid for this debt would be considered a material misrepresentation, fraud on the court, and a deceptive act. Please be aware of the gravity of these violations, as they constitute a severe infringement of my rights as a consumer. If you do not immediately cease all collection activities and promptly remove this account from my consumer report, I will have no choice but to initiate legal action against your company in the United States District Court. 
Please be advised that you have XXXX days to respond to this dispute. Failure to do so will compel me to escalate this matter and take appropriate legal action. Furthermore, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) should you fail to comply with my request. 
I expect your prompt attention to this matter, and I request that all future correspondence be in writing to ensure accurate documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Apple Financing LLC
State: CA

Complaint narrative:
On XX/XX/year> my apple cash wallet said that my account is restricted and can not transaction funds that I already had on my apple cash wallet. I called XXXX to let them know the is : they then sent me over to green dot bank to escalate my issue further and that is when they told me to give them XXXX hours to look over my. After XXXX week of not hearing back from green dot, I took the initiative to give the a call and then they explained to me that was forever banned from apple cash with no explanation or reason. I have been a loya customer with XXXX cash for the last XXXX years and used it many times with friends and family as it makes it convenient for us to transfer and send money to each other. I demand my situation to be further looked into further and given an explanation for my account being restricted and to be legally further looked into. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CCF Intermediate Holdings LLC
State: SC

Complaint narrative:
I got a title loan from Title Max in XXXX Sc and I had the loan less then XXXX and couldn't make the payments due to the interest percentage going up on my loan XXXX to me bringing the payment amount higher than I could manage they repossessed the car and want XXXX. XXXX payment before releaseing car to me on a XXXX dollar loan of XXXX When I called about my car I was connected to a XXXX party repo yard who told me the payment jumped up to XXXX. Per month I owed XXXX payments and they reposted it but the lady said I'd have to pay XXXX. Plus impound fees to get my car back! I find to be ridiculous unfair and unreasonable I wasn't aware of any hidden clause stating the interest could go up without notice and the contract also stated that they would send a writ to cure XXXX days ahead of time before repossession to give us a chance to pay payment or make an arrangement before repossession they failed to do that and as Matter fact They have not yet to this day almost XXXX  days later sent me anything regards to my car being repossessed or how to get my belongings that were in car back as it states in contract they the loan company will return any left belongings to the owner within 30 days after repossession. And instructions how to get my car back. That was not done for me. I have no clue where my vehicle is or if it's still there a long with my belongings left in vehicle. I called talked to loan lady about the car she was short on answering my questions really sounded like she didn't want to be bothered came across argumentive and cut my conversation short. A little XXXX then she should have been so I haven't called back and am without my vehicle due to their outrageous hidden interest rate that fluctuates I wasn't made aware of. Bad business not fair contract and rude not helpful employees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year> my credit score went down from my XXXX  XXXX. I had paid it out from XXXX to XXXX keeping it to 30 % and under instead of adding into my XXXX XXXX XXXX. They took XXXX points off and made it XXXX and now is reporting on my credit card that is not mine and how long I had it for 10 years I would like to put it back on my credit or my XXXX  XXXX  information I listen to yall company XXXX XXXX to pay it off for keeping it on the 30 % and once I paid it off because they were taking too long to put it on there I reported to let them know why hasnt they changed his paid off and they end up taking the whole card off instead of reporting is on the 30 %. They took my 9 years 8 months of my report I would like to have my credit score back to XXXX the paid off XXXX XXXX  credit and on to my report please thank you appreciate it XXXX XXXX XXXX someone give me a call. My credit score should be at least XXXX by now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I paid {$290.00} to XXXX XXXX for insurance on my XXXX XXXX XXXX XXXX. I canceled the policy within XXXX hours and received written confirmation. I submitted this cancellation confirmation and supporting documentation to Capital One in my dispute. On XX/XX/XXXX, Capital One issued a provisional credit of {$290.00}. On XX/XX/XXXX, Capital One reversed the credit after relying on documents from XXXX that pertained to a different policy for a XXXX XXXX XXXXcompletely unrelated to the disputed XXXX transaction. 

Despite my providing the correct proof, Capital One ignored it and accepted irrelevant paperwork from XXXX. This demonstrates that Capital One and/or XXXX are stalling to refund me money that is rightfully mine. The delay, reversal, and refusal to honor clear documentation is unacceptable and amounts to the wrongful deprivation of fundsessentially theft. 

Capital One failed to conduct a reasonable investigation as required by Regulation E ( 12 CFR 1005.11 ). They exceeded the 10-business-day timeframe, reversed the provisional credit after 29 days, and failed to provide me with proper written determination or documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief