vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-14 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: GA

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-12-14 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: TX

Complaint narrative:
What Happened CashApp Failure to Display Active XXXX+ Transaction Despite being an active XXXX+ subscriber, my CashApp account continues to show no record of the transaction associated with that purchase. I subscribed through the XXXX application and successfully activated my XXXX plan, which is currently showing as active on my device. However, the CashApp interface has failed to reflect any charge, authorization, or transaction log related to that subscription. There is no visible proof of the billing process, no receipt, and no transaction detailseven though the service is active. This raises serious concerns about transparency, transaction visibility, and real-time sync with XXXX and third-party vendors. 
Whats a Fair Resolution CashApp must provide an official explanation as to why the XXXX transaction is not reflected in my transaction history. They must confirm whether this failure is due to a sync delay, filtering logic, or third-party handoff issue. I request a formal transaction audit, visibility update, and an in-app notification showing proof of all vendor-authorized charges. Users should not be left without financial documentation for active subscriptions. A real-time transaction sync and transparency fix must be implemented. If CashApp is suppressing or misclassifying charges, regulatory action should follow

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have multiple account open with Bank of America. One account unfortunately was over drawn and another account is where I have funds from my job to pay my bills. Bank Of America has taken my funds from my non overdrafted account to supposedly offset the account balance. I never authorized this transfer. I did not get any written confirmation, email, or anything about this action on my account. They made this transaction without my consent nor permission. I spoke with a Supervisor by the name XXXX with a employee ID XXXX and he was absolutely rude, and not helpful at all. His tone of help with completely rude.

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 2025-12-14 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: MD

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This affidavit is submitted as evidence of identity theft, data breach-related fraud, and unauthorized inquiries appearing on my TransUnion credit report. 

My personal data was compromised during the XXXX  XXXX XXXX. Unauthorized parties used my information to initiate fraudulent inquiries and attempted accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XX/XX/XXXX Via First Class Mail Return Receipt Bread Financial a/k/a Comenity Capital Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX XXXX : XXXX Fraudulent Credit Card ChargXXXX XXXX XXXX XXXX XXXX XXXX Madam or Sir : This letter is written to dispute an ongoing fraudulent charge to my credit card. I will not pay for something I did not order, I do not understand and have no desire to learn. 

A transcript from a XXXX XXXX agent responding to me after researching my XXXX account on my laptop, he couldnt find any charge on my account. Hence, he recommended I reach out to my bank. Now, we have the back and forth between me, my bank and XXXX. Which was not an easy feat due to AI and finding a telephone number to speak with a human being. 
Dated XX/XX/XXXX - ( See Attached XXXX XXXX XXXX ) My attempts in trying to resolve this with your company to no avail has been extremely challenging and overwhelming at age XXXX adding increased anxiety during my recovery period from a broken femur and total XXXX XXXX of a replaced knee from XXXX. 

During XXXX of my conversations with your customer service team, I was told I had to resolve the matter of getting the refund from XXXX myself. A much different service since the sale of NY XXXX. 

To date, I have not received any correspondence answering my request for the proof acquired by your protective services team investigation from XXXX making me responsible for the transaction fee of XXXX, has not been received as of this writing. 
( See Attached ) As of XX/XX/XXXX speaking with your customer service agent, she mentioned there was no record of any correspondence received from me regarding my second dispute and said I did not respond to their request. My letter dated XX/XX/XXXX corresponds with XXXX receipt. 
( See Attached ) Please investigate this matter and refund the disputed amount. Should you need to contact me, my contact information is above. 

Sincerely, Attached : Letter date XX/XX/XXXX Comenity Capital Bank, Account Protection Team XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX agent and myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by XXXX XXXX XXXX XXXX TransUnion. 

I have a XXXX credit card account that was paid down to approximately {$20.00} prior to the statement cycle. Despite this payment, XXXX has reported a balance of approximately {$1100.00} to TransUnion. 
This reported balance does not reflect the actual balance owed following my payment activity and has caused TransUnion to reflect increased utilization on my credit report.

This inaccurate reporting has negatively impacted my credit score. I am not disputing the validity of the account or my responsibility for charges. I am disputing the accuracy of the balance furnished to TransUnion, as it does not reflect the balance owed after payment. 

I am requesting that Transunion and XXXXXXXX XXXX XXXX review this reporting and correct the balance being furnished to TransUnion so that it accurately reflects the correct balance, and to confirm once the correction has been completed.

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 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Institution : PNC Bank, N.A.

Product Type : Business Checking and Savings Accounts What happened? 

In XXXX, I opened one business checking account and two business savings accounts with PNC Bank after receiving a {$20000.00} small business grant. I transferred {$18000.00} from an existing business bank account into PNC. These funds were intended for marketing, research and development, taxes, and retained profits. 

On XX/XX/XXXX, PNC placed the business accounts on hold. I immediately lost access to online banking and could not access or use the funds. 

I took the following actions to resolve the issue : XX/XX/XXXX : Visited a PNC branch in person XX/XX/XXXX : Called PNC customer service XX/XX/XXXX : Called PNC customer service XX/XX/XXXX : Called PNC customer service XX/XX/XXXX : Called PNC customer service XX/XX/XXXX : Called PNC customer service XX/XX/XXXX : Called PNC customer service XX/XX/XXXX : Visited a PNC branch in person XX/XX/XXXX : Called PNC customer service During these contacts, PNC did not provide a clear explanation for the account restrictions. I was repeatedly told that a letter explaining the issue would be mailed to me. No such letter was ever received. The only correspondence I received consisted of routine bank statements and a PIN notice. 

I later received an email from a PNC case manager requesting a telephone discussion. During that call, I was not given any explanation for why the account was restricted or closed, nor was I told when compensation would be provided. I was only told that an internal account review could take up to 60 days and that I should expect a letter.

Around the 60-day mark, I contacted PNC again and was instructed to call back at a later time. 

On XX/XX/XXXX, I received an email from an Executive Client Relations Specialist at PNC requesting a call. During that conversation, I was told that PNC was ending the business relationship and closing the account. No reason was provided for the closure, no timetable was given for the return of the {$18000.00}, and no compensation was offered for the extended period during which the funds were inaccessible. 

As a result, {$18000.00} in business grant funds remained unavailable for nearly two months, including during XXXX XXXXXXXX XXXX  causing operational and financial harm to the business. 

What I am seeking : Immediate release and return of the {$18000.00} A written explanation for the account restriction and closure Review of whether PNC complied with applicable notice and fund availability requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
This creditor has engaged in abusive, deceptive, and unfair practices prohibited under the Fair Debt Collection Practices Act ( FDCPA ). Per 15 U.S. Code 1666b, I did not receive a billing statement at least 21 days before the reported late payment, which qualifies as a billing error. Also, under 15 U.S. Code 1605 ( a ), if a finance charge is assessed, it represents the full cost of creditincluding all feesmeaning a late payment can not lawfully be assessed on an already-paid balance. Penalizing me in this way violates federal law.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-14 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:
I am reporting identity theft involving a XXXX XXXX credit card account that I did not open, authorize, or agree to. Despite being notified that this account resulted from identity theft, XXXX XXXX is continuing to report the account as accurate after claiming it was verified, without providing competent proof that I am legally responsible. 

On XX/XX/year>, XXXX XXXX sent a letter stating the account was verified as accurate. Their explanation relied on claims that a welcome kit was mailed to an address they believe is associated with me through public records and that a small airline-related transaction listed my name as a passenger. Neither of these assertions proves account origination, authorization, or contractual liability, and they do not meet the standard of a reasonable investigation under federal law. 

XXXX XXXX has not provided any documentation showing that I opened the account or agreed to its terms, including a copy of the original signed agreement or contract ( if applicable ), authentication records, electronic signature data, IP or device logs, recorded authorization, or proof that I received, activated, or used the account. 

Despite the absence of such evidence, XXXX XXXX continues to report this account to consumer reporting agencies and has indicated the account was charged off and referred to a third-party collection agency. This has caused ongoing harm through inaccurate credit reporting and the risk of unlawful collection activity. 

XXXX XXXX  conduct violates its obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation after notice of identity theft and to block reporting of identity-theft-related information ( 15 U.S.C. 1681s-2 ( b ) and 1681c-2 ). To the extent collection activity is occurring, I am also exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), including my right to request validation and to limit further contact ( 15 U.S.C. 1692c ( c ) ).

* Any attempt to collect a debt arising from identity theft constitutes a false representation of the character, amount, or legal status of a debt.

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 2025-12-14 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: Crosspoint Financial Inc.
State: TX

Complaint narrative:
What Happened XXXX XXXX XXXX ( Complaint ID : XXXX ) I filed a CFPB complaint on XX/XX/year>, against CrossPoint XXXX XXXX XXXX failure to investigate and resolve an ongoing issue. As of XX/XX/year>, it has been 69 days with no response whatsoever. This silence reflects a blatant disregard for federally mandated response timelines. XXXX has provided no explanation, no updates, and no commitment to resolving the issuedespite being well beyond the XXXX response window required by law. 
Whats a XXXX XXXX XXXX must submit an immediate explanation for the delay in addressing Complaint ID XXXX, along with a formal update to the CFPB. They must confirm the status of their investigation and provide a resolution timeline. In addition, this pattern of inaction should be reviewed for compliance violations, and corrective enforcement should be considered. A written acknowledgment of their failure to comply with the response deadline is owed to the complainant.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-14 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: NV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year>

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 2025-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
In XXXX, I submitted my income tax return to the Department of the Treasury for the XXXX tax year. Due to an accounting error, an incorrect account number was entered on the form where the refund was supposed to be sent. The Department XXXX XXXX Treasury sent the money to that account. Since XX/XX/XXXX, I have been requesting that Banco Popular de Puerto Rico return the money using the information provided by the Department of the Treasury, but they have not done so. They simply state that they did not commit the error. However, the money that belongs to me remains in the bank 's possession. 

There were XXXX transfers from the Department of the Treasury to Banco Popular de Puerto Rico : XXXX. {$1600.00} on XX/XX/XXXX XXXX. {$910.00} on XX/XX/XXXX XXXX. {$1300.00} on XX/XX/XXXX Please help me resolve this situation, as the Department of the Treasury says the bank is responsible for resolving it, and the bank, conversely, says the Department of the Treasury is responsible. Neither of them is resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: NV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
I am enrolled in the SAVE income-driven repayment plan. Despite ongoing administrative changes and conflicting guidance, interest resumed accruing on my loans without clear notice or consistent explanation. I attempted to make payments to prevent interest capitalization, but servicer communications have been unclear and contradictory. This has caused financial harm and significant uncertainty. I am submitting this complaint to document the issue and request accurate, consistent account handling.

Company response to consumer: Untimely response