vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this complaint because XXXXEquifax has failed to provide a proper reinvestigation of an unspecified credit account that is inaccurately reported on my credit report. I previously disputed the information in accordance with the Fair Credit Reporting Act ( FCRA ) and requested verification of the account. 

Despite my formal dispute, the credit bureau did not supply adequate documentation proving the accuracy and ownership of the alleged account, nor did it clearly identify the creditor or furnish supporting evidence. The report continues to show information that is either incomplete, unverifiable, or inaccurate. 

This failure to properly reinvestigate and provide a detailed response violates FCRA Section 611 ( 15 U.S.C. 1681i ), which requires credit reporting agencies to conduct a reasonable reinvestigation and to delete or correct inaccurate or unverifiable information. 

I am requesting immediate corrective action.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I recently turned XXXX. I have been trying to pull my credit report for the first time, but each credit bureau keeps saying that my information does not match their records. Since I have never had credit before, this would be my very first report. 

I have already sent in my Social Security card, drivers license, and other identity documents multiple times, but I still have not been given access to my credit report. None of the bureaus have responded with a resolution, and I am still unable to obtain a copy of my report as required by law.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I recently turned XXXX. I have been trying to pull my credit report for the first time, but each credit bureau keeps saying that my information does not match their records. Since I have never had credit before, this would be my very first report. 

I have already sent in my Social Security card, drivers license, and other identity documents multiple times, but I still have not been given access to my credit report. None of the bureaus have responded with a resolution, and I am still unable to obtain a copy of my report as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: FL

Complaint narrative:
I borrowed approximately {$97000.00} through a Sallie Mae Smart Option Student Loan ( # XXXX, for XXXX XXXX XXXX in XXXX XXXX, FL ) to complete the Accelerated Professional Pilot Program ( Private, Instrument, Commercial ). I withdrew on XX/XX/year> after realizing the Private Pilot License ( XXXX ) phase alone had consumed nearly {$41000.00} in earned tuition, which is almost double the schools own projections and far higher than industry averages for XXXX Part XXXX XXXX training. 

XXXX refund calculator shows {$41000.00} in earned tuition plus {$4600.00} in non-tuition costs, while {$50000.00} was refunded back to Sallie Mae after my withdrawal. My XXXX ledger shows charges equating to around XXXX hours in a XXXX XXXX, inflated by repeated lessons and scheduling delays. This appears to represent inefficient training practices that burned through loan funds far faster than anticipated. 

I contacted Sallie Mae by phone and asked them to review these charges since nearly half of my total loan was used up before completing even the first phase of training. I specifically requested that Sallie Mae review whether the school overbilled and provide a written explanation of how the disbursed funds were applied. Sallie Mae declined to review the matter and told me I must take it up with the school. 

I am filing this complaint because Sallie Mae is the servicer of my loan and I believe they have a responsibility to provide oversight when charges are unreasonable or inconsistent with the programs stated costs. I respectfully request that Sallie Mae conduct a formal review, provide a clear accounting of how funds were classified as earned tuition, and adjust my loan balance if overbilling is confirmed. I also request that any negative credit reporting or collection activity be suspended while this dispute is under review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
My Cash App account was closed in XXXX for an alleged Terms of Service violation. At the time, I was never told which specific activity or clause I supposedly violated. In XX/XX/XXXX, I attempted to appeal through the official Cash App app and was assigned case number XXXX. On XX/XX/XXXX, I received a denial email from Cash App Support ( Lynx ) stating only that my account had activity that violates the Terms of Service. No section or rule was identified, leaving me with no ability to understand or correct the issue. 

Since my closure in XXXX, Cash Apps Terms of Service have been revised multiple times ( effective XX/XX/XXXX, and XX/XX/XXXX ). I was never told which version applied to me. Holding me to unknown or shifting standards is fundamentally unfair and contradicts transparency obligations for regulated financial services providers. 

Cash App is a service of Block , Inc., a licensed money transmitter. It is not a bank, and therefore can not hide behind opaque risk management policies. As a regulated financial services provider, Block has an obligation to provide clear disclosures and fair treatment under consumer protection laws. Their refusal to specify the reason for my permanent ban violates those principles. 

I am requesting that Cash App either : XXXX. Provide a specific explanation tied to the Terms of Service version in effect at the time of closure ( XXXX ), including the exact clause allegedly violated, XXXX XXXX. Reinstate my account if no substantiated violation can be documented. 

At minimum, I ask for full transparency and accountability. Without it, I have no recourse, no ability to correct any issue, and am unfairly deprived of access to a widely used financial service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo charged me {$380.00} over the past 30 days in overdraft fees. The reason for so many overdraft fees was because of the money taken from my account for the initial set of overdraft fees. When I called Wells Fargo and explained the situation and asked that they refund me these fees due to the financial hardship it has put me in this month they stated they could not refund me these fees because I was within a 12 month period of receiving a refund for an overdraft fee on XX/XX/XXXX. Today is XX/XX/XXXX. Less than 30 days away from their 12 month period mark. Yet they still would not provide me a refund. Additionally, I was told that I can try calling back on XX/XX/XXXX to receive a refund on the fees charged but likely they would only refund me up to {$70.00} maximum out of the {$380.00} that I was charged. The agent on the phone mentioned to me that there is a new account called clear access that does not charge any overdraft fees to your account no matter what, and offered to change my checking account to that. He apologized and stated the clear access account has been around for 2 year and stated he was sorry that nobody ever mentioned it to me previously when I have called in regarding overdraft fees. I changed my account to the new clear access account, but I am still wanting the {$380.00} worth of fees I was charged due to Wells Fargo putting a financial strain on me and previous bankers never mentioning to me previously the clear access account that would have avoided these fees being charged to me.

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 2025-09-23 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: NC

Complaint narrative:
Account XXXX XXXX XXXX with a balance of {$1900.00} is appearing in my TransUnion report. This account is not mine. I requested for company to send me information about this account and none were giving.

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 2025-09-23 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: OH

Complaint narrative:
This complaint is not submitted in error. Multiple items on my credit report are inaccurate, can not be verified as mine, and are causing measurable harm to my creditworthiness and personal well-being. These errors have created ongoing stress and financial hardship, and it is unacceptable that they remain on my file.

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 2025-09-23 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of the information being reported on my credit file concerning the above-referenced account. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) and 611 ( a ), I am exercising my right to request verification of this account. 
The account in question is being reported as : Status : Charge-Off Balance : {$0.00} Comment : Transferred/Sold to Webcollex Debt Buyer This reporting is inaccurate and misleading for the following reasons : The account shows a charge-off with a {$0.00} balance, yet continues to appear as derogatory despite being transferred or sold. If the account has been sold, the original creditor no longer has the legal right to report a balance or derogatory status. 


Under the FCRA, information reported must be accurate, complete, and not misleading. Continuing to report a charge-off with a {$0.00} balance misrepresents my obligation and unfairly damages my credit profile. 


As per the FDCPA, any transferred or sold account must clearly identify the current owner of the debt. The reporting here is inconsistent and fails to provide complete or verifiable information. 


I am requesting that your bureau conduct a full reinvestigation of this account and require the furnisher to provide documentation that substantiates : XXXX that the charge-off status is accurate despite a {$0.00} balance. 


Proof that the original creditor retains reporting rights after transfer/sale. 


Complete chain of title for this alleged debt. 


If the furnisher can not provide this documentation within the XXXX period required by FCRA XXXX XXXX a ), this account must be deleted from my credit report immediately. 
Please send me written confirmation of your reinvestigation and the results. If the account can not be verified with full supporting documentation, I respectfully request that it be removed in accordance with federal law. 
Sincerely, XXXX XXXX XX/XX/year> 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 2025-09-23 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of the information being reported on my credit file concerning the above-referenced account. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) and 611 ( a ), I am exercising my right to request verification of this account. 
The account in question is being reported as : Status : Charge-Off Balance : {$0.00} Comment : Transferred/Sold to Webcollex Debt Buyer This reporting is inaccurate and misleading for the following reasons : The account shows a charge-off with a {$0.00} balance, yet continues to appear as derogatory despite being transferred or sold. If the account has been sold, the original creditor no longer has the legal right to report a balance or derogatory status. 


Under the FCRA, information reported must be accurate, complete, and not misleading. Continuing to report a charge-off with a {$0.00} balance misrepresents my obligation and unfairly damages my credit profile. 


As per the FDCPA, any transferred or sold account must clearly identify the current owner of the debt. The reporting here is inconsistent and fails to provide complete or verifiable information. 


I am requesting that your bureau conduct a full reinvestigation of this account and require the furnisher to provide documentation that substantiates : XXXX that the charge-off status is accurate despite a {$0.00} balance. 


Proof that the original creditor retains reporting rights after transfer/sale. 


Complete chain of title for this alleged debt. 


If the furnisher can not provide this documentation within the XXXX period required by FCRA 611 ( a ), this account must be deleted from my credit report immediately. 
Please send me written confirmation of your reinvestigation and the results. If the account can not be verified with full supporting documentation, I respectfully request that it be removed in accordance with federal law. 
Sincerely, XXXX XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
I am writing to dispute a collection account that appears on my credit report. The account listed below is either inaccurate, unverifiable, or does not belong to me, and I am requesting that it be investigated and removed from my credit file under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the validity of this account be verified. If the account can not be verified as accurate and complete within 30 days, I request that it be deleted from my credit report in accordance with the FCRA. 

If this account is a result of identity theft or fraudulent activity, I am including relevant documentation such as a police report and/or FTC Identity Theft 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 2025-09-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: DE

Complaint narrative:
My Robinhood online bank account is restricted for no reason. They are holding my money and refused to release it. on XXXX I tried to access my available funds and was being restricted due to unusual activity the error message stated. That never happened. I was asked to provide my personal information multiple times and to take multiple selfie pictures of myself which I provide within hours of them asking for additional proof of who I am. I also contacted them multiple times asking to provide me with evidence there was someone else trying to access my accounts. Which they couldn't. They then lifted the restriction 1 day later on XX/XX/year> so I thought it was a computer glitch and they fixed the issue. I then went to transfer my funds and received another restricted messageon XX/XX/year> and that it would be resolvedby XX/XX/year>. I called and messaged them every day through the app since. today they changed the date until XX/XX/year> which is ridiculous. I have now just received another message on the to day XX/XX/year> that they will now be closing my account and will let me know if they will be returning my funds.... There are more than XXXX complaints online about the same issue with XXXX restricting banking clients accounts funds in the same exact way with no reason and saying it's due to unusual activity and providing no evidence of such activities. It appears this is a clever scam holding customers funds for themselves. The restrictions are a scam to hold our money as long as they can until there reported to the federal authorities for scamming thousands of people using the banking platform.. Please help resolve this issue. This has been a great inconvenience in these hard financial times .. Not having access to my funds is very problematic for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation
State: GA

Complaint narrative:
XXXX was paid XX/XX/year>. The company stated they will remove this tradeline from my credit report and the tradeline is paid and full and still not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, Chase Bank deposited XXXX. Dollars into my account. 
And immediately closed my account. now on XX/XX/year> I spoke to customer service. A customer service said that I had XXXX business days before they would close my account. Chase bank closed my account XXXX calendar days.After that conversation, they did not give me the full XXXX business days, as it means to keep me from being able to access my own money. The company did this as a means to keep me from getting to my own money. The money that they owed me. They deposited it onto my account and then immediately closed my account upon speaking to somebody in the claims division, I asked to speak to somebody in the executive offices, and I was told that they would talk to somebody from cfpb, but not to me.

Company response to consumer: Closed with explanation