vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: TX

Complaint narrative:
I have been a Kraken member for 4 years and have transferred many thousands of dollars a year. I had a perfect record and nothing adverse had ever happened. Recently i made a {$700.00} deposit into kraken bought some BTC and had it transferred out. About 5-10 days later I went to XXXX to XXXX my checking account from the current level to a higher level with. more features. When i didn't this i had to cancel the other XXXX account and open a new one. This had happened unbeknownst to me causing my {$700.00} deposit to be categorized as a chargeback. They never told me I found out when i logged in later and saw a deficit. i asked them, what happened and they basically said pay us or were sending you to collections. Not very nice but not illegal. They refused to allow me to ACH, XXXX, or Debit Card the money. They only offered wire transfers. Anyway so i make the transfer and i add {$2000.00} extra for trading. {$2700.00} in total. {$700.00} for the " chargeback ''. Anyway when i went to transfer my money out it " said deposit only ''. My money is FROZEN. They wont allow me to transfer it back to my bank or use it in anyway. They wont answer ANY customer service emails. They wont say anything. I filed a XXXX complaint as well and nothing. They have taken my money and kept for their own investing purpose by not allowing me to withdraw. Its very convenient for them to do this while they use customer funds to pay off debt and make investments, then they don't answer emails and hold onto it as long as humanely possible. This is criminal behavior. I just want my money back so i can invest elsewhere. Theres one computer mix up with the account and they teat you like a criminal and then keep your money. Its ABSOLUTELY UNACCEPTABLE. Resolution Immediate return of my funds, criminal penalty/fine, and change of policy so this doesn't happen to other users. Im moving my trading elsewhere, but others will fall victim to these predatory tactics by kraken.

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 2026-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: AR

Complaint narrative:
I am a public service employee and former Arkansas educator seeking assistance regarding an ongoing Public Service Loan Forgiveness ( PSLF ) issue involving the Department of Education and MOHELA. I have certified qualifying public service employment through XX/XX/XXXX. However, the Department of Education is currently not counting the months from XX/XX/XXXX through XX/XX/XXXX toward PSLF because my loans were placed into a federally mandated administrative forbearance connected to SAVE plan litigation and related administrative actions. These were not voluntary forbearance months requested by me. Despite maintaining qualifying employment during this entire period, my PSLF count remains frozen at XXXX qualifying payments. If these months were properly credited, I would be near forgiveness eligibility with a count of XXXX. I am respectfully requesting assistance through a congressional inquiry to help obtain : clarification regarding the exact classification of these administrative forbearance months, review of whether these months should qualify toward PSLF, and review of my PSLF payment count and coding. This issue is affecting many public service workers nationwide, and I would greatly appreciate any assistance your office can provide in obtaining review and clarification from the Department of Education and MOHELA. Thank you for your time and service to Arkansas constituents. Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo Bank , N.A . XXXX Dispute Resolution / Customer Relations XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Formal Demand for Return of Erroneous XXXX Transfer {$3500.00} Account : XXXX checking ... XXXX | Confirmation # : XXXX | Date : XX/XX/year> Dear Wells Fargo Dispute Resolution Team, I am writing to formally demand the return of {$3500.00} erroneously transferred via XXXX on XX/XX/year>, from my Wells Fargo checking account ending in XXXX ( Confirmation # : XXXX ). FACTS OF THE TRANSFER : 1. I sent {$3500.00} via XXXX to phone number ( XXXX ) XXXX, which I had saved in my contacts as my husband, XXXX XXXX. 2. XXXX 's own payment confirmation screen shows the transfer was sent to " XXXX XXXX '' at ( XXXX ) XXXX. 3. However, XXXX records confirm the number ( XXXX ) XXXX is enrolled under the name XXXX XXXX a person completely unknown to me and entirely unrelated to the intended recipient. 4. At no point during the transaction did XXXX alert me that the phone number was registered to a different individual than my saved contact. This name mismatch should have triggered a warning or confirmation step. 5. XXXX XXXX has received {$3500.00} to which they have no legal entitlement. This constitutes unjust enrichment. DEMANDS : Immediate investigation and reversal of XXXX transfer Confirmation # XXXX Return of {$3500.00} to my checking account ending in XXXX Written confirmation of the investigation outcome within 10 business days Please note that I have retained all screenshots documenting the name mismatch and transaction details. If this matter is not resolved within 10 business days, I intend to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Washington State Attorney General 's Office, and pursue recovery through XXXX XXXX XXXX XXXX XXXX. I trust Wells Fargo will act swiftly to correct this error. Please contact me at the address above or by phone to confirm receipt and provide a case number.

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 2026-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I opened an XXXXComenity financing account for dental treatment and enrolled in promotional financing. I consistently made monthly payments through autopay and believed the account was being responsibly managed. At the time the promotional financing period expired, approximately {$4500.00} remained on the balance. On XX/XX/year>, Comenity added approximately {$6600.00} in retroactive deferred interest charges to my account, increasing the balance to over {$11000.00}. My concern is not simply that interest was charged, but that the notice and servicing practices surrounding the deferred interest were inadequate and misleading while autopay remained active. The warnings regarding the deferred interest expiration were only included within online statements instead of through direct or urgent email notification, despite the fact that an extremely large retroactive charge was approaching. At the same time, Comenity continued automatically withdrawing minimum payments and sending routine payment reminder emails, which reasonably created the impression that the account was still being appropriately managed through autopay. Had I clearly understood that nearly {$7000.00} in retroactive interest would be added if the balance was not completely paid before the promotional expiration date, I would have immediately taken action to avoid it. I contacted Comenity multiple times regarding this issue. RepresentativeXXXX confirmed the deferred interest terms existed in the statements but initially advised that no reversal or dispute process was available. I was later offered a hardship/payment arrangement after explaining the severe financial hardship this caused. I believe consumers should receive much clearer and more direct warnings before retroactive deferred interest charges of this magnitude are applied, especially when autopay minimum payments remain active throughout the promotional period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: KEYCORP
State: NY

Complaint narrative:
My Mastercard with KeyBank was used to purchase several XXXX dollars worth of stuff that I did not buy or authorize. It's been a year since my dispute with the bank, not knowing what to do until today when I found this website. Having ignored me they have closed my account and sent it to collections completely ruining my credit score. I'm not responsible for these charges and the fraud department refused to work with me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for willful and ongoing violations of the Fair Credit Reporting Act ( FCRA ) spanning approximately 18 months. The violations involve the following specific items on my Equifax credit file : 1. Ally XXXX ( Acct # XXXX ) Equifax is reporting false 60-day late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This account has been paid as agreed with zero late payments. These false derogatory notations are unverifiable and have caused direct financial harm over approximately 18 consecutive months across multiple bureaus. 2. XXXX XXXX XXXX ( Acct # XXXX, {$800.00} ) This is a fraudulent account resulting from identity theft. I never opened or authorized a XXXX XXXX XXXX account. Under 15 U.S.C. 1681c-2, Equifax is required to block this information within 4 business days of receiving identity theft documentation. Equifax has failed to do so, constituting a willful federal violation. 3. XXXX Hard Inquiry ( XX/XX/XXXX ) This inquiry was made without my written authorization, in direct violation of 15 U.S.C. 1681b governing permissible purposes. 4. Unauthorized Addresses Equifax is maintaining unauthorized addresses on my credit file, which are indicators of ongoing identity theft and a violation of 15 U.S.C. 1681e ( b ) ( maximum possible accuracy requirement ). A formal pre-litigation dispute letter was sent to Equifax via USPS Certified Mail with Return Receipt on XX/XX/XXXX, demanding immediate action. As of this filing, Equifax has failed to provide written acknowledgment, assign a compliance officer, or take corrective action within the required statutory timeframes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I am experiencing a severe financial hardship and am actively trying to avoid defaulting on my {$10000.00} private student loan. I have contacted Firstmark Services multiple times over the last few months to explain my financial hardship and offered partial payments, but agents refused to accept anything less than the full past due amount. Firstmark customer service repeatedly stated they 'could not help me, ' leaving me with no options to prevent default. Despite being told that no hardship assistance is available, I have acted in good faith by consistently making partial payments toward the past-due balance and late fees to demonstrate my commitment to resolving this debt. Firstmark Services, refuses to provide a hardship modification or temporary forbearance, forcing me toward default.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XX/XX/year> To Whom It May Concern, I am requesting validation of the alleged debts your companies are reporting and/or attempting to collect pursuant to the Fair Debt Collection Practices Act, XXXX U.S.C. XXXX. I dispute these debts and request competent verification that I have a legal obligation to pay. The accounts are as follows : Capital XXXX Collection Account Account Number : XXXX XXXX Card / Collection Account Account Number : XXXX Please provide the following documentation for each account : * The name and address of the original creditor * The complete account number associated with the alleged debt * A complete payment history and itemized balance * Documentation showing how the reported balances were calculated * Copies of any signed agreements or contracts associated with the accounts * Documentation proving your authority to collect and/or report these debts * The date of first delinquency * The method used to verify the debts during prior investigations Despite prior disputes, these accounts continue reporting on my consumer reports without sufficient verification or competent supporting documentation. Until proper validation is provided, I request that all collection activity and credit reporting related to these accounts cease. If your companies can not provide competent documentation validating these debts, I request immediate deletion of the tradelines from all consumer reporting agencies. This letter is not an acknowledgment or acceptance of liability for the alleged debts. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: AZ

Complaint narrative:
I do not recognize this account and can not confirm its legitimacy through any available records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 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: FL

Complaint narrative:
I am filing this complaint regarding XXXX continued reporting of inaccurate, incomplete, misleading, and potentially unverifiable information on my consumer report despite prior disputes and requests for proper investigation. Under FCRA XXXX ( a ), XXXX ( a ) ( XXXX ), and XXXX, I am formally demanding the complete Method of Verification ( MOV ) used during your investigation process and documentation supporting how these accounts were verified as accurate. The accounts being disputed include : XXXX XXXX XXXX Account ending XXXX Balance {$650.00} XXXX XXXX XXXX Account ending XXXX Balance {$1300.00} XXXX CITE / XXXX XXXX Account ending XXXX Balance {$1700.00} These accounts contain multiple reporting deficiencies including but not limited to : Missing Date of Last Payment fields Reporting 1 month terms on collection accounts Inconsistent Account Type Details and Payment Status codes Contradictory status reporting such as Closed + Collection/Charge Off simultaneously Incomplete payment history fields Potential XXXX XXXX XXXX deficiencies Incomplete or unverifiable account-level reporting data Generic investigation results without evidence of a reasonable investigation Experian is required to conduct a reasonable investigation and provide the exact method used to verify disputed information. Therefore, I demand : 1. XXXX XXXX XXXX XXXX ( MOV ), including : * Name of furnisher contacted * Date verification occurred * Verification procedure used * Documentation reviewed * Identity of any third-party verification systems used ( including e-Oscar if applicable ) 2. Copies of documents used to certify these accounts as accurate. 3. Immediate deletion of any account that can not be fully verified with competent evidence and complete XXXX XXXX compliant reporting. If Experian can not provide documentary evidence supporting the investigation process and accuracy of these accounts, continued reporting may constitute negligent or willful noncompliance under the Fair Credit Reporting Act. I request immediate correction or deletion and an updated copy of my consumer report upon completion of the investigation.

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 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was targeted by a sophisticated voice phishing and spoofing scam where fraudsters approached me via phone call spoofing the XXXX XXXX in XXXX, XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX to manipulate my account details. I have filed for an investigation with the local sheriffs office ( IRC Florida ), filed a fraud and identity theft report with the FTC, and am working to get in touch with the state attorney generals office. I had 2 paypal accounts and both accounts were compromised in the phishing, spoofing scam. After talking to local police who advised that I close any accounts that I dont use, I closed one of my accounts. A couple of days later, I received an email that a claim had been brought up against me. Below are the transactions that I recognized as fraudulent and unauthorized in one of my accounts. As for the other account that is now closed and unaccessible, I can not provide anything as I do not have access to the Paypal resolution center. I spoke to 5 different associates and no-one was able to provide a resolution. The most recent call being with an associate named XXXX on XX/XX/year>. XX/XX/year> XXXX XXXX : XXXX XXXX XX/XX/year> XXXX XXXX : {$2400.00} XX/XX/year> XXXX XXXX : {$2700.00} XX/XX/year>XXXX XXXX : {$10.00} XX/XX/year>XXXX XXXX : {$970.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Im a victim of identity theft and there is a fraudulent account that is reporting on my credit file with COMENITY BANK XXXX, balance {$0.00}. I did not open or authorize this account, and I therefore request that it be closed immediately. I have neither engaged in business transactions with this company nor entered into any agreements. Hence, it is unjustified for this company to report a fraudulent account that I have no knowledge of. This situation infringes upon my rights as a consumer, as outlined by the FCRA and FDCPA. Also enclosed is a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your actions. Enclosed is a copy of my Identity Theft Report supporting my position and cfpb notice to furnishers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Opportunity Financial, LLC
State: NC

Complaint narrative:
OPPORTUNITY FINANCIAL XX/XX/XXXX XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX Account XX/XX/XXXX XXXX Account Status Closed Charge Off Payment Status Past Due - {$2600.00} Balance Owed {$2600.00} Payment Amount {$0.00} Credit Limit -- This company has shared my personal information with another companywhether by selling it or otherwise sharing itthereby violating my consumer rights under 15 U.S. CXX/XX/XXXXe XXXX and 15 U.S. CXX/XX/XXXXe XXXX.

Company response to consumer: Closed with explanation