vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 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: MN

Complaint narrative:
I am a consumer disputing inaccurate and unverified information on my TransUnion credit report. After careful review, I identified several charged-off accounts and inquiries that I do not believe are being reported accurately or with proper authorization. 

Charged-Off Accounts in Dispute ( TransUnion ) XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX Opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX  Acct # XXXX Opened XX/XX/XXXX Balance {$680.00} XXXX XXXX XXXX Acct XXXX XXXX Opened XX/XX/XXXX Balance {$2900.00} XXXX XXXX Acct XXXX XXXX Opened XX/XX/XXXX Balance {$610.00} XXXXXXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance {$1400.00} These accounts are being disputed because they may contain inaccurate information and have not been properly validated. I am requesting that TransUnion verify the accuracy, ownership, balances, and reporting status of each account. Any account that can not be fully verified must be deleted. 

Inquiries in Dispute ( TransUnion ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recall authorizing these inquiries and request verification of permissible purpose. If TransUnion can not confirm proper authorization, these inquiries should 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 2026-01-14 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: SC

Complaint narrative:
Subject : MOHELA Refusal to Apply Standard Retroactive Forbearance to Correct Servicing Error Account Number : XXXX Dates of Disputed Delinquency : XX/XX/year> XX/XX/year> I am filing this complaint against MOHELA for their refusal to assist a borrower in curing a delinquency caused by an administrative oversight during a loan onboarding period. 

The Facts : I recently established a new loan with MOHELA. Due to a confusion with the autopay enrollment process during the account setup, payments were not drafted for the period of XX/XX/year> to XX/XX/year>. 

Upon discovering this error, I immediately contacted MOHELA to resolve the issue and clear all outstanding balances. I have 8 other loans on autopay, and this 9th loan was not enrolled or communicated in good faith. 

I formally requested a Retroactive General Forbearance to cover the specific dates of delinquency. This is a standard discretionary tool available to federal loan servicers to bring accounts current and correct negative credit reporting for borrowers experiencing temporary hardship or administrative difficulties. 

MOHELA has refused this request without valid justification. By refusing to apply the forbearance retroactively, they are effectively choosing to damage my credit report rather than utilizing the standard tools provided by the Department of Education to assist borrowers. 

The Violation : The servicer is acting in bad faith by denying a standard administrative remedy ( Retroactive Forbearance ) that would cure the delinquency and correct the credit reporting. This refusal is causing unwarranted and lasting harm to my consumer credit profile.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally sent the voluntary surrender paperwork to an incorrect address, despite my correct address being on file. I was informed by Ally representatives that I could not receive corrected paperwork and had to wait until the documents expired on XX/XX/year>. 

After XX/XX/XXXX, I still have not received the corrected paperwork, despite multiple attempts to contact Ally. When I call Allys customer service number, the automated system hangs up, and I am unable to reach a live representative or a supervisor. Ally has refused to transfer me to a supervisor.

I have made repeated good-faith efforts to complete a voluntary surrender, but Allys failure to send paperwork to the correct address and refusal to communicate has prevented me from completing the surrender. 

I am requesting that Ally immediately provide written instructions and paperwork to complete the voluntary surrender and correct their records to reflect my XXXX request. I am also requesting that Ally stop delaying this process and respond in writing. 
I have made repeated attempts to contact Ally Auto Finance by phone over multiple days.

My call logs show numerous outbound calls, including calls lasting over one hour and multiple calls that ended abruptly within minutes. Despite these efforts, I was unable to reach a supervisor, and calls frequently disconnected or ended through the automated system.

These records demonstrate my continued good-faith attempts to resolve this matter and Allys failure to provide meaningful access to customer service or supervision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
To : Credit Management Company XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX Subject : Cease & Desist / Debt Validation / Refusal to Pay Dear Credit Management I am writing in response to your attempt to collect an alleged debt that you claim I owe. This letter serves as my formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, that I am disputing this alleged debt in its entirety and am requesting full and complete validation. 

Until you provide proper validation as required by federal law, I am refusing to pay this alleged debt. Furthermore, you are hereby directed to cease and desist all collection activities, including but not limited to phone calls, text messages, emails, and third-party communications, except as specifically allowed by law. 
Required Validation Please provide competent evidence to substantiate your claim, including but not limited to the following : A copy of the original signed contract, credit agreement, or promissory note bearing my signature that shows I agreed to the alleged debt. 
A complete accounting and payment history from the original creditor, including the date of default and charge-off. 
Proof that Credit Management has legal standing and ownership of this specific account, including a complete chain of title, bill of sale, and assignment documents identifying this account by name and number. 
Verification that any Form 1099-C, if issued, was properly filed with the Internal Revenue Service , if applicable.

Affidavits or authenticated business records from a qualified custodian or witness with personal knowledge of the original creditors records, as required under the rules of evidence. 

Notice of Legal Rights Be advised that reporting or continuing to report this alleged debt to any consumer reporting agency without first providing proper validation constitutes a violation of the FDCPA and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
If you are unable to provide all of the requested documentation, you are required by law to immediately cease collection efforts, delete any credit reporting associated with this alleged debt, and close your file.

Communication Restrictions I do not consent to telephone calls, text messages, emails, or any electronic communications. All correspondence must be sent by U.S. Mail only to the address listed above.

Failure to comply with this lawful request may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Florida Attorney General, and pursuit of all civil remedies available to me under federal and state law. 
This letter is sent without prejudice and with full reservation of all rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
Company : Exeter Finance Type of issue : Debt collection / Credit reporting What happened : I am submitting this complaint regarding Exeter Finances failure to properly validate an alleged debt and the continued reporting of inaccurate information.

On [ insert date ], I sent Exeter Finance a written request for debt validation, along with notice regarding self-repossession of the vehicle associated with this account. This request was sent in writing and requested verification of the debt, including documentation supporting the balance claimed and the basis for any negative credit reporting.

Despite my written request, Exeter Finance has failed to provide adequate validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ) and continues to report negative information to the credit bureaus. Additionally, the account is being reported in a manner that does not accurately reflect the circumstances surrounding the repossession, despite Exeter being notified in advance.

Exeter Finance has : Failed to provide proper debt validation Continued collection and/or credit reporting activity without validating the debt Reported inaccurate or misleading information to consumer reporting agencies What I want the company to do : I am requesting that Exeter Finance : Provide full and proper validation of the alleged debt, including : A complete payment history Documentation supporting the balance claimed Proof of legal right to collect Correct or delete any inaccurate credit reporting related to this account Cease collection and reporting activity until the debt is properly validated I am requesting the CFPBs assistance in ensuring compliance with federal consumer protection laws.

Attachments : Copy of my debt validation letter Proof of delivery Credit report showing disputed reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
Mohela is my loan collector and they have charged me one month for installments in XXXX, and have already defaulted my loans. My charge amount was over the initial agreed rate. Now my loans are being defaulted, however I have only missed one payment due to them not getting back to me.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Shepherd Outsourcing, LLC
State: MO

Complaint narrative:
Keeps saying that I owe when I don't know who they are

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
To whom it may concern, Capital One closed my credit card dispute despite clear documentary evidence proving I was charged for hotel services not rendered.

I stayed one night only, which was confirmed in writing by the hotel through checkout confirmation. Despite this, I was billed for three nights via XXXX. I submitted the hotels written confirmation and proof of early checkout, yet Capital One accepted contradictory merchant claims and held me responsible for charges for nights I did not stay. 

This constitutes billing for services not rendered. I am requesting regulatory review and correction of this improper determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
CFPB Complaint Improper Denial of Credit Card Dispute by Bank of America To the Consumer Financial Protection Bureau, I am submitting this complaint regarding Bank of America , N.A . and its improper handling and denial of a disputed credit card transaction, in violation of federal consumer protection laws. 
Consumer Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX Bank : Bank of America , N.A . 
Account : Credit card account ending in XXXX Claim Number : XXXX Disputed Amount : {$1200.00} Date of Bank Response : XX/XX/year> Summary of the Issue I disputed a charge of {$1200.00} that I did not authorize. Bank of America denied my claim, asserting that the transaction was valid because the cards chip was read, a PIN was entered, and/or a signature was obtained. I categorically deny authorizing this transaction, entering a PIN, or signing for this charge. 
Bank of Americas response relied on assumptions rather than verified proof and failed to provide documentation substantiating its conclusion. 
Violations and Concerns Bank of America failed to comply with its obligations under the Fair Credit Billing Act ( 15 U.S.C.

1666 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) by failing to conduct a reasonable investigation and failing to provide verifiable evidence of authorization.

Documentation Requested 1. A copy of the signed sales receipt bearing my signature 2. Proof of PIN entry, including terminal logs or verification method 3. Merchant documentation confirming identity verification 4. Full transaction records and merchant correspondence Requested Resolution I respectfully request that the CFPB require Bank of America to conduct a proper investigation and either provide documentation relied upon to deny my claim or reverse the disputed charge and correct any adverse reporting

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 monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: Betterment LLC
State: FL

Complaint narrative:
I was sent a referral link by a friend who had opened a cash reserve account with Betterment. The link claimed that if I opened an account via that link and made a qualifying deposit, both I and my friend would be eligible for a promotional interest increase of 0.75 % APY for 90 days. I read all the terms and conditions to be sure I qualified. I opened the account via the link that was provided by my friend and made a qualifying deposit that same day ; however, the interest boost was never applied. After contacting support, they claimed that I did not follow the steps to qualify for the promotional offer. I laid out all of the steps that I followed and asked that they confirm which step was not accurate. They then claimed that they could not " verify '' that the account was opened via the link, so I would not qualify for the offer. This is an absolute scam, as I had no idea the company even existed before I got that link and clearly did open the account via that link. I have since withdrawn all funds and will be closing the account, but I would like to make sure others are aware of this promotional scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am writing to formally dispute the delivery status of a blazer I purchased from XXXX for approximately {$2700.00}, which was scheduled to be delivered on XX/XX/XXXX. 

I never received this package. 

The proof of delivery XXXX is relying on is a single photograph provided by the shipping XXXX showing a box placed in a generic hallway. The image does not show : - A door number - An apartment number - A visible address - Any identifiable feature tying the location to my residence There is no way to verify that the photo was taken at my building, let alone at my unit. As such, this does not constitute valid proof of delivery. A photo of a box in an unmarked hallway could have been taken in virtually any building in XXXX. 

Despite this, XXXX is presenting this image as conclusive evidence of delivery, and American Express is relying on Nordstroms assertion in reviewing my dispute. This places me in an unfair position, as I am being held responsible for a carriers failure to properly document delivery and a merchants acceptance of inadequate proof. 

To be clear : - I did not receive the merchandise- There was no signature confirmation - There is no verifiable delivery evidence tied to my address I am requesting that XXXX : XXXX. Acknowledge that the provided image does not meet reasonable delivery verification standards, and XXXX. Either issue a refund or ship a replacement immediately If this matter can not be resolved promptly, I will continue escalating through my card issuer and applicable consumer protection channels, as I have acted in good faith at every step. 

Please confirm next steps in writing. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
I use merchant services Fiserv/Clover and within 40 days had only five transactions.

The company froze my account and are hiding behind the excuse of risk management inquiry.

Is now been a full week with no explanation as to why my funds have been frozen and I can not do business.

When I ask questions to the representative, I was boldface lied to and told that the clover app that I used will work fine, but failed to mention that my account was frozen so now I have money tied up that they will not release.

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 2026-01-14 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: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: DE

Complaint narrative:
XX/XX/XXXX XXXX XXXX took that amount out my account I disputed they denied it 2 days later than I asked for a rebuttal it was denied with no documentation than XX/XX/XXXX I disputed transaction that was not authorized and my card was also locked totaling XXXX it was denied in less than XXXX hours. I have so many denials from these people when im denied their suppose to send documents they dont on XX/XX/XXXX I put in a dispute when XXXX was stolen they denied it as well with no paper work

Company response to consumer: Closed with explanation