vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The information associated with this account can not be validated through any records currently available 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 2026-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
I have emailed back and forth with Ed Financial about questions regarding my account : XXXX email XX/XX/XXXX to clarify some questions regards to my payment plan Received a response on XXXX saying " Your Income-Driven Repayment ( IDR ) Plan Renewal Application was processed and approved on XX/XX/XXXX. The payment of {$1000.00} will start on XX/XX/XXXX. ". XXXX email to them on XXXX clarifying where that is reflected and where I can view it on Edfinancial Received a response today XXXX : " Your auto payment information has not been updated currently, to reflect the new amount due on XX/XX/XXXX. The upcoming payment of {$3000.00} will be due on XXXX " I have since reached out to Federal Student Aid to verify this and they confirmed that I'm on the IDR program with a monthly payment amount of {$1000.00}. I reached out to them XXXX and they verified that this is correct. I reached out to Edfinancial XXXX number that was provided to be by the Federal Student Aid reps and it either disconnects you or does not allow you to leave a XXXX. There is not a way to get in contact with any representative to talk to on EdFinancial who I can discuss with in regards to my account and Federal Student Aid reps continue to tell me I need to discuss it with Edfinancial since they are the servicer of my student loans. All government loans, none private. Please help..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I use my bank XXXX XXXX to make payments, for a payment in XXXX, the payment was never received by the lender and they reported a late payment on my account, even though the payment was sent. I had to resubmit payment but it was too late to stop as late payment from being reported. I have never missed a payment or had any other late payment on the account. Afterwards, I started making payments directly at lender 's website.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I am submitting this complaint regarding Comenity Capital Bank and the XXXX XXXXXXXX XXXX XXXXXXXX credit card account being reported on my consumer reports. I previously disputed this account and related reporting with the consumer reporting agencies after discovering information that I believe resulted from unauthorized activity and identity theft. I also submitted an FTC Identity Theft Report and supporting documentation concerning the disputed account. Despite my disputes and supporting documentation, the information has continued to be reported and verified. I have repeatedly advised that I do not accept responsibility for the disputed account activity and have requested a reasonable investigation into the matter. In addition to my prior bureau disputes, I have now sent Comenity Capital Bank a direct furnisher dispute by certified mail along with proof of identity, my FTC Identity Theft Report, and supporting documentation. The company has been placed on notice that I dispute responsibility for the account and any resulting derogatory reporting. I am requesting that Comenity Capital Bank conduct a complete investigation, review all documentation provided, and produce documentation demonstrating that I authorized and benefited from the disputed account activity. If such documentation can not be produced, the disputed reporting should be removed and corrected with all consumer reporting agencies. I am requesting CFPB assistance because my previous attempts to resolve this matter have not resulted in a meaningful investigation or correction of the disputed information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
Awarded a XXXX XXXX In my city Rep discussed XXXX forgiveness/lein release XXXX was possible. Saw no reason they should as former home demolished through grant program Submitted all paperwork XX/XX/XXXX. No calls back as promised Then a new rep. The run around Wrong dept. Ive had to call frequently. Finally was in right dept entire time. Today. Denied. Told him I didnt persue a grant home personally XXXX took names. It was ohhh. XXXX is the only only cooperative. Not even her dept but XXXX have had to go up the emails and correspondence and said there it is. Yes a hardship as being on XXXX since XXXX. Now to pay my mortgage. They just added insurance on a house in a landfill that they have all documents When XXXX XXXX is finished I pay out of pocket homeowners and taxes which was in my mortgage Gas is high. its a struggle. They have not done their job since XXXX of this year. XXXX XXXX definitely wants the money but as ones have said, forgiveness and release can be done. Through email after email last week still asked did the house catch fire. For real. If phone calls and they repeat what they are writing to the appropriate department my goodness why was I asked. Im tired of struggling. Homeowners and taxes will now.paid out of my check. We know how bad our nation is in. Im tired of so sorry youve had the run around. Even fighting the tax department where my mortgage company and I have paid the city taxes and tax office shows so reimbursing. For real. I said I paid In XXXX. If my mortgage paid you in XXXX why were they not reimbursed. And they have no record. Im seeing a XXXX due to the XXXX on a phone 2 hours re explaining and its recorded. Im pleading the loan forgiveness/lein release. I sleep on one bed. My washer and dryer died. Washettes are expensive as Im using one in this rental till my hud grant home is completed next month. I told him as Ive told them all. The US government doesnt come to your house and sayohhhh can we give you a Hud grant home. It has to be approved by the government. Any help is deeply appreciated Im emotionally depressed and cant take much more non cooperation as a friend suggested contact yall XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I received a credit card bill, from American Express, with a closing date of XXXX XX/XX/year>. A paragraph on the first page of the bill erroneously indicates I initiated a dispute about {$120.00}, that this amount has been tentatively credited to the account balance, and that unless I prevail in the dispute, a debt of {$120.00} would eventually be returned to the account balance, and then I'd be billed for, and required to pay, that debt. But I never initiated the dispute, and the amount of {$120.00} was never credited to the account, so I do not owe this amount to AMEX, and it should never be billed, and I should never be asked to pay it. I called AMEX on XXXX XX/XX/year>, and spoke to a manager named XXXX, ID # XXXX. I requested a letter to acknowledge and to correct the mistaken bill. XXXX orally acknowledged that I never initiated the dispute, that no {$120.00} credit was added to my account balance, and that I don't owe it. But she refused to acknowledge that the bill says what it says, and said AMEX won't provide any letter to acknowledge or to correct any mistakes, and won't let me to speak with any higher authority.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
I called the company and told them I could not make any further payments to the title loan due to financial distress. ( Unable to afford rent, food, care for myself, basic necessities ) The loan started in XX/XX/XXXX and I had made two years of on time payments with a 35.9 % interest rate. The last payment I made was XX/XX/XXXX. Furthermore they closed my account and charged it off as profit loss. I received this notice through XXXX XXXX and also XXXX credit report. I have called the company to ask for the lien off of the vehicle so I could sell it to help me financially. The company told me I still owe the money, they just will not be charging me anything else. Payments were made in the amount each month for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: LA

Complaint narrative:
On XX/XX/year>, I submitted a refund request to Western Union for a money order in the amount of {$130.00}. The money order was purchased at XXXX and was never cashed. I still have the original money order and the purchase receipt. Since submitting the refund request, the status has continuously shown " XXXX XXXX. '' It has been more than XXXX months, and I have not received a refund, a decision, a case update, or any explanation for the delay. I also did not receive a confirmation email or any request for additional documentation. I have attempted to obtain assistance regarding the status of the refund but have been unable to receive meaningful support. The funds remain outstanding despite the money order never being negotiated or cashed. I am requesting that Western Union promptly review my refund request, provide an explanation for the extended delay, and issue the refund for the uncashed money order.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: KY

Complaint narrative:
XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX RE : Formal Dispute of Alleged Debt and Request for Validation Account Number : XXXX To Whom It XXXX Concern : I am writing in response to your reporting and collection of an alleged apartment-related debt in the amount of approximately {$6800.00}. I dispute this alleged debt in its entirety and request validation pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I do not acknowledge liability for this alleged debt. This correspondence is not a promise to pay, nor is it an admission that any debt exists. Because you have reported this account and are attempting to collect it, I demand that you provide competent documentary evidence establishing the existence, amount, ownership, and collectability of the alleged obligation. Specifically, please provide : 1. The name and address of the original creditor and apartment community. 2. A complete itemization of the alleged balance, including all rent, fees, damages, penalties, interest, and other charges. 3. A complete accounting ledger and payment history from the inception of the account through the present. 4. A copy of the signed lease agreement and any amendments you contend create liability. 5. Copies of any documents bearing my signature that you rely upon to establish liability. 6. Move-in and move-out inspection reports. 7. Photographs, invoices, receipts, estimates, contractor bills, and repair records supporting any claim for damages. 8. Documentation showing how the amount of {$6800.00} was calculated. 9. Documentation identifying the current owner of the alleged debt. 10. Written proof that Hunter Warfield LLC has legal authority to collect on this account. 11. Documentation establishing the complete chain of title, including all assignments, transfers, placements, or conveyances of the alleged debt. 12. Copies of any agreements authorizing your company to collect this account on behalf of another party. 13. The date of alleged default and the date the account was placed for collection. 14. The names of all consumer reporting agencies to which this account has been furnished. If you are unable to provide documentation sufficient to establish the validity of this alleged debt, I request that you cease collection activity and promptly notify all consumer reporting agencies to which you have furnished information that the account is disputed. Furthermore, because this account is disputed, I request that any credit reporting related to this account reflect that it is disputed by the consumer. Failure to accurately investigate disputed information or to report the account as disputed may constitute violations of applicable federal law. I reserve all rights and remedies available to me under federal and state law. Sincerely, -- - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: UPGRADE, INC.
State: MS

Complaint narrative:
I am submitting this complaint regarding Upgrade and its continued reporting of a disputed account that I have challenged as the result of identity theft, unauthorized activity, and/or fraud. I previously notified the consumer reporting agencies that this account was not authorized by me and submitted disputes challenging the accuracy and ownership of the account. I also provided an FTC Identity Theft Report and supporting documentation regarding the fraudulent activity. Despite these disputes, the account has continued to be reported and treated as verified. I have not been provided sufficient documentation demonstrating that I personally applied for, authorized, received the proceeds of, or benefited from the account being reported. In addition to my prior disputes with the consumer reporting agencies, I have now sent Upgrade a direct written dispute by certified mail containing my FTC Identity Theft Report, proof of identity, and supporting documentation. Upgrade has been placed on notice that I dispute responsibility for this account and any related derogatory reporting. I am requesting that Upgrade conduct a reasonable and thorough investigation into this matter and provide documentation demonstrating that I personally authorized and benefited from the account. If Upgrade can not provide competent evidence establishing my responsibility, the account and all related reporting should be removed and corrected with all consumer reporting agencies. I am requesting CFPB assistance because my previous disputes have not resulted in a meaningful resolution and the disputed reporting continues to negatively affect my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
XX/XX/XXXX I tried to send a wire from my Citi Bank bank account. I got an email saying the wire was cancelled due to suspicious concerns. The email said call us. I did and they ask for a reference number that was left in my voice mail. The voice mail was accidentally deleted. They said they also mailed a letter to me with the reference number in it. I was told by XXXX different fraud customer service reps the letter was mailed on the XXXX of XXXX and expect it within XXXX to XXXX business days. If not call them It's now been XXXX business days and I called. They changed their story and now say XXXX to XXXX days. Nonsense!!!!! Doesn't take that long to get a letter. My mobile app is locked and I'm having a financial hardship over not having access to my account. My car payment was returned because my account is locked. I get the same story. They say they need the reference number but I have given them everything possible to verify my identity. I've had it

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 2026-06-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the account that Credence Resource Management is reporting under my name. This account does not belong to me, and I did not authorize anyone to open or use this account. I have previously contacted your company regarding this matter and informed you that I am a victim of identity theft. Despite my efforts to resolve this issue, the account continues to be reported on my credit report, causing harm to my credit history and credit score. Additionally, I have not received an identity theft packet, fraud packet, or any documentation explaining the steps required to investigate and resolve this dispute. Under the Fair Credit Reporting Act ( FCRA ), I request that Credence Resource Management conduct a reasonable investigation into this matter and provide documentation verifying that I am legally responsible for this account. If you are unable to provide such verification, I request that the account be immediately removed from all credit reporting agencies. I also request written confirmation of the results of your investigation and copies of any documents used to verify this alleged debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 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: WV

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. I looked at my Experian XXXX XXXX XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash App. I pay my rent to my landlord and sometimes receive payments from friends and family They all of a sudden described my account with no notice I didnt have another way at the time to send my landlord rent money in a timely fashion I filed an appeal, and they denied the appeal without a reasonable detailed information There is no option to speak to someone to determine what I did to violate their terms If I did, it was unintentional I do not do any type of fraudulent activity on my Cash App account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I mailed a {$56000.00} check to Capital one they sent me an email stating {$10000.00} would be available XX/XX/year> and the remainder would be available XX/XX/year>. I then received a email that they were putting a hold on the entire check until XX/XX/year> after I told my landlord I would pay her tomorrow. The email gave no reason only the reason was confidential. I called back requested the exception hold notice which by law they must give the reason for the exception which they stated their email was that document. Being that it gave no reason it is a clear violation of regulation CC 229.13 ( g ). And also a violation of ( EFAA ) for withholding the entire value of the check without cause and failing to provide cause. This clearly a way for bank to not release the checks in the same manner every other bank does in this country making the funds available so much the 1st day and the 2nd then holding the rest as outlined. This is a violation of law and banking integrity and must be stop. This bank must comply with the rules all other banks do and if not regulatory over sight must step in to protect the consumer from such predatory behavior. I am sure i am not the only victim of this blatant manipulation of the rule of law

Company response to consumer: Closed with explanation