vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
SUMMARY OF FACTS This formal escalation addresses Comenity Bank 's failure to resolve a billing error already reported XXXX  and during this active dispute period, Comenity Bank has created random, new, unexplained fees to the account, compounding the financial injury. Creditor Name : Comenity Bank.

II. REGULATORY NON-COMPLIANCE Comenity Bank 's actions violate federal consumer financial law, requiring mandatory intervention : A. Fair Credit Billing Act ( FCBA )/ Regulation Z ( 12 CFR 1026.13 ) Violation : The Bank has failed its regulatory duty by ( 1 ) failing to provide a substantive response into the billing error, and ( 2 ) continuing to charge new, unauthorized fees while the dispute is active.

B. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP - 12 U.S.C. 5531 ) The imposition of new, unexplained fees during an unresolved FCBA dispute constitutes an Unfair Act. This practice causes substantial, unavoidable consumer injury and demonstrates a systemic compliance failure. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The minimum amount requested was paid by me on time. As broken down in their statement, no additional fees would be added for making the minimum payment. There is a breakdown on the statement ATTACHED. XXXX XXXX XXXX XXXX XXXX This is the XXXX XXXX  SIXTH XXXX XXXX  RANDOM CHARGE COMENITY HAS CHARGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SIX charges on ONE PURCHASE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attachments : Evidence of newly accrued fees/charges ( e.g., account statement snapshot )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I have followed the steps to report a student loan on my account that doesn't belong to me. I have given the correct information based on the loans that are mine and what's incorrect about the XXXX that I did take out. For some reason no one from XXXX is willing to dispute the loan. No one at the college I attended is willing to address the issue with the next entity and/or person that is capable to dispute the loan on my behalf. I've spoken with every entity involved and there is no clear guidance on how to be protected against the theft done to me. There is no reward or any sympathy on the matter. For example, I was asked to fill-out fraud paperwork from my lender and a police report was optional. However, it would help my situation more if I did get a police report. I was later informed that the paperwork wasn't the proper step to take without a police report. So, I got the police report. I submitted paperwork from my banking institute to show my evidence for my existing loans for the time/date of deposit. I have disputed this more than necessary and it just will not be deleted from my XXXX  or loan servicer credit reports. I am the one that was done unjustly but the process is been conducted slower by my attempts to try to correct the problem. It feels as though I'm being investigated/punished for something I did not do or knew anything about. Also, I get locked out of my loan services platform a lot and this is a new profile I created this year after finding out about the fraudulent loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Fidem Baltimore Holdings LLC
State: MA

Complaint narrative:
I signed up for an ignite card through XXXX XXXX on XX/XX/XXXX, and received a notice that XXXX XXXX was selling the card to a new bank, XXXX XXXX  XXXX XXXX XXXX, SD on XX/XX/XXXX. The XXXX app I had been using to manage my card with XXXX XXXX updated to " the ignite card '' and it was fine. 

Then on Friday, XXXX XXXX, XXXX, I received an email purportedly from " the ignite card '' that the app I had been using was going to be deactivated and I needed to create a new account on their website instead. Obviously, I did not click on any links in the email, since that's not secure, and typed in the URL provided myself, XXXX  Once on the site, there were only XXXX clickable buttons, " Sign up '' and " Sign In, '' with no notice of what bank this card is affiliated with, no link to customer service for questions, no legal notices, and even the words " Terms & Conditions '' had no outlinks. When I XXXX " ignite card, '' the only active link that took me to an actual website was the one to sign in or sign up, all others led to error pages. 

So I tried to search for the XXXX XXXX  XXXX XXXX, and found their website, but this card is not XXXX listed on their site, XXXX XXXX XXXX I felt like this might be a scam, so I called the customer service number I could access in my app ( which was same as the XXXX listed in the email ), and their customer service representatives told me the website is just bad because it's going through a " transition '' and when I asked if they had contact info for the actual bank, they clearly had not been provided this information because the phone number, email and address were all from XXXX different " XXXX  XXXX  '' banks. 

The app that I still have access to is no longer loading any of the legal documents listed under " legal, '' including my cardholder agreement, electronic consent policy, privacy policy, privacy notice, terms of use, ach agreement, electronic payment agreement, XXXX guide to benefits, and rewards agreement, and there is no in-app message service. I am still able to see my credit card statements, that I have recently made a payment, recent transactions and just used rewards on Friday. The XXXX XXXX XXXX es ) for ignite listed on the statement are XXXX XXXX XXXX, XXXX, UT XXXX and XXXX XXXX XXXX, XXXX, PA XXXX. 

I have not received any app notifications, banners, etc. saying the app is shutting down. 

I want to verify that this website is legitimate before entering personal information into a random portal, and will hopefully be able to do so by calling the XXXX XXXX XXXX  XXXX XXXX tomorrow, but either way, it feels like my credit card should have to tell me what verified financial company is providing me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Last 4 of SSN : XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : DEMAND FOR REMOVAL OF UNVERIFIED NEGATIVE REPORTING FCRA 609, 611, 613 & FDCPA 807 To Whom It May Concern, This letter serves as a formal dispute and demand for immediate deletion of the inaccurate and unverifiable accounts listed below. These accounts are currently being reported in violation of the Fair Credit Reporting Act ( FCRA ) and, where applicable, the Federal Debt Collection Practices Act ( FDCPA ).

ACCOUNTS IN DISPUTE Creditor / Furnisher Account ( Last 4 ) Reason for Dispute XXXX XXXX XXXX No original signed application has been produced. This item appears unverified and improperly furnished. 
XXXX XXXX XXXX No chain of assignment or bill of sale provided. XXXX has not demonstrated legal right to own, report, or collect on this alleged account. 
XXXX XXXX Amounts, reporting dates, and payment history are inconsistent and inaccurate. No itemized billing statements have been furnished. 
LEGAL NOTICE Under FCRA 611 ( a ) you are required to conduct a reasonable reinvestigation.

A verification based on electronic data or prior confirmations does not meet legal standards.

I am specifically requesting : The Method of Verification ( FCRA 611 ( a ) ( 7 ) ) Original wet-ink signed contracts or applications ( FCRA 609 ( a ) ( 1 ) ( A ) ) Complete chain of title/ownership for any debt that has been transferred Full account-level ledger showing how balances were calculated If any of the above can not be produced, you are required to DELETE these accounts under : FCRA 611 ( a ) ( 5 ) ( A ) : Duty to Delete If Information Can not Be Verified NOTICE REGARDING DEBT COLLECTORS If any of these accounts involve a third-party collection agency : Failure to provide full debt validation violates FDCPA 1692g Reporting an unvalidated debt constitutes false representation under FDCPA 807 ( 8 ) This is grounds for civil liability and damages.

YOU HAVE 30 DAYS TO COMPLY If : You fail to respond within 30 days, You respond without legally admissible documentation, You claim previously verified without reinvestigation, Then you will be in willful violation of FCRA 616 & 617.

I am prepared to file complaints with : CFPB ( Consumer Financial Protection Bureau ) North Carolina Attorney General FTC ( Federal Trade Commission ) and pursue civil action, if required. 

I request written communication only. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
Sunrise Credit Services is trying to collect a debt that I do not owe. I have no knowledge of this company. Never had any affiliation with this company. This company is reporting on all three of my consumer reports. XXXX, XXXX and XXXX. I want punitive damages of {$1000.00} along with deleting from my consumer 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 2025-11-10 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: SC

Complaint narrative:
Im filing this complaint because XXXX XXXX XXXX  keeps reporting late payments that they have never verified or backed up with any proof. Every time I dispute it, all I get back is the same automated verified response but verified how? Verified with what? Theres no documentation, no bank statements, no proof of payment history, and no written validation. 
Lets be clear if XXXX XXXX cant show me actual bank statements or transaction records to prove these late payments, then this is hearsay, plain and simple. Youre reporting false information and calling it verified. Thats not how the law works.

Now, the credit bureaus keep sending back responses saying I claimed identity theft or that Im working with a credit repair company. Where in any of my disputes did I ever say that? Show me where. I never claimed identity theft, and even if I was working with someone to help me understand this process so what? Somebody needs to, because you all are making billions of dollars selling and collecting consumer data, and you cant even get the information right. Youre blatantly doing people wrong and hiding behind automated systems and template replies.

This is not just inaccurate its a violation of federal law under the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Standards. The entire system is supposed to ensure factual accuracy, not guesses. Youre reporting serious negative information without evidence, and thats a problem.

This violates : FCRA 607 ( b ) duty to ensure maximum possible accuracy ; FCRA 611 ( a ) ( 1 ) ( A ) duty to reinvestigate disputed information ; FCRA 611 ( a ) ( 5 ) ( A ) unverifiable information must be deleted ; FCRA 623 ( a ) ( 1 ) ( A ) can not report information known or believed to be inaccurate ; FCRA 623 ( a ) ( 3 ) must report accounts as disputed once notified ; Metro 2 Manual 4.2.2, 4.3.1, 6.2.1 require factual documentation and proper dispute coding.

This isnt a joke this is my livelihood. False late payments can ruin someones chances to buy a home, get a car, or even rent an apartment. If youre going to report negative information about me, then you better have proof not just an automated verified reply.

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 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THAT YOU CEASE AND DESIST ALL COLLECTION AND REPORTING ACTIVITIES REGARDING THE ACCOUNT REFERENCED BELOW, AS THE INFORMATION YOU ARE PROVIDING OR HAVE PROVIDED TO CREDIT REPORTING AGENCIES IS INACCURATE, UNVERIFIABLE, AND IN DISPUTE. 

UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ), XXXX U.S.C. XXXX ET SWQ., AND THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), XXXX U.S.C XXXX XXXX ET SEQ., I HAVE THE RIGHT TO DISPUTE ANY INACCURATE OR UNVERIFIED INFORMATION AND TO REQUEST THAT SUCH INFORMATION NOT BE REPORTED UNTIL ITS ACCURACY IS CONFIRMED. YOU HAVE FAILED TO PROVIDE SUFFICIENT VERIFICATION OF THIS ACCOUNT ; THEREFORE, CONTINUED REPORTING OR COLLECTION ACTIVITIY CONSTITUTES A VIOLATION OF FEDERAL LAW. 

I AM DEMANDING YOU : XXXX. ) IMMEDIATELY CEASE ANY AND ALL COLLECTION EFFORTS REGARDING THIS ACCOUNT. XXXX. ) REFRAIN FROM REPORTING OR RE-REPORTING THIS ACCOUNT TO ANY CREDIT REPORTING AGENCY UNTIL THE DEBT HAS BEEN FULLY VALIDATED. XXXX. ) REMOVE OR DELETE ANY INACCURATE, INCOMPLETE, OR UNVERFIABLE INFORMATION CURRENTLY BEING REPORTED. 

FAILURE TO COMPLY WITH THIS REQUEST MAY RESULT IN FURTHER ACTION, INCLUDING FORMAL COMPLAINTS TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ), THE FEDERAL TRADE COMMISSION ( FTC ), AND MY STATE ATTORNEY GENERAL 'S OFFICE. ADDITIONALLY, I RESERVE THE RIGHT TO PURSUE CIVIL REMEDIES FOR ANY VIOLATIONS OF MY RIGHTS UNDER THE FCRA AND FDCPA. 

PLEASE PROVIDE A WRITTEN CONFIRMATION THAT YOU HAVE COMPLIED WITH THIS CEASE-AND-DESIST REQUEST WITHIN 15 DAYS OF RECEIVING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am submitting this formal complaint against Cash App regarding their failure to properly investigate and refund multiple fraudulent transactions, and for unjustly shutting down my account while I was in the process of disputing unauthorized activity. 

In XX/XX/year>, I reported several unauthorized charges made through my Cash App account. I provided all available evidence, including : A police report filed with the XXXX XXXXXXXX XXXX XXXX documenting the fraudulent transactions. 
Text message evidence proving I did not authorize or initiate the payments. 
Medical documentation confirming that I was under medical supervision and unable to monitor or control my phone and accounts during the relevant period. 

Despite submitting this evidence, Cash App denied my claim, refused to refund the stolen funds, and subsequently deactivated my account without notice or explanation. I was not provided any opportunity to recover my funds or access the account to gather further documentation. 

This conduct violates the Electronic Fund Transfer Act ( Regulation E ) and the protections established by the FDIC for financial institutions operating within the XXXX XXXX. As a consumer, I am entitled to fair investigation and reimbursement for unauthorized transactions once properly reported. 

Cash Apps refusal to cooperate, combined with the abrupt account closure, has caused unnecessary financial hardship, XXXX XXXX, and disruption to my ongoing efforts to resolve multiple cases of identity theft. 

Resolution Requested : I respectfully request that Cash App ( Block, Inc. ) be required to : 1. Refund the full amount of all unauthorized transactions ; and 2. Reopen or provide full access to my account records to allow me to obtain all necessary documentation for my ongoing identity theft investigation. 

Supporting Documents Attached : Police report ( XXXX XXXXXXXX XXXX XXXX  ) Screenshots of unauthorized transactions Medical documentation Cash App correspondence Proof of account closure notice Thank you for your time and attention. I request your assistance in ensuring that Cash App complies with federal and consumer protection laws regarding electronic financial transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
We've been using Affirm for our purchases, everything was fine to recently their refund process changed without knowledge, and it doesn't specifies it anywhere in their app. I proceeded to chat with them and in the chat they specified the refund process to what I'm not receiving from them. Now they're telling me that my refund which they asked me on the app, if I wanted the refund applied immediately I would have to respond to the app to get refund, or if I wouldn't respond they will send me the refund through the mail, which I chose to refund immediately. But they still said that my refund was sent through mail which I'll be getting the refund 180 days or more. So I have to pay for an item I returned the following day, that would be the same amount of time to pay off the debt. In this day in age refunds have become easier to process, I don't understand why are they using this system today. The other point I want to make is, if I pay for something I returned the following day I will end up paying interest on a merchandise I returned 5 to 6 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: FL

Complaint narrative:
On XX/XX/year> I noticed money was taken out of my account without authorization totaling to XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents. I called chime to report the fraudulent transactions and they had me change my password and they submitted a claim to the fraud department. The first dispute was denied the next day and when I called to ask why XXXX more transactions went through on my account while I was on the phone, but were denied due to insufficient funds. The chime representative had told me the claim was denied due to lack of evidence. So I had them reopen the case and I sent in more evidence of being threatened and that somebody had hacked my account and the next day they approved XXXX transaction of XXXX XXXX and XXXX XXXX dollars to be refunded and denied the other XXXX transactions. I have been calling them every day for the last XXXX days since it happened and they refuse to give me my money back totaling at XXXX XXXX XXXX XXXX and XXXX XX/XX/XXXXand XXXX XXXX cents lost from the fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: FL

Complaint narrative:
On several occasions, XXXX  have requested a copy of my consumer credit report. More specifically, I contacted Experian and uploaded proof of my idenitiy. I called on several occasions because Experian continues to say that they are unable to verify me. This has been going on for over a year. 

I requested a copy of my credit report for all XXXX  bureaus via annual credit report but have been denied. I am, however able to access my reports via XXXX  XXXX like XXXX XXXX  and XXXX XXXX. So they are giving my information to everyone but me. 

I have not authorized them to sell or transfer my information to anyone and do not authorize it now.

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