vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: SC

Complaint narrative:
b'I have a student loan with XXXX.  I have been trying to get an in-school default application.  XXXX  says I have to get it through Mohela.  I have been given at least 7 different numbers this evening and no one has been able to assist me.  Agents say that I have to get transferred to another department and give me a number and then that agent says the same thing.  Some have even said they can download the application, but then turn around and say they cant.  I was sent to servicing.mohela.com to download the application.  Only to create an account and then get a message that there is no loan information for me.  I signed up with the same account information that I gave reps on the phone.  I am constantly getting the run aound.  I should have had the deferment over 2 months ago, but I am never able to get the application.  I have a fulltime job and I do not have 2 to 3 hours to waste every time I call in to get the application.  THIS IS DECEPTION AND AN UNETHICAL LENDING PRACTICE!!!.  My loan in continuing to collect interest and it should be in deferment!!! They give you the run around until you get discouraged, stop trying, all while the interest continues to climb to an unrealistic rate!!!   No one at XXXX  or Mohela is able to help me!  This makes no sense.  Here are the numbers that I have been given...this time!  Today is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAnd there were other transfers that I could not timestamp because I was unaware I was being tranfered until after the fact!!!  Unprofessional and Unhelpful.  Trying to get the email address of the CEO of mohela XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: KY

Complaint narrative:
I have no knowledge of this collection agency absolute resolution investment. I have never received any information about this collection account. The information that is being reported to my credit report is in inaccurate. If this has been verified as accurate I need to see your method of verification on how you are reporting a collection with a past due balance.if you can't provide this information please delete immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: MIDFIRST BANK
State: NJ

Complaint narrative:
I started a Payment plan to avoid foreclosure on XX/XX/year>. The plan was for 6 months. After 4 successful payments. I was advised by a XXXX XXXX  account representative that a prorated amount was only needed for XXXX payment. The payment was initiated XX/XX/XXXX due to an error on my part the payment amount was not covered. I called the mortgage company to resubmit the payment which needed to be in on or before XXXX XXXX I was advised by a Mortgage account representative that I had overpaid and the initial payment was not needed. after several attempts to ensure that this was accurate information, the representative advised me that we were on a recorded line, and if there was a problem in the future, all they needed to do was refer to the voice record. I received a letter in the mail which I have attached stating that my payment plan was canceled for non-payment effective XX/XX/XXXX in good faith I was going to make the payment and was advised which it is on a recorded line that I no longer need to make this payment. My final payment would be due Owner before XX/XX/XXXX. I have made my required payments on XXXX XXXX as advise me that Ive missed two payments. I could never get an accurate account for what Ive paid when I go into the portal. The amount is always different and I dont understand the reversals and the payments. I have made my payments as scheduled and my plan should not have been canceled.

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 2025-11-25 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was going through my credit fle and notice inquries that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Your company is in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by attempting to collect on a debt that has already been canceled, as evidenced by a Form 1099-C filed by the original creditor. Under 26 U.S.C. 6050P, a 1099-C represents the discharge of a debt, and attempting to collect on a canceled obligation constitutes a misrepresentation of the legal status of the debt in violation of 15 U.S.C. 1692e, 1692e ( 2 ) ( A ), and 1692f. By continuing to report or pursue this invalid debt, your company is knowingly furnishing inaccurate information to the credit bureaus in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Furthermore, your company failed to comply with my lawful request for validation of debt under 15 U.S.C. 1692g ( b ). I specifically requested a full chain of title, a letter of assignment, and any legal documentation establishing that your company has the right to collect this debt, including the original signed contract. You provided none of the required documentation and instead continued collection activities, which is a direct violation of both the FDCPA and the FCRA, including 15 U.S.C. 1681i and 1681s-2 ( b ). Your failure to validate, combined with your attempt to collect a canceled debt, represents multiple federal violations for which your company is fully liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I clicked on a phishing email from robinhood. I was taken to a link that was a fake robinhood web site. I entered password and received a XXXX step verification code to my cell phone. I entered the code on the fake web site. Within minutes I received emails from robinhood that a XXXX Order Placed, Tue XX/XX/XXXX XXXX XXXX Your XXXX Order was Placed XXXX Order Placed Hi XXXX, You have submitted an order to sell {$1500.00} of XXXX. 

Less than XXXX minute later I received an email that the order had been filled. 

XXXX minutes later XX/XX/XXXX XXXX XXXX I received an email to verify a new XXXX debit card to attach to my account, Verify your debit card with Robinhood Hi XXXX, Its time to verify your XXXX debit card ending in XXXX. Heres how : Check your bank account - The charge typically appears in a few minutes, but may take longer depending on your bank. 
Find the Robinhood charge - You'll see a temporary {$1.00} charge with XXXXXXXX XXXX followed by a XXXX code on your statement. 
Copy the code - Copy the XXXX code, return to the app, and continue. 

XXXX minute later on Tue XX/XX/XXXX at XXXXXXXX XXXX I received an email that A debit card was linked to your account Hi XXXX, The XXXX debit card ending in XXXX has been linked to your Robinhood account. You can now access your money right away when you make instant transfers with your debit card. 

I immediately messaged robinhood and told told them that someone was going to steal my money and that I did not authorize or add a debit card to my account. 

XXXX minutes later on Tue XX/XX/XXXX at XXXX XXXX, I received an email that a withdrawal was made and transferred to the unauthorized debit card. 

Your withdrawal from your individual account has completed Hi XXXX, Your instant transfer has completed. 
Here are the details : Amount : {$1500.00} Fee : {$27.00} To : XXXX debit card ending in XXXX From : Individual account View transfer details If you have any questions, please contact support. 
The Robinhood team I was able to get fraud dept at robinhood to call me back. I spoke to them several times over the phone about the incident. I was tricked by the fake page to enter my password, but I NEVER authorized anyone to link a debit card to my robinhood account or authorize anyone to sell all my XXXX in the account, or to transfer the sold XXXX to a XXXX debit card ending in XXXX. 

After several phone calls, robinhood said that someone in the state of Washington logged into my account on Tue XX/XX/XXXX and made the XXXX sell order and linked the XXXX debit card and transferred the sold XXXX XXXX the card ending in XXXX. After a couple of weeks I received an email that stated I was not being refunded. I disagree.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo : Enrolled me in identity-theft protection programs between XXXX without authorization. 
Accessed my credit file unlawfully through more than XXXX soft inquiries. 
Opened and closed accounts and products in my name without consent. 
Provided false statements during mediation. 
Closed my cases without investigation. 
Retaliated when I requested supervisory review. 
Later confirmed XXXX additional unauthorized cases-after repeatedly stating there were no more. 
I never signed a release, waiver, liability discharge, or settlement barring future claims. 
I will include all the required documents or paperwork and proofs if needed.

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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Subject : Concern Regarding Interest Charges and Customer Service Experience Date : XX/XX/XXXX ( Monday ) Call Details : Started at XXXXXXXX XXXX lasted XXXX hour, XXXX minutes, and XXXX seconds Agent Name : XXXX XXXX ID : XXXX ( not sure if valid ) Contact Number : Capital One Customer Service XXXX I am writing to express my concern regarding interest charges on my accounts. 

For the card ending in XXXX, I was charged {$28.00} in interest, even though I paid the balance in full on XX/XX/XXXX. 
For the card ending in XXXX, I was charged {$56.00} in interest, despite also paying the full balance on XX/XX/XXXX. 

The agent I spoke with was unable to clearly explain how these interest charges were calculated or provide the exact dates on which the interest accrued. I requested a detailed report showing how these charges were applied, given that both accounts now show a negative balance ( meaning I paid more than I owed ). 
The agent suggested that I should have paid for over XXXX months instead of paying in full at once, which is confusing. As an ordinary cardholder trying to pay off my debts responsibly, I simply want a clear explanation of why these charges appeared and whether I need to pay them again. 
Unfortunately, the agent placed me on hold multiple times and seemed unsure of the answers. I believe additional training would help ensure customers receive accurate and helpful assistance in the future. 
Thank you for your attention to this matter. I look forward to receiving a detailed explanation of the interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
I contrtacted with Achieve to pay my credit card dept. They were to pay off the debts and I was to repay Achieve. I paid as promised for a long time and then found out that they had NOT paid my credit cards and I was being processed as delinquent. Several attempts to fix this went unanswered. I notified them that I was stopping the process and found another credit company ( XXXX XXXX XXXX ) to help me. Then, later when I applied for a VA mortgage with XXXX XXXX  I found out that Achieve had reported me as in default and listed me as a charge off for {$23000.00}. I submitted 2 claims to the credit bureaus but got not satisfaction. Now the bank wants me to pay Achieve {$23000.00} in addition to the {$12000.00} I've already paid ( and never received any help for it ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
XX/XX/year> there was a hard pull reported on my credit report from Tower Loan. I did not apply for a loan & the company is not sure where it came from. The company stated they would provide information to the credit bureaus stating I did not apply for a loan or give them permission to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I had previously had an issue with this and I got my account proof approved and started back in XX/XX/year> and Ive just got a notification saying that my XXXX was restricted and I called and they said that they rest strictly my account due to a security issue and then was on the phone with the money transfer team and they said that my account has permanently been closed chasing me no other want to continue the making relationship I havent done anything for them not to. I am highly XXXX because I have to go through this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a refund from XXXX sent accidentally to a closed account with chase. I have contacted chase multiple times about my refund and they have stated they dont see my refund. XXXX has reached out with a reference number of the payment and all possible details that proves that chase has received it. Even after continuous calls to chase with this information they are still claiming they hasnt received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I don't know the exact date now. I had to make a new cash app and get a new phone... But anyways. This was last XXXX or XXXX and yeah I was sent from my mom anywhere from XXXX to XXXX and then it was on hold then XXXX hours later my phone was stolen from these people that knew I had money stuck on it. So we insanity got in contact with them and as in cash app explaining that it's me and how they took over my cash app and ask if they would send that money back to my mom 's account. They wouldn't do it. Even when they knew I wasnt lying .. about who I was or anything.. I was just told that there's nothing they can do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
My Bank of America checking account was closed because I did not update my personal information in time. The bank informed me that they issued a refund check with the remaining balance of my account and mailed it to my address in XXXX. I was told this several times starting around XXXX. 
However, the check never arrived. It has now been more than XXXX months, and every time XXXX contact Bank of America ( through XXXX and phone calls ), they tell me that the check was mailed and that I must wait, but they refuse to provide any tracking number, mailing confirmation, or proof that the check was actually sent. They also have not offered to cancel the original check and reissue a new one. 
At this point, I have no way to access my own funds, and the bank has provided no evidence that the refund check was ever properly mailed. I have made multiple attempts to resolve this directly with the bank, but I keep receiving the same vague response without any real solution.

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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I am filing a complaint against Synchrony Bank regarding a deferred interest charge that I believe was unfair and not clearly disclosed. 

I opened a promotional financing account offering 0 % interest. I believed the promotion was XXXX  months, but it was actually XXXX months. When the promotion ended in XX/XX/year>, Synchrony retroactively added over {$1000.00} in interest at an APR over 32 % on a balance of about {$2700.00}.

I made every payment on time and never missed a payment. Once I saw the charge, I paid the entire balance off in full. I contacted Synchrony and requested a goodwill adjustment or reversal since the misunderstanding was unintentional, I paid responsibly, and the interest amount is excessive. They refused. 

I am asking the CFPB to review this matter. Synchronys deferred-interest promotions are confusing, and many customers misunderstand the payoff terms. I am requesting that Synchrony issue a refund of the deferred interest or a partial adjustment as a fair resolution.

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 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit Management is reporting a XXXX XXXX credit card debt but failed to provide legally required validation under FDCPA 15 USC 1692g. They did not provide a bill of sale showing XXXX XXXX transferred or sold the account to MCM. They did not provide a chain of assignment, proof of ownership, or any legally sufficient documentation that they own or are authorized to collect this debt. 

Instead, they sent generic internal XXXX XXXXXXXX statements, which do not validate debt ownership. MCM also failed to provide itemized accounting validating the balance of {$9700.00}, including interest, fees, or post-charge-off calculations. They are attempting to collect and report an unverified amount. 

They are furnishing this account to XXXX XXXX XXXX  without first validating the debt, which violates both FDCPA and FCRA. I am requesting the CFPB investigate MCMs practices and require them to delete this unverified account from all credit bureaus if they can not provide full documentation as required by federal law.

Company response to consumer: Closed with explanation