vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
This letter is a formal notice to demand that you cease and desist all collection activities related to the above-referenced account pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ).

As of the date of this letter, I am invoking my rights under the FDCPA and directing you to immediately cease all communications with me regarding this alleged debt, including phone calls, letters, emails, or any other form of contact. This includes any attempts to validate or verify the debt, unless it is solely for the purpose of notifying me of legal action you intend to take.

Furthermore, I am demanding the immediate removal of this account ( Account # XXXX * * * * ) from all consumer credit reporting agencies ( XXXX XXXX XXXX XXXX ). Commenity BankXXXX XXXX XXXX has failed to provide adequate documentation to validate the debt or prove its legal right to collect or report this account. 
This letter serves as a notice of dispute under 15 U.S.C. 1692e ( 8 ), which prohibits the communication of credit information known ( or which should be known ) to be false, including the failure to report a debt as disputed. Continued reporting of this account without proper validation and in the absence of legal right to collect constitutes a willful violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

If XXXX XXXX XXXX continues to report this account to any credit bureau after receipt of this notice, it will be considered continued collection activity in violation of federal law, and I will not hesitate to pursue formal complaints with the CFPB, the FTC, my state attorney general, and/or pursue legal action under FDCPA and FCRA statutes. 

You are hereby instructed to : XXXX. Cease and desist all communications with me regarding this account ; XXXX. Immediately remove the account from all three major credit reporting agencies ; XXXX. Provide written confirmation within 15 days that the account has been deleted and that no further collection efforts will be made. 

Failure to comply with these requests will result in formal legal action and regulatory complaints. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
on XX/XX/XXXX, I received a notifications within XXXX days that my current phone number and email address has been changed and updated to something that I never authorize or did myself. When finding out about this, I immediately called Sofi bank and I told them about this I changed it back to my original email address, which is the XXXX associated with this CFPB XXXX ( XXXX ) and disputed XXXX transactions that were made unauthorized totaling about {$1500.00}. Ive been patiently waiting and following up with to see if I can get provisional credit which they claimed I will be eligible for credit after 10 days if no resolution has been solved my theory here is that they are restricting and closing my account because of me giving them bad surveys because today is the tough day where theyre supposed to give me credit and they have not given me credit and they turn around and restrict my account and say its pending for closure. when I asked them what the reason is for this closure, they said we realize that your account activity does does not follow with our terms and agreements and when I asked about the terms and agreement, they say you can go look it up yourself and they are not telling me why they are closing the accounts, even though the investigation that that is currently open is being investigated with because my account was taken over so it was not me that was doing these activities and I still dont know why theyre closing it. This is spiteful, revengeful obvious behavior because Ive back to back. Repetitively gave them bad surveys because they are

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit report shows late payment entries that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, all information included must be accurate, complete, and verifiable. I am requesting verification of these late payments, and if they can not be substantiated, they should be corrected or deleted from my 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 2025-10-06 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: UT

Complaint narrative:
I am writing to file a formal complaint against MOHELA, my federal student loan servicer, for obstructing my progress toward Public Service Loan Forgiveness ( PSLF ) through delays and mismanagement of my Income-Driven Repayment ( XXXX ) plan. 

I currently have XXXX out of XXXX qualifying payments toward XXXX. In spring XXXX, I submitted an XXXX request to move away from the XXXX repayment plan to a new XXXX plan, which MOHELA processed on XX/XX/XXXX, confirming a new monthly payment of {$560.00}. However, this updated payment amount was never reflected on my account, and I remained in forbearance, unable to make qualifying payments. When I spoke with a MOHELA rep in XXXX, they said they could see the {$560.00} on my account. Instead, what my account showed on my end was a payment amount of {$120.00}, which was my old XXXX plan from XXXX. I paid it anyway, but because XXXX is not a qualifying plan for XXXX, it did not count. I contacted MOHELA at the end of XXXX, and was told it would take 90 days to fix. It is now XX/XX/XXXX, and the issue remains unresolved. 

To expedite resolution, I uploaded documentation of my approved XXXX plan in XXXX, but MOHELA still failed to act. Last week, my account indicated that forbearance would end XX/XX/XXXX, yet I also received notice that payments would resume in XX/XX/XXXX at the incorrect amount of {$120.00}. 

I spoke with MOHELA today ( XX/XX/XXXX ) and they said that they saw my XXXX request and the new payment amount, but that it would take another 90 days to process my request. 

Had MOHELA correctly implemented my XXXX plan in XXXX, I could have made my final XXXX qualifying payments ( XXXX ), applied for XXXX in XXXX, and received forgiveness this month. Instead, Ive been stuck in forbearance for over a year, unable to progress, despite being ready and eager to pay. 

I believe MOHELA is intentionally delaying and obstructing my XXXX eligibility. I have made dozens of calls, sent emails and faxes, contacted state and federal legislators, and I am now at the end of my rope. Ive even had to decline job opportunities outside the public sector because my loan forgiveness has not been processed. 

My Request : Immediate removal from forbearance ( not XX/XX/XXXX ). 
Immediate implementation of my approved {$560.00} IDR payment. 
Confirmation that payments made starting this month will count toward XXXX. 

This delay is not only unjust but also harmful. I have had numerous job opportunities outside the public sector that I have been forced to decline because my loan forgiveness has not been processed. I respectfully request your office investigate MOHELAs handling of my case and take appropriate action to ensure they correct this error immediately. 
Thank you for your time and consideration.

Company response to consumer: In progress
Consumer complaint received 2025-10-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXXI Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXXXXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * XXX, Date Opened : XX/XX/XXXX, Balance : {$37000.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * XXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * * XXX, Date Opened : XX/XX/XXXX, Balance : {$7600.00}

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 2025-10-06 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: PA

Complaint narrative:
On XX/XX/year> I called chimed and filed a dispute for {$1000.00} dollars that was removed from my account by unauthorized transaction. Dispute # is XXXX. I than contacted the merchant via email and sent all that too chime via screen shots. After that day I heard nothing from chime so I called on XXXX XX/XX/year> to ask the status. I was told nothing yet but that I will get a credit on the XXXX business day. So I waited and reached out by phone again on XX/XX/year> too ask about the investigation and credit. I was advised that an XXXX put in my file that the credit would not be applied until the XXXX th of XXXX. I asked too speak too a supervisor where I stated too them that chime policy is that if a dispute is not settled in 10 days a credit must be applied. She than stated there saying XXXX for my issue which would be a new account policy. Chimes rules are a new account is defined as an account thats first transaction was less than 30 days from the dispute date. I explained too her that my account is over 90 days old and I do not fall into that rule bracket. Also I explained that a new account is a account thats been open under 30 days according too regulation XXXX of the federal laws that govern financial institutions. After review she agreed with me that I should receive the credit on the XXXX of XXXX. I ask if she could have this fixed and she stated no its on the investigations dept too fix and they do not have contact with them. On XXXX of XXXX I called back speaking too another dispute supervisor explaining all this who again agreed I should of got the credit that day but there was no way too get investigation dept on the line. I than explained why is it that the investigation team is going against chime rules and regulations and federal laws dealing with this issue and there is no way for anybody too get ahold of them too fix this mistake. That was all that was said. I have of date received no emails from chime dealing with this money being returned too me. Last email was on the XXXX th of XXXX stating my account will be closed in 30 days. But the investigation could take 90 days. It makes no sense too me. I feel that chime is taking advantage of this situation and that they are violating there own terms with no way too contact the dept doing it. All I want is my money returned too me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Collection accounts appear on my credit report that I believe XXXX be inaccurate. Under my rights provided by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is both accurate and verifiable. I am requesting that these accounts be reviewed, and if they can not be properly verified, they should be deleted from my 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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
Between XX/XX/year>, present. I filed XXXX disputes with PayPal for unauthorized transactions. 
Most of these were charges to gambling or casino-type merchants ( including XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX and XXXX ). 

I did not authorize any of these transactions and have no history of gambling purchases. 

PayPal refunded several small-dollar transactions ( {$4.00} and under ) and issued provisional credits for a few larger ones, confirming that they recognized unauthorized activity. However, they denied the majority of identical transactions from the same merchants and dates, using template reasons such as matches your authorized spending activity or consistent with payment history. 

Over multiple calls with PayPal representatives including a XXXX on Friday, XX/XX/year> I was told repeatedly that PayPal can not treat identical transactions differently and that all cases would be refunded by Monday, XX/XX/year>. 
I confirmed this several times on that call. 
On Monday, a different representative stated that all cases were denied, contradicting the specialists assurance. 

I have kept a call log with dates and times. PayPal has recordings of all these calls. I also asked PayPal to provide documentation showing how they determined which transactions were authorized and which were not. They have not provided this. 

This inconsistent handling violates Regulation XXXX ( XXXX XXXX XXXX ), which requires good-faith, consistent treatment of related unauthorized activity and provisional credit for all amounts during extended investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX is inaccurately furnishing information to credit bureaus regarding a vehicle loan that was repossessed. 

The reporting is inconsistent and misleading across TransUnion, Experian, and Equifax. Specific discrepancies include : - The account is reported as both a charge-off and repossession, but no clear repossession code ( RF ) is shown. 

- The dates of last activity differ between bureaus ( XX/XX/XXXX XX/XX/XXXX ). 
- The balance of {$10000.00} is inaccurate and contradicts remarks stating the vehicle was taken back by the credit grantor. 
- The creditor type varies between Auto Financing and Personal Loan Companies. 
- No dispute notation was added, which violates FCRA 1681s-2 ( a ) ( 3 ).

I request that the Consumer Financial Protection Bureau ( CFPB ) ensure XXXX XXXX XXXX provides verified, consistent, and accurate reporting to all credit bureaus. If verification can not be provided, I request deletion of the erroneous tradeline under FCRA 1681i.

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 2025-10-06 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 is inaccurately furnishing information to credit bureaus regarding a vehicle loan that was repossessed. 

The reporting is inconsistent and misleading across TransUnion, Experian, and Equifax. Specific discrepancies include : - The account is reported as both a charge-off and repossession, but no clear repossession code ( RF ) is shown. 

- The dates of last activity differ between bureaus ( XX/XX/XXXX XX/XX/XXXX ). 
- The balance of {$10000.00} is inaccurate and contradicts remarks stating the vehicle was taken back by the credit grantor. 
- The creditor type varies between Auto Financing and Personal Loan Companies. 
- No dispute notation was added, which violates FCRA 1681s-2 ( a ) ( 3 ).

I request that the Consumer Financial Protection Bureau ( CFPB ) ensure XXXX XXXX XXXX provides verified, consistent, and accurate reporting to all credit bureaus. If verification can not be provided, I request deletion of the erroneous tradeline under FCRA 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: TX

Complaint narrative:
My Cash app account was closed because they said there were suspicious activity on my account that didnt go with the rules of app. The problem I have is I never use it for gambling or any illegal activity I only use it to receive send or pay for items on a websites and thats it. I dont gamble. I asked them to check my history and tell me where the suspicious activity happened but they never would. Ive been trying to see why I havent gotten an email from them. Ive appealed this months ago with no resolution. I just want to know why and its possible that my account was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Client Services, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding a disturbing experience with a representative from [ Insert Agency Name, if known ] who contacted me regarding my ex-husband 's debt. I am not associated with this debt and called back to request removal of my number from their contact list.

The representative was immediately rude.

When I expressed confusion about what she said, she told me I " sounded stupid, '' yelled at me, and then hung up. I attempted to call back multiple times, but the call would go silent or drop after hold music. I finally called from another phone and requested to speak to a manager but was told I could not. 
I am on the National Do Not Call Registry. 
The original call came via a robocaller ( XXXX ), and I was insulted when I tried to assert my rights. This is unprofessional, disrespectful, and possibly unlawful. 
I am on the National Do Not Call Registry. 
The original call came via a robocaller ( XXXX ), and I was insulted when I tried to assert my rights. This is unprofessional, disrespectful, and possibly unlawful. 
I request that my number be permanently removed, that appropriate disciplinary actions are taken, and that the agency be held accountable for this behavior. 
Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: PA

Complaint narrative:
Iam writing to address an issue I recently discovered upon reviewing my credit report. 
It has come to my attention that a creditor has made an inquiry into my credit report without my authorization, resulting in a decrease in my credit score. 
I am concerned about the legality of this action. As far as I am aware, creditors are not permitted to pull a credit report without proper authorization from the individual. If this is indeed the case, I requesti that you promptly remove this unauthorized inquiry from my credit 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 non-monetary relief
Consumer complaint received 2025-10-06 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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