vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC
State: MD

Complaint narrative:
Repeatedly contacted during my work day. After sending them to voicemail multiple times, I answered to requested a validation letter only to be met with expletives. How are they in business?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
I am writing to request an evaluation of my circumstances for potential inclusion in a class action lawsuit involving MOHELA ( Missouri Higher Education Loan Authority ) and any related loan-servicing entities, including XXXX. 

I originally entered into student loan agreements serviced by XXXX. At no point did I authorize or sign a contract consenting to the transfer of my loans to MOHELA. Nevertheless, my loans were transferred, and MOHELA subsequently assumed servicing responsibilities without my knowledge or consent. 

Since that transfer, MOHELA has repeatedly refused to provide or process eligibility for federal loan-forgiveness programs for which I believe I qualify. Despite over a decade of consistent repayment, my loan balance has remained essentially unchanged, creating significant financial burden and emotional distress. 

Additionally, I graduated from XXXX XXXX XXXX  an institution that has been identified on lists of predatory or high-risk schools. This raises further concerns about the validity of the underlying loan practices and whether borrowers from such institutions have been disproportionately harmed by servicer misconduct, mismanagement, or failure to comply with federal regulations. 

Given these circumstances, I believe there may be grounds for legal action on the basis of improper loan servicing, denial of statutory borrower benefits, and potentially deceptive or unfair practices. I would appreciate the opportunity to discuss whether my experience aligns with ongoing or potential class action litigation, and what documentation you may need to evaluate my case. 

Thank you for your time and consideration. I look forward to your guidance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
CFPB Complaint Draft XXXX  What Happened XXXX devices under my XXXX XXXX  continue to display unauthorized and unexplained system behavior, and this poses both a privacy concern and a security concern. 
Today, after powering on my XXXX and simply connecting a new mouse, XXXX force-opened XXXX separate times without my permission. I did not initiate a call, click the app, use a hotkey, or give any input that would trigger XXXX. This happened immediately after startup, and it repeated even after I closed the app. 
This is not an isolated incident. 
Over the past several weeks, my XXXX XXXX  has shown : Forced toggles ( XXXX XXXX switching off, system settings changing without my input ). 
XXXX auto-launching on both XXXX and XXXX. 
XXXX sync issues, including important messages disappearing. 
Account identity conflicts caused by XXXX XXXX XXXX, even though Im using XXXX XXXX XXXX. 
Incorrect device linking and inconsistent trust verification. 
XXXX  support failing to provide answers, solutions, or proper escalation. 
These behaviors affect my privacy, limit the functionality of my devices, and interrupt my work. 
They also create confusion about unauthorized access or system-level faults that XXXX has not addressed. 
I have attempted to work through XXXX XXXX multiple times and have received no meaningful 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 2025-12-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
XXXX  XXXX XXXX has denied my fraud claim 3 times for very vague unsupported reasons. I have filed police report and contacted the bank the funds were transfered to ( chase ) but they are not willing to talk to me since it is not my account. Yet XXXX  XXXX XXXX says the money that was fraudulently transfered was into an account in my name.

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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: MA

Complaint narrative:
I called twice on XX/XX/XXXX to request written verification of a closed and charged-off Discover account ending in XXXX. Customer service informed me that Discover can not provide any letter and referred me to a law firm handling the account. The law firm stated they closed my file and no longer have authority or jurisdiction. 

Because Discover is the original furnisher of the account information to the credit bureaus, I need written verification of the information Discover furnished. I am requesting a simple verification letter confirming : The account is closed The account was charged off on its final reporting date There is no active past-due balance owed to Discover This is not a dispute or a request for payment. It is a verification request pursuant to Discovers responsibilities as an original furnisher under FCRA 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliphant United, Inc.
State: GA

Complaint narrative:
In XX/XX/year>, I mailed a written debt validation request to Oliphant USA LLC for XXXX alleged XXXX accounts they are reporting to XXXX. The company received my certified letter on XX/XX/year>. They did not provide any verification or documentation. 



Despite failing to validate the debt, Oliphant continued to report and update both tradelines. Because they did not provide the required validation, I mailed a second certified letter on XX/XX/year>. USPS tracking confirms they received this second letter on XX/XX/year>. 



As of today, they have not sent any response, validation, or documentation. One of their secondary addresses even returned the mail as undeliverable. I have made multiple attempts to request verification, and they continue reporting without validating the debt as required. 



I am requesting that this company cease reporting the unverified accounts and provide proper validation as required by the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
Data breach with loan servicer ( XXXX ) XXXX & Mohela. Servicer unable to locate my PSLF application submitted over XXXX year ago. I was never contacted regarding my application or the status of my loans; currently receiving negative marks on my credit report from loans reporting

Company response to consumer: Untimely response
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I bought some appliances from XXXX XXXX XXXX. I was offered a no interest loan for XXXX year if paid back on time. I accepted that and began making my payments immediately. XXXX months before the loan was due, I made the final payment. As the payment was not the monthly amount I had been making, I had to go into bill pay and set up a separate payment. I make payments through bill pay at XXXX XXXX XXXX XXXX, and for some reason whether myself, the bank, or the company, the payment did not go through. When I received a bill from the company showing a late payment fee and a request for payment I called XXXX, the credit card agency involved. I spoke to an agent, explained the situation. He offered to take the final payment of {$34.00} over the phone. I requested that the late fee be waived and he agreed. I asked if I needed a confirmation number and he said no, that the information was recorded in my account. I asked if the call was recorded and saved and he said that it was. He was very polite and professional. The following month, I received another bill showing a late payment fee for the XXXX payment. I called the company again and was told that the situation was taken care of. Again, I was assured that the situation was documented in my account and that a recorded call would be saved. Again, I was billed for the late fee. I called in again. I requested a confirmation number and was told there wasn't XXXX available, but it would be taken care of, I had no need to worry. Today I found out that not only was the situation not taken care of, but they had reported me to the credit agency, dropping my score by more than XXXX points. I immediately called in, explained I was frustrated, and requested the situation be fixed. The agent explained that the situation could not be fixed because my payment in XXXX had in fact been late. She stated there was no notations in my file that the fee was waived. I asked to speak to a supervisor and was connected to XXXX with a confirmation code of XXXX. She also stated that neither of the XXXX calls that I had previously made with a promise of a XXXX balance were documented in my account. I told her I wanted the phone calls reviewed. She assured me she would do that, but it would take about a week. I have little to faith at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-01 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Creditly Corp.
State: GA

Complaint narrative:
Credit Genie has been repeatedly withdrawing {$4.00} from my bank account without my authorization. I may have signed up once in the past but I have not used their service, and I did not authorize any recurring payments. These withdrawals happen whenever there is money in my account. 

On multiple occasions, including in XX/XX/year> and again recently, Credit Genie withdrew {$4.00} without my consent. I emailed the company requesting information, cancellation of my account, removal of my bank information, and refunds for the unauthorized charges. They did not provide the information I requested and they continued to take money from my account. 

I formally revoked authorization for them to debit my account under the Electronic Funds Transfer Act ( EFTA ), but they still withdrew money after this revocation. This is unauthorized and illegal. 

I want all unauthorized charges refunded, and I want the company to stop debiting my account permanently. I also want written confirmation that my account is canceled and my banking information has been removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XX/XX/XXXX, I selected 12 month deferred financing on a purchase of {$1600.00}. XX/XX/XXXX and XX/XX/XXXX, I noticed I was being chard a security fee in the amount of {$22.00} and {$25.00}, that I did NOT sign up for. I called, got it removed but they refused to reverse those charges In XX/XX/XXXX, I made additional non promotion purchases totaling {$480.00}. Making my total spend with Lowes {$2100.00}. In XXXX, I was contacted and told that my account had been closed. 

XXXX XXXX, I was charged interest in the amount of {$46.00}. 

I set up automatic payments in the amount of {$220.00} a month to ensure that my initial deferred balance would be paid time. 

As of XX/XX/XXXX, I had made payments totaling {$1900.00} ( leaving {$150.00} of original spend left ). 

On XX/XX/XXXX, Synchrony charged me {$460.00} deferred interest on my purchases. 

When I called to resolve this issue stating that the payments should have been applied to my initial purchase and interest charges first ( which totaled {$1600.00} - less than {$1900.00} XXXX paid by the deferred financing promotional date ) I was told that in order for to happen, I needed to call every month to tell them where to allocate the monies. Why would anyone set up automatic payments just to have to turn around and advise where the monies are to be applied. Any other loan, interest and initial principal is paid first. Both of which I did by the due date. 

Its obvious that Synchrony bank has a scam going on. Intentionally misleading the consumer. At no time during any phone calls with customer service was this mentioned. I was encouraged to set up automatic payments pay, which I did. The Bank is purposefully being deceitful. 

I want the charges removed from my account.

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 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-01 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: EQUIFAX, INC.
State: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief