vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: DISCOVER BANK
State: CO

Complaint narrative:
On XX/XX/year>, I paid {$2700.00} on my Discover card to a company called XXXX XXXX for a career services package that included resume and XXXX  rebuilding, coaching sessions, interview preparation, weekly updates, job applications submitted on my behalf, and a full 90-day guided job search campaign. 

Almost none of these contracted services were delivered. 

Over nearly a month, the only items I received were three draft documents ( resume, cover letter, XXXX ), all containing significant factual errors. The provider did not deliver any coaching sessions, interview preparation, strategy calls, job applications, recruiter outreach, weekly progress updates, or any part of the 90-day job search campaign. These services are clearly listed in the contract and package description but never occurred. 

The provider also missed multiple promised deadlines, including a stated 5-day turnaround, and advised me to delay applying to a time-sensitive job posting because the documents would be completed in time. That deadline was missed, and I lost the opportunity to apply.

When I raised concerns and requested a refund for the many undelivered services, the merchant refused. 

I filed a dispute with Discover, providing documentation showing that the majority of the contracted work was not performed. Discover denied the dispute, stating that the merchant submitted proof of service, even though the only items provided were draft documents that do not reflect fulfillment of the service package. 

I requested clarification from Discover about how they determined the merchant fulfilled the contract and why my evidence of nondelivery was not considered, but I did not receive a meaningful explanation. 

I am seeking CFPB assistance because I paid for services that were largely not delivered, and the credit card issuer did not resolve the dispute appropriately despite clear evidence of nondelivery. 

I can provide the contract, package description, the draft documents, all email communication, and Discovers dispute response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: VA

Complaint narrative:
On XX/XX/XXXX I reached out to the student loan portal. I was concerned about my balance since DOGE compromised my information. When I looked, it did not provide my XXXX  so I could view it. They said I would receive an a response by XX/XX/XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: OH

Complaint narrative:
Debt Validation Complaint Letter ( CFPB ) Date : XX/XX/2025 Your Name : XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXX, OH XXXX Creditor Name : Kikoff Lending , LLC Address : XXXX XXXX XXXX XXXX, NV XXXX Phone Number : XXXX Re : Request for Debt Validation Account Number ( Partial ) : XXXX Claimed Amount : {$500.00} -- - To Whom It May Concern, I am submitting this complaint to formally dispute and request validation of the above-referenced debt that Kikoff Lending , LLC claims I owe. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and all applicable federal consumer protection laws. 

Please provide complete documentation validating this alleged debt, including but not limited to : 1. The exact amount of the debt, including an itemized breakdown of principal, interest, fees, and any other charges.

2. The name of the original creditor, if different from Kikoff Lending , LLC, and the date the debt was incurred.

3. Copies of any contracts, agreements, or applications bearing my signature that establish my legal obligation to repay this debt.

4. Proof that Kikoff Lending , LLC is legally authorized to collect or service this debt.

5. A complete payment history, including all charges, credits, and adjustments. 



Until this information is provided, I request that all collection activity cease, including any reporting, verification, or furnishing of this account to any credit reporting agency. If this account has already been reported, it must be marked as disputed. 

If Kikoff Lending , LLC is unable to provide proper validation within 30 days, I request that the account be closed and removed from my credit reports, and that no further collection activity occur. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My credit report as two inquiries that was not performed by me. I did not apply to XXXX XXXX XXXX XXXX or XXXX XXXX XXXX

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 2025-12-18 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: UT

Complaint narrative:
I am submitting this as my third formal dispute regarding multiple inaccuracies appearing on my Equifax, Experian and TransUnion credit report. Despite my prior disputes and the documentation I have provided, these errors remain uncorrected. The continued reporting of inaccurate information is causing ongoing harm to my creditworthiness, financial opportunities, and personal reputation. I am extremely frustrated by the repeated failures to address these issues and demand immediate, comprehensive correction and updating of all inaccurate information in full compliance with the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ), 611 ( 15 U.S.C. 1681i ), 623 ( a ) ( 2 ), and 605 ( a ). 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-12-18 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: CA

Complaint narrative:
I am filing this complaint against Equifax for repeated violations of the Fair Credit Reporting Act ( FCRA ) after its continued failure to correct inaccurate, duplicate, and internally contradictory credit reporting, despite receiving my prior written disputes. I previously disputed these errors in writing on XX/XX/2025, and again through a Second Notice dated XX/XX/2025. Equifax has failed to conduct a lawful reinvestigation and continues to publish materially misleading information on my credit file. 

Specifically, Equifax is reporting multiple duplicate tradelines for the same XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  under different account numbers, each containing conflicting dispute remarks, inconsistent payment history percentages, and contradictory account data. These tradelines simultaneously reflect statuses such as Dispute Resolved Subscriber Disagrees, Consumer Disputes After Resolution, and Information Disputed by Consumer, while also claiming the accounts are In Good Standing with no past-due balance. Reporting the same mortgage obligation multiple times with conflicting data is inherently inaccurate and violates Equifaxs duty to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ).

If Equifax claims it has verified these accounts, it must be able to identify which single tradeline is accurate and explain how multiple conflicting versions of the same obligation can lawfully coexist. Equifax has failed to provide any meaningful explanation, documentation, or method of verification as required by federal law. The continued presence of these inaccuracies has caused ongoing harm to my credit profile and demonstrates a systemic failure to conduct a reasonable reinvestigation.

Equifax has been given multiple opportunities to correct these errors and bring my credit file into compliance. Its continued inaction and inaccurate reporting reflect willful noncompliance with the FCRA and leave me no alternative but to seek regulatory intervention. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I sent a domestic XXXX payment through Bank of America on XX/XX/year>. 
The transaction has remained stuck in Processing, and the funds have not been released to the recipient or reversed back to my account.

Bank of America customer service representatives stated that the delay was related to an XXXX compliance review, but no clear explanation or resolution was provided. 

On XX/XX/year>, I filed a dispute with Bank of America regarding this transaction because the transfer remained unresolved. 

On XX/XX/year>, I contacted Bank of Americas Sanctions/Compliance Department . During that call, I was asked detailed questions regarding the purpose of the payment and was informed that a decision would be made within 72 business hours. 

More than 72 business hours have now passed, and Bank of America has not provided any update or decision. The funds remain unavailable, and the transaction is still unresolved. 

I am requesting a final resolution by either releasing the funds to the recipient or reversing the payment back to my account, as the delay has exceeded a reasonable timeframe.

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 2025-12-18 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: NV

Complaint narrative:
am disputing an account on my Experian credit report that I believe is inaccurate and unverifiable. I previously filed a dispute directly with Experian and submitted a supplemental dispute letter requesting verification, but the account remains on my report without sufficient evidence that it is valid. I am submitting this complaint to request federal review to ensure my credit report reflects only accurate and verifiable information.

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 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Complaint Statement XXXX XXXX XXXX XXXX My name is XXXX XXXX. I am submitting this complaint regarding inaccurate and disputed debt reporting related to XXXX and a third-party collection agency, XXXX XXXX XXXX 

XXXX reported a bill on my credit report that I believed to be inaccurate. In response, I sent XXXX a certified letter disputing the debt and requesting validation. XXXX never responded to my certified dispute letter. 

Despite my dispute and lack of response, the account was later sent to collections. I then received a collection notice from XXXX XXXX, which claims that I owe {$900.00}. However, XXXX states that the amount owed is {$760.00}, which directly contradicts the amount XXXX XXXX is attempting to collect. 

This discrepancy raises serious concerns about the accuracy of the debt. Additionally : XXXX failed to respond to my certified dispute letter. 

The debt was transferred to collections without proper validation. 

The collection agency is reporting a higher balance than the original creditor. 

I have not received proper verification of the debt from XXXX XXXX.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The account was cleared in full, but late payment entries remain on the 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 2025-12-18 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: TX

Complaint narrative:
I deny ownership of these accounts and request deletion within 15 days in accordance with federal law.

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
My wallet and phone was stolen to make unauthorized transactions so I filed a police report and filed a dispute with chime bank. After the disputes I received a email stating my dispute arent eligible for provisional credit because the unauthorized transactions happened on credit builder card. I only have one card they send me and its connected to my checking account. I never even signed up for credit builder, but still its an unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: WA

Complaint narrative:
b'I am submitting this follow-up regarding a dispute I previously filed concerning multiple inaccurate, inconsistent, and unverifiable items appearing on my Experian, Equifax, and TransUnion credit reports. Despite providing supporting documentation and requesting a reinvestigation, these items remain on my credit file without proper verification or correction. The continued reporting of these errors misrepresents my actual payment history, misattributes accounts, and is causing measurable harm to my credit profile and financial standing.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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe continued reporting of these inaccuracies violates the Fair Credit Reporting Act (FCRA)  607(b), 609(a), 611(a), and 623(a)(1)(A), consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation of any disputed information. Additionally, 15 U.S.C. 1681e(b) mandates that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. The continued presence of unverifiable or inaccurate items constitutes a violation of these federal requirements'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: WA

Complaint narrative:
b'I am submitting this follow-up regarding a dispute I previously filed concerning multiple inaccurate, inconsistent, and unverifiable items appearing on my Experian, Equifax, and TransUnion credit reports. Despite providing supporting documentation and requesting a reinvestigation, these items remain on my credit file without proper verification or correction. The continued reporting of these errors misrepresents my actual payment history, misattributes accounts, and is causing measurable harm to my credit profile and financial standing.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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe continued reporting of these inaccuracies violates the Fair Credit Reporting Act (FCRA)  607(b), 609(a), 611(a), and 623(a)(1)(A), consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation of any disputed information. Additionally, 15 U.S.C. 1681e(b) mandates that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. The continued presence of unverifiable or inaccurate items constitutes a violation of these federal requirements'

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 2025-12-18 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report FTC REPORT NUMBER : 1XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Listed below are the Collection Information that are being challenged : 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 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  Listed below are the Inquieres Information that are being challenged : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 
I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: WA

Complaint narrative:
I bank with chime and they are flagging transactions i was trying to make as fraud and now they wont release my money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: Kriya Capital, LLC
State: AZ

Complaint narrative:
XX/XX/year>XXXX  {$1200.00} CREDENCE RM REMOVE ASAP REMOVE ASAP REMOVE ASAP PLEASE PLEASE Account details Account number XXXX Date opened XX/XX/year>XXXX  Last activity XX/XX/year>XXXX  Original creditor XXXX XXXX XXXX XXXX payment {$0.00} Term source type Current rating Collection/Charge-off Status Open Type Individual High balance {$1200.00} Unpaid balance {$1200.00} Highest adverse rating Collection/Charge-off Most recent adverse rating Collection/Charge-off Comments Dispute Resolved Reported By Grantor Account details No history is available Collection agency CREDENCE RM Account ID : XXXX This account is fraudulent this is not me never had a t and t where was this transaction my identity was stolen and was reported. I only have cell service with XXXXXXXX XXXX. This collection is hurting my credit i need this off my credit. THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: TN

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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