vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
1. Formal Complaint to Equifax To Whom It May Concern, I am writing on behalf of XXXX XXXX XXXX ( SSN ending in XXXX ), for whom I serve as legal agent under a Durable Power of Attorney executed on XXXX XXXX XXXX XXXX has been medically incapacitated since XXXX XXXX due to carbon monoxide poisoning and has been receiving Social Security Disability benefits since XXXX XXXX.

Despite multiple legal notices and the submission of supporting documentation, Equifax continues to report unauthorized hard inquiries and accounts under XXXX XXXX XXXX name. These accounts and inquiries were initiated after XXXX XXXX XXXX became legally and medically incapacitated and are therefore invalid. 

This conduct constitutes violations of several federal and state laws : Federal Violations : Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681b Unlawful access to consumer reports- 15 U.S. Code 1681s-2 ( a ) Duty to furnish accurate information - 15 U.S. Code 1681i Duty to reinvestigate disputes - 15 U.S. Code 1681e ( b ) Failure to ensure maximum possible accuracy Equal Credit Opportunity Act ( ECOA ) 15 U.S. Code 1691 Americans with Disabilities Act ( ADA ) 42 U.S. Code 12182 Oregon State Law Violations : ORS 127.715 and 127.720 Failure to honor a valid Power of Attorney ORS 646.607 Unlawful trade practices creating confusion or deception regarding financial rights and obligations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: CO

Complaint narrative:
I have been attempting to have my Mohela, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) subprime private loans discharged since XX/XX/XXXX, for school misconduct on XXXXXXXX XXXX part. This also makes the private loans invalid under the FTC 1976 Holder Rule, as well. All of my federal loans were discharged due to XXXXXXXX XXXX XXXX misconduct, which is well documented and has been sustained in several civil courts and federal investigations. I have been trying to wokr with Mohela since XXXX to get the loans discharged, but the process is designed to be endless and without positive resolution. Mohela refuses to accept discharge of loans due to misconduct as evidence of misconduct, and willfully ignores the Holder rule. I have spent hundreds of hours dredging up paperwork for Mohela 's review, all of which has been ruled to be invalid evidence of any misconduct by either the school or XXXX XXXXMohela . 
I do not believe Mohela 's options to " discharge '' these loans are legitimate. The first denial I received offered no reasons, only the vague paragraph ' A variety of factors are considered in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. ' This seems odd, considering I met the threshold for discharge of my entire federal student loan balance. 
I do not believe that Mohela has a real program to discharge the loans. I think they continue to wrangle borrowers into forbearance, which boosts their interest income, while promising help in securing discharges. The borrower then spends months trying to locate proof and paperwork, often at personal expense ( I had to pay for a Social Security statement ), which will have zero effect on the outcome because it has already been pre-determined to be a denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: NY

Complaint narrative:
I would like these account to be remove from my credit report so my credit report can update accurately Accounts XXXX XXXX Inquire XXXX XXXX I am writing to have the following information remove from my credit report. the item that i need deleted are going to be attached in the word document. I am a victim of identity theft. I have multiple accounts and inquiries that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section 605b of the fair credit reporting act.

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 2025-12-27 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Consumer Financial Protection Bureau Complaint I am submitting this complaint against Comenity Capital Bank regarding an improper denial of a credit card dispute for services not rendered. 

Account Information : Issuer : Comenity Capital Bank ( XXXX XXXX XXXX XXXX XXXX ) Account ending : XXXX Disputed charge : {$1000.00} Merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transaction date : XXXX XXXX XXXX Summary of Complaint : I purchased airline tickets from XXXX XXXX XXXX for future travel. Before the services were provided, XXXX  XXXX XXXX entered liquidation on XXXX XXXX XXXX. As a result, the flights were never provided, and I was forced to purchase replacement airfare at additional cost. 

I filed a timely dispute with Comenity Capital Bank for services not rendered. Despite clear documentation that the merchant entered bankruptcy and could not provide the purchased services, Comenity denied my dispute on XXXX XXXX XXXX  stating that the charge was valid. 

The denial was based on a procedural technicality, asserting that I must attempt recovery through the Icelandic bankruptcy liquidator before a chargeback can be honored. This is unreasonable and contrary to Visa dispute rules, which allow chargebacks when services are not rendered due to merchant insolvency, particularly when recovery through liquidation is speculative, impractical, and unlikely. 

The trustee letter provided confirms that consumers must file unsecured claims in a foreign bankruptcy estate with no guarantee of recovery. This does not constitute a reasonable avenue of resolution. Comenity failed to properly advocate on my behalf and improperly closed the dispute.

Additionally, Comenity allowed interest to accrue on this disputed charge, further compounding the financial harm. 

Requested Resolution : Immediate reversal of the {$1000.00} charge Reimbursement or waiver of all interest and fees associated with this charge Correction of Comenitys dispute handling and reconsideration under Visa services not rendered / merchant bankruptcy provisions I am requesting CFPB assistance to ensure compliance with federal consumer protection standards and proper application of card network dispute rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: NY

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/year>, my Chime Credit Card account was targeted by unauthorized transactions totaling {$5900.00} from a merchant named XXXX XXXX. I discovered these charges while they were still pending and immediately notified Chime via phone within 4 hours of discovery to report the fraud and cancel my card. 

On XX/XX/year>, I sent a formal written dispute letter citing my rights under Regulation Z ( 12 C.F.R. 1026.13 ) and the Fair Credit Billing Act. On that same day, Chime issued a summary denial of my claim ( ID : XXXX ) stating " no billing error occurred '' without providing any supporting evidence or investigative findings. 

Chime has failed to conduct a " reasonable investigation '' as required by law. They have ignored my report that these charges were made without my authorization and that I notified them before the charges even posted. Furthermore, they are demanding payment of the fraudulent amount by XX/XX/year>, which violates the billing error resolution protections that allow a consumer to withhold payment of disputed amounts during an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: SC

Complaint narrative:
I withdrew money from my cashapp account today. It showed an " instant transfer '' button which I tapped because I thought it would give me the option to choose a standard transfer. Instead, it instantly processed the transfer and added an instant transfer fee immediately. There wasn't a confirmation or any pop up acknowledging this. I find this to be very deceiving because I did not need to instantly transfer this money. I contacted support and XXXX from the cash app support team provided answers to questions I never asked. He declined to refund the fee and told me I could not disable instant transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX  & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-12-27 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: IA

Complaint narrative:
After checking my credit report I noticed a wave of fraudulent activity reporting on my report these accounts are harming to my file moving for and according to the XXXX I have the legal right to dispute and remove these items.

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 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: OK

Complaint narrative:
I am filing a formal complaint against UNIFIN Inc., which is now attempting to collect and potentially report a debt that is being disputed as to date with XXXX XXXX XXXX. This same account was deleted from my TransUnion credit report due to lack of verification on XX/XX/year> and remains unvalidated to this day. 

XXXX XXXX XXXX failed to respond with proper validation and I still haven't received no documentation or contract proving XXXX XXXX XXXX or UNIFIN has the legal right to collect on or report this debt. 

I never gave UNIFIN written permission to communicate with me, to collect, or to furnish any information to consumer reporting agencies. This collection attempt appears to be a re-aged, reassigned, and unvalidated tradeline with no legal chain of custody. 

I am demanding that the CFPB investigate this account, confirm whether UNIFIN has any legal basis to collect, and require the immediate cessation of collection activity and permanent deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On Wednesday, XX/XX/XXXX, I attempted to visit my bank in person, but the branch was closed. That same day, I opened a checking account in order to transfer funds from my savings account. When I attempted to access my money, the ATM would not allow the transfer. I then attempted to use XXXX, which triggered a fraud-related error message and blocked the transaction. 
Because it was XXXX XXXX, I waited until Friday, XX/XX/XXXX, to go to a branch. The bank was listed as open until XXXXXXXX XXXX and I arrived around XXXX XXXX ; however, the branch was closed with no signage or notice explaining the closure. 
I contacted customer service multiple times. On Wednesday, I was advised to attempt transferring smaller amounts. On Friday, another representative stated they were unsure why the issue was occurring. Later that day, I was briefly able to transfer small amounts successfully. 
Today, I again attempted to access my funds. I was only able to transfer {$25.00} before the system flagged the transaction as fraud again. I contacted customer service and was told there was nothing that could be done. I then spoke with a manager, Employee ID # XXXX, who also stated there was nothing they could do and advised me to wait several more days. 
Despite verifying my identity and being a long-term customer, I was refused escalation to a fraud specialist and denied a clear explanation or resolution. I have been unable to reasonably access my own funds for several days due to repeated system errors and lack of assistance from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: IN

Complaint narrative:
After further review of my credit report I noticed a lot of fraudulent activity at the hands of the bureaus for reporting these accounts and also letting them be reinstated on, XXXX  account when they were deleted its fraudulent and I plan to take it to the fullest extent

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 2025-12-27 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-27 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: Unifin Inc.
State: CA

Complaint narrative:
It shows I owe a credit card with unit in or XXXX XXXX  in the amount of XXXX with the name XXXX XXXX but my name is XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Capital Services, LLC
State: IL

Complaint narrative:
XX/XX/year> called 2 times XX/XX/year> called 4 times refused to identify themselves. 
XX/XX/year> called 4 times refused to identify themselves. Got hostile and threatened me with violence. Would say " I can talk to you however I want I am assuming you are * my name * '' I never identified myself.

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 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
Subject Complaint Against Credence Resource Management Invalid Debt Collection ( {$550.00} ) I am filing a formal complaint regarding Credence Resource Managements attempt to collect an invalid debt of {$550.00} related to XXXX. 
Last XX/XX/XXXX, an XXXX  sales representative contacted me and stated that, as a long-term customer, I would receive an XXXX  as a XXXX gift and that I only needed to pay sales tax. After repeated sales pressure, I accepted the offer under the understanding that there would be no ongoing service charges. 
XXXX later charged recurring service fees without proper disclosure or my informed consent. The device was briefly activated, but ZERO data was ever used. I never benefited from any service. 
Upon discovering the unauthorized charges, I repeatedly contacted XXXX to stop the billing. When that failed, I attempted to return the XXXX. XXXX refused to accept the return and mailed the device back to me. The XXXX remains unused, in good condition, and stored in my home. 
Because the charges were unauthorized, I disputed them with my credit card issuer ( XXXX ), which stopped payment. Despite this, XXXX referred the alleged balance to Credence Resource Management. 
Credence claims it investigated the matter and is demanding payment, despite : XXXX data usage No informed consent to service fees My good-faith attempt to return the device XXXX refusal to accept the return An active dispute of the charges I have formally disputed this debt in writing with Credence and requested validation under the Fair Debt Collection Practices Act ( FDCPA ). The debt is invalid and unenforceable. 
I am requesting that CFPB require Credence Resource Management to : 1. Cease all collection activity related to this invalid debt 2. Not report this disputed debt to any credit bureau 3. Confirm in writing that the account is closed and no balance is owed This matter involves misleading sales practices, unauthorized billing, and improper debt collection. 
Thank you for your help XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
During the pandemic student loans were suppose to be given to anyone in XXXX which I was and none of my debt was forgiven or cleared. Reached out a few times to help resolve this matter and got ignored. I held a license and still do and nothing has ever been done in regard to my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief