vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have an account with Dell XXXX that is administered by Comenity Bank. My account has always been in good standing and presently has a XXXX balance. Upon attempting to use my open account to make a new purchase of a computer, the following requirement is made as a condition to proceeding with my purchase. It reads : " You authorize your wireless carrier to use or disclose information about your wireless account and your wireless device, if available, to Comenity Capital Bank or its service provider for the duration of your business relationship, solely to help them identify you or your wireless device and to prevent fraud. Review our Privacy Policy for how we treat your data. '' Contact was made to Comenity Bank, first advising them that I do not have a cellular phone number listed on my account and secondly, expressing dismay at the level of privacy intrusion that Comenity Bank was forcing its account holders to accept. Upon contacting Comenity Bank, they advise that since ( many years ago ), I submitted a cease and desist notification ( due to endless marketing and promotion calls ), that this would hinder me from making use of my credit card account for new purchases, as it would hinder their bank from making collection attempts in the future. In essence, they will not allow me to use my fully paid account for new purchases. 

I firmly believe that this is a violation of consumer laws and request an official review of these intrusive and restrictive requirements by Comenity Bank. Further, I do not believe that I should be forced to agree to have my cellular service provider inform this bank about any matters pertaining to my cell phone account, device or otherwise. Please review these actions that I believe are illegal and pursue any disciplinary actions that may be appropriate. I consider this to be a formal complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX  # XXXX Application : XXXX XXXX XXXX XXXX, XXXX, TX Term ID : XXXX I tried cash withdrawal ( {$1000.00} ) with my XXXX  XXXX. But with error, the receipt said " we aren't able to give cash right now. '' The error code is XXXX. I first visited the bank and they told I will get refunded soon from the system but nothing happened. I also called them, but they told me they can't do anything because it's not the chase account. They even didn't try to understand the error code or the reason, just told me I can contact my own bank ( XXXX XXXX  in XXXX XXXX ) and make lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Law 15 USC 1681i ( a ) ( 5 ) ( A ) states that they have to send original documents with my live signature showing I am financial obligated to pay Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The details of the grant are as follows : Program Type : Direct Subsidized Institution : XXXX of XXXX University XXXX ID : XXXX Enrollment Period : XX/XX/XXXX XX/XX/XXXX Grant Funded Amount : {$3500.00} Incorrectly Reported Balance : {$3800.00} Issue : Showing as a loan with interest due This amount was awarded as a grant, not a loan, and therefore should not be reported as an outstanding balance or accrue interest. The current reporting is inaccurate and misleading, and it appears on all three major credit bureausXXXX, XXXX, and XXXX well as within the XXXX system. 
I respectfully request that this item be corrected to reflect a {$0.00} balance, and that any associated interest or repayment obligations be removed. Please ensure that the corrected information is updated across all relevant systems and credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The details of the grant are as follows : Program Type : Direct Subsidized Institution : XXXX of XXXX University XXXX ID : XXXX Enrollment Period : XX/XX/XXXX XX/XX/XXXX Grant Funded Amount : {$3500.00} Incorrectly Reported Balance : {$3800.00} Issue : Showing as a loan with interest due This amount was awarded as a grant, not a loan, and therefore should not be reported as an outstanding balance or accrue interest. The current reporting is inaccurate and misleading, and it appears on all three major credit bureausXXXX, XXXX, and XXXX well as within the XXXX system. 
I respectfully request that this item be corrected to reflect a {$0.00} balance, and that any associated interest or repayment obligations be removed. Please ensure that the corrected information is updated across all relevant systems and credit reporting agencies.

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 2025-08-03 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: TN

Complaint narrative:
The details of the grant are as follows : Program Type : Direct Subsidized Institution : XXXX of XXXX University XXXX ID : XXXX Enrollment Period : XX/XX/XXXX XX/XX/XXXX Grant Funded Amount : {$3500.00} Incorrectly Reported Balance : {$3800.00} Issue : Showing as a loan with interest due This amount was awarded as a grant, not a loan, and therefore should not be reported as an outstanding balance or accrue interest. The current reporting is inaccurate and misleading, and it appears on all three major credit bureausXXXX, XXXX, and XXXX well as within the XXXX system. 
I respectfully request that this item be corrected to reflect a {$0.00} balance, and that any associated interest or repayment obligations be removed. Please ensure that the corrected information is updated across all relevant systems and credit reporting agencies.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing a complaint against Experian, Equifax and Transunion regarding a XXXX Bank credit card account ending in XXXX. I have paid off this account in full. Please have them update the balance on 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 explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: OH

Complaint narrative:
b'**Subject:** Complaint Regarding Mishandling of FHA Mortgage Modification and Unlawful Foreclosure Attempts by Seline Finance\n\n**To Whom It May Concern,**\n\nI am writing to file a formal complaint against **Seline Finance** concerning their mismanagement of my FHA mortgage modification application and their unlawful attempt to initiate foreclosure proceedings on my home.\n\nI applied for a mortgage modification under the FHA guidelines and fully complied with all documentation and procedural requirements within the designated timeframe. Despite fulfilling all the obligationsincluding the submission of a complete loss mitigation package and timely completion of the trial paymentsSeline Finance has failed to process my application in a timely and lawful manner.\n\nTo make matters worse, while the modification review was still pending, Seline Finance began initiating foreclosure proceedings. This action is in direct violation of FHA servicing guidelines, which require that foreclosure be suspended while a complete loss mitigation application is under review.\n\nI have made every effort to communicate with Seline Finance, but their responses have been delayed, vague, and unhelpful. Their conduct has caused me significant emotional and financial distress and places my home at unnecessary risk.\n\nI respectfully request that the Consumer Financial Protection Bureau investigate this matter. Specifically, I am asking for:\n\n1. A review of Seline Finances failure to properly process my mortgage modification in accordance with FHA guidelines.\n2. Immediate intervention to halt any foreclosure activity while my application is still under consideration.\n3. Enforcement action if Seline Finance is found to be in violation of federal mortgage servicing standards.\n\nI am happy to provide supporting documentation, including copies of correspondence, proof of trial payments, and the complete application package, upon request.\n\nThank you for your time and assistance in this urgent matter.\n\nSincerely,\n**XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Money network are scam artist, currently pursuing subpoenas for all internal records and evidence related to this transaction. My license is attached to this form I am the rightful payee of a check issued in the amount of {$18000.00}, which was fraudulently cashed by a third party without my authorization. I never received, endorsed, or had access to this check. 

I was also advised that if I believe the check was stolen, I should contact the police. However, this is not necessary I have already spoken with XXXX XXXX XXXX XXXX, the bank that processed the fraudulent transaction. They confirmed that the funds were returned to the issuing bank, thereby resolving the checks dishonor. The issue now lies solely with Money Network 's failure to return those funds to me, the rightful recipient. 

Under UCC Articles 3 and 4, Regulation CC ( 12 CFR 229 ), and 12 CFR 1005.11 ( Regulation E ), you are required to act in good faith, investigate disputes reasonably, and can not assume consumer liability without proof. You have failed to meet that standard. 


All contact between Money network and I have been documented, they are complete scammers. Please publish this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: NC

Complaint narrative:
On XX/XX/scrub>/2023, JXXXX. XXXX XXXX pulled a hard inquiry on my credit report without my authorization. I never gave written or verbal consent for this inquiry, and XXXX. XXXX is not listed anywhere in my signed auto financing contract. The contract was signed on XX/XX/year>2023, with XXXX  and no documentation or disclosures were provided showing that XXXX. XXXX would be accessing my credit. 

When I contacted them, they claimed the inquiry was authorized, but I have not signed anything giving them permission. This appears to be a violation of the Fair Credit Reporting Act ( FCRA ), which requires proper authorization before pulling a consumers credit report. 

I am requesting the CFPB to investigate and ensure this inquiry is removed from my credit report and that XXXX. XXXX is held accountable for pulling my report without a permissible purpose, the company XXXX  is a buy here pay here or they at least advertise themselves as one they dont do outside financing unless offered. When I called the day before I bought the vehicle from them they confirmed they were a buy here pay here. I signed a contract with carbyu I even have the email stating the assignment is strictly with XXXX  no mention of XXXX  XXXX. Their response to the previous complaint is incorrect and needs to be investigated further, included in the complaint is the contract signed between me and XXXX again no mention of XXXX XXXX  the screenshot of the assignment part in the contract no mention of XXXX XXXX, and their privacy policy with no mention of XXXX XXXX and the screenshot of XXXX XXXX  on my credit report. I gave absolutely no authorization for them to pull my credit report as XXXX  claims they are a buy here pay here so no outside financing was needed. I was never notified that they had gave the debt to XXXX XXXX I disputed with equifax and XXXX XXXX is claiming they had the right to pull my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding has two derogatory marks listed on my credit report and both list them ( LVNV Funding ) as the original creditor when this is false. These two derogatory remarks were regarding accounts with a previous credit card company with whom the debt was settled and it was deleted. LVNV Funding refuses to remove their false information from my credit report, they are listing themselves as the original creditor with incorrect dates and amounts from the actual creditor that the debt was settled and deleted. There is no debt owed to LVNV Funding and this is not the first time I have had issues with them reporting false information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: SC

Complaint narrative:
Metro 2 Compliance Demand - Immediate Deletion of Inaccurate Account Information This is a formal Metro 2 compliance demand regarding the following account : You are in violation of federal law by reporting this account without proper verification and in a manner inconsistent with Metro 2 data furnishing standards : 1. 15 U.S.C. 1692c - Unlawful communication is occurring through continued dissemination of disputed data without my consent and without lawful validation.

2. 15 U.S.C. 1692g - No legally sufficient debt validation has been provided despite my dispute, rendering all further reporting unlawful.

3. 15 U.S.C. 1681e ( b ) - You have failed to maintain reasonable procedures to ensure maximum possible accuracy of the data reported, as evidenced by the ongoing publication of false and unverified information.

Under Metro 2 guidelines and the FCRA, all disputed accounts must be immediately corrected or deleted if they can not be verified to the highest standard of accuracy. Continuing to report- Creditor Names/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX OPEN XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX OPEN XX/XX/XXXX unverifiable data constitutes willful noncompliance and exposes you to statutory damages, attorney 's fees, and punitive damages. 
Demand : If you can not provide documented, verifiable evidence - original signed contracts, complete payment history, and proof of lawful collection rights- within 30 days, you must immediately delete this account from my Experian credit file and confirm deletion in writing. 
Failure to comply will result in immediate escalation, including complaints to the CFPB, FTC, and my state Attorney General, as well as legal action for violations of the FCRA and FDCPA. 
This notice is sent pursuant to my rights under federal law. You are on record and expected to act accordingly. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectify these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
On XX/XX/year> I ordered scrubs and accessories for a total of {$50.00} from what I thought was XXXX. The confirmation email came from a company called XXXX but I thought maybe it would just be knockoff XXXX  so I waited a month for my order. When it never came I emailed the company who sent me a fake tracker that said my order was delivered. I explained to them that I never got it and they said they resent my order and sent me another fake tracker. I waited until the tracker XXXX delivered and emailed them again to say that I didn't receive that order either. They told me that they lost money sending me my order so they would only refund XXXX XXXX  of my money. I then disputed the charge on cashapp. I submitted all of the emails and the fake trackers showing that the dates on the tracker change each time you click them. Cash app denied my dispute twice. I asked what information they used to come to their conclusion and all I got was an email of what I sent them. The company is obviously a scam. The site says XXXX  but all of their emails say XXXX and the charge on cash app is to a company called vchiccaptivity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I made 1 purchase on XXXX-25 that was paid but this company XXXX charged me 2 additional times without my authorization on XXXX25 & XXXX25 for {$180.00} twice and Best Buy let the charge go thru even though I closed my card after seeing the 2nd charge come out without my authorization.

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 2025-08-04 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-08-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX Email : XXXX Issuing Bank : Capital OneCard Type : XXXX ( last XXXX digits : XXXX ) Formal Complaint under the Fair Credit Billing Act On XX/XX/XXXX, I made a {$1000.00} deposit to a XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX NY XXXX via XXXX XXXX using my Capital One XXXX. I was later instructed by the vendor to return and present the physical card, during which I was given a contract to sign. 
Upon reviewing the contract, I immediately noticed that it listed the incorrect wedding date XX/XX/XXXX instead of XX/XX/XXXX. When I pointed this out, the vendor shredded the contract in front of me, stating he would correct it. However, I was never provided with a corrected version, nor did I receive any written cancellation or refund policy, or guidance on how to terminate the agreement. 
In XX/XX/XXXX, I physically returned to the venue and canceled the event due to no longer moving forward with the wedding. This cancellation occurred well over one year in advance, and no services were rendered. Despite this, the merchant refused to refund the {$1000.00} deposit. 
I disputed the charge through Capital One, citing protections under the Fair Credit Billing Act ( FCBA, 15 U.S.C. 1666 ), which entitles consumers to dispute unauthorized or undelivered services. Despite the merchants failure to provide a valid contract, Capital One denied my claim.

I also requested a copy of the documents the merchant submitted during the dispute review, but Capital One refused to provide them. When I attempted to appeal, I was told the case was closed because I missed the deadline by a few days effectively denying me my right to respond or submit supporting documentation.

This entire process lacked transparency and fairness. I believe Capital One may have failed to comply with the procedural protections guaranteed by the FCBA. I am requesting : * A full refund of the {$1000.00} deposit * A formal investigation into the dispute handling * Review of Capital Ones failure to provide merchant documentation or allow appeal Please advise what further steps I can take to resolve this matter. I would appreciate the CFPBs assistance in protecting my consumer rights. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THESE DATA REPORTING AGENCY KEEP BREAKING THE LAW IM AVICTIM OF IDENTITY THEFT

Company response to consumer: Closed with non-monetary relief