vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
In XX/XX/year>, I opened a credit card account with American Express and requested a balance transfer of approximately {$3300.00} ( {$2200.00} from XXXX  XXXX and {$1100.00} from XXXX  ). I made multiple follow-up calls and was repeatedly told the transfer was in process and could take up to 6 weeks. Nearly two billing cycles later, on XX/XX/year>, I was informed ( after I made the call again ) for the first time that the transfer would not be processed due to missing information. I was never notified of any issue prior to this, and I recall providing all required information initially.

This caused significant financial harm. I had to use my savings to cover the balances on other cards to avoid interest and penalties, which created severe financial strain. I believe this constitutes unfair and deceptive practices under consumer protection laws and a failure to provide accurate, timely information as required by law.

I am requesting that American Express compensate me for the {$3300.00} balance transfer that was mishandled, along with a goodwill credit for the financial hardship caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AE

Complaint narrative:
I have many Federal student loans being serviced by Mohela. All of my loans are part of the Government 's Saving on a Valuable Education ( SAVE ) Plan. In XX/XX/XXXX, they were placed in forbearance with a 0 % interest rate. This information is verified directly from the Mohela website, which states : " In XX/XX/XXXX, a federal court injunction blocked parts of the Saving on a Valuable Education ( SAVE ) Plan. As a result, eligible federal student loans were placed in forbearance with a 0 % interest rate. Because interest has not accrued, loan balances ( which includes principal and interest ) have not grown during this forbearance. In XX/XX/XXXX, a second federal court injunction ended this 0 % interest rate. To comply with this injunction, loan ( s ) in the SAVE forbearance will begin accruing interest on XXXX XXXX, XXXX. '' As of XX/XX/XXXX, my total loan balance was {$150000.00}, with the specific balances of each loan depicted in the attached document. Since then, these balances should not have increased as a result of the forbearance and the 0 % interest. I made a {$700.00} payment toward the loans on XX/XX/XXXX. As a result, the total balance of the Loans should currently be {$140000.00}.

Unfortunately, several of the loans began inaccurately accruing interest in the last year and have caused numerous abnormal accounting errors within my loans, resulting in a current balance displayed of {$150000.00} ( specific balances broken down in the attachment ).

I have called Mohela numerous times to try to fix the balance. Most phone calls require over 2 hours of waiting on hold before speaking with a representative who says they can do nothing about it and to just wait and see if the values get corrected. I have also emailed Mohela directly through their contact interface and have received no response.

Now, with Interest being reinstated on XX/XX/XXXX, it is even more important that the balances are corrected before that, so I can pay them off before they grow any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX {$12000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have tried to use this American Express e-gift card at several vendors on many different occasions. It does not work at any vendors. I have tried XXXX, XXXX, XXXX, and a XXXX XXXX XXXX. 

The amount is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : DP OF EDUC - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$4200.00} DP OF EDUC - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$5400.00} DP OF EDUC - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$4100.00} DP OF EDUC - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$2600.00} DP OF EDUC - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$5300.00} DP OF EDUC - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$3200.00} DP OF EDUC - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$2500.00} DP OF EDUC - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$2700.00} DP OF EDUC - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$2300.00} DP OF EDUC - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$6500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-16 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a 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 will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit 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 non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have disputed this with every bureaus and everyone corrected it but transunion. my name is XXXX XXXX XXXX. my name has never been XXXX XXXX XXXXXXXX or XXXX XXXX XXXX. I would like them XXXX names removed from my credit. they are 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 non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Novo Platform Inc.
State: MA

Complaint narrative:
I bank with Novo for my small business, and use my Novo account to receive invoice payments from my clients. On today, XX/XX/year>, my Novo account was abruptly closed, with no warning, and not even any communication to me to tell me that the account was closed. I actually thought my account was hacked at first, as when I tried to login or reset the password, nothing was working. I called their fraud number ( XXXX ), at which point they informed me that my account was closed and that I would have to reopen a new account ( which would have a new account number ). 

This caused my business immense hardship as I rely on the bank to receive payments, and I have several outstanding invoices out to clients in which their systems are setup to pay me at my Novo account. I now need to scramble to open a new business checking account, which isn't a quick process as many banks can take several days to approve an application.

The reasoning as to why my Novo account was closed was because they said I did not maintain a balance in the account. They do not pay interest, so I will typically move the funds to a separate account in which I can earn interest. I believe Novo engages in unfair and deceptive advertising practices, as their website advertises a {$0.00} minimum balance requirement. However, if you have a {$0.00} minimum balance, they will close your account without any warning whatsoever.

In addition, I now have no way to access any of my records or statements, which will make tax returns and other financial requirements of my business extremely difficult.

If Novo is going to advertise themselves as a bank for businesses, they should be required to follow the same standards and regulations as a traditional bank. It's absolutely unacceptable for a bank to close a businesses account without any warning or communication, and a business should not be penalized for not maintaining a balance when they advertise a {$0.00} minimum balance requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: KY

Complaint narrative:
I applied for a personal loan through XXXX XXXX and selected an offer from BHG Financial that included specific terms : loan amount, APR, repayment term, and monthly payment. After selecting the offer, I was directed to BHGs portal to complete the underwriting process. I submitted the requested documentation ( pay stubs ) and communicated with their team primarily through the portal and text message. 

After submitting everything, I received a text from a BHG  representative stating that my offer was ready and asking when I could talk by phone. However, their online portal also displayed a message stating your offer is ready below, though no offer was shown. When I asked why the offer wasnt visible in the dashboard and requested that the loan terms be provided in writing ( including APR, monthly payment, fees, and repayment schedule ), the representative stated that BHG does not provide written terms until after a phone call. 

I made it clear that I was not comfortable proceeding without seeing the full offer details in writing before any conversation. I cited my rights under the Truth in Lending Act, but they refused to provide anything unless I first spoke with them by phone. I believe this practice is deceptive and potentially in violation of federal lending law, as it prevents consumers from making informed decisions without pressure or a recorded paper trail.

This experience felt like a bait-and-switch tactic, where the original Credit Karma offer was used to get me into their pipeline, only for BHG to attempt to change the terms during a phone conversation without first showing any written disclosures. I am requesting that CFPB investigate whether BHGs practice of withholding written disclosures until after a phone call violates consumer protection laws, specifically the Truth in Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I am unfamiliar with these accounts and believe they are fraudulent. Kindly remove them from my credit report and begin an investigation. Relevant documents are attached.

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: ND

Complaint narrative:
Dear ( Debt Collector ) I recently received a debit collection notice from yout office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contact or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. 
XXXX. 
The name and address of the original creditor and the current creditor.

Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
DEBT VALIDATION This letter is being sent to you in response to a bill that was received from OPPLOANSXXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX  or XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
I believe these accounts were fraudulently opened and are not tied to me. I ask for their swift removal and a comprehensive inquiry. Documentation is included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX {$12000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have recently discovered that I have been a victim of identity theft

Company response to consumer: Closed with non-monetary relief