vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: UT

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint regarding a high-interest line of credit obtained from CashNetUSA, which I believe constitutes an unconscionable credit agreement under Utah Code 70C-7-106 and violates Utahs consumer protection principles. 

Around XXXXXXXX XXXX, I opened a CashNetUSA line of credit with a credit limit of approximately {$3000.00}. The account carries an annual percentage rate ( APR ) of approximately 299 %, along with substantial transaction fees and daily finance charges. 

Since activating the line of credit, I have made payments totaling over {$4000.00}, which already exceeds the amount originally borrowed. Despite this, CashNetUSA continues to demand additional payments that are almost entirely composed of accumulated interest and fees.

I believe these terms are predatory, unfair, and unconscionable, and I request that the account be reviewed for appropriate relief.

Basis for Complaint : 1. Unconscionable Contract ( Utah Code 70C-7-106 ) : A 299 % APR on a revolving credit account is excessively high, oppressive, and one-sided, creating a gross imbalance between lender and borrower.

2. Violation of Fair Lending Principles : CashNetUSAs line-of-credit structure results in ongoing debt even after borrowers repay amounts exceeding the initial principal, effectively trapping consumers in perpetual repayment.

3. Debt Satisfied Through Overpayment : I have already repaid more than {$4000.00} in total exceeding the original credit amount yet CashNetUSA continues to demand further payment.

4. Ongoing Consumer Harm : The continued accrual of interest and collection activity causes financial hardship and emotional stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I have not been supplied proof under the doctrine of estoppel by silence, Engelhardt vs. Gravens ( mo0 281 SW 715.719. I presume that no proof of the alleged debt not therefore any such debt in fact therefore exist with this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/year>, I purchased a stroller from XXXX XXXX using my Capital One credit card. In XX/XX/year>, the stroller flipped over, proving defective and unsafe. The merchant acknowledged the defect, agreed in writing to issue a full refund, and instructed me to return the stroller. I returned the stroller in XX/XX/year>. 

Despite the merchants repeated attempts to issue the refund back to my Capital One card, the credit never posted. XXXX XXXX requested I file a dispute with capital one. I provided Capital One with extensive documentation, including : Over 40 emails between myself and the merchant, Proof of return shipment, The merchants written admission of responsibility and agreement to refund my purchase Evidence of multiple failed refund attempts to my Capital One account.

Capital One denied my dispute, citing only the 60-day FCBA billing error deadline, without properly reviewing my documentation. This is not a billing error case ; this is a merchant failed to provide an agreed refund case, which falls under XXXX chargeback rules and is not limited to the 60-day window.

When I contacted Capital Ones dispute team to request a re-review, the representative repeatedly recited the 60-day policy, refused to acknowledge the evidence, and even admitted he had not read the documentation I submitted. This strongly suggests my case was never fairly investigated.

Why I Am Filing This Complaint : Capital One failed to apply the correct dispute category ( credit not processed ) and improperly closed my case.

My documentation was not reviewed despite being timely submitted.

I have been a loyal Capital One customer for over six years, and I believe my case warrants proper escalation and investigation.

Requested Resolution : 1. That Capital One escalate my case to the Executive Disputes Resolution team.

2. That the dispute be re-evaluated under the proper category ( merchant failed to provide agreed refund ).

3. That my submitted documentation be reviewed in full and the refund credited to my account.

If unresolved, I will pursue this matter with additional regulators, including the OCC and my State Attorney General.

Supporting Documents Available : Merchant emails confirming refund agreement.

Proof of product return.

Screenshots showing failed refund attempts.

Capital One denial letter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The XXXX  and XXXX  strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under 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 explanation
Consumer complaint received 2025-10-27 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear XXXX  I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
i paid off balance on the one main web site. I was expecting my title mailed back. When i didnt receive i went back on the onemain site to check and then there was an additinal XXXX XXXX  charge i paid that and still not paid off? So i called company and they said there as an additional XXXX. No reasoning? I asked for what they said late fees. i said can they wave cause i have no idea what this is or why when i paid off? They said they will make you pay fees at end loan? Its a scam of a loan company abusing people. they are deceptive and sneaking with loans and fees. I have been going through XXXX XXXX treatments for the past year. and they just take advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES : 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 explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I paid {$1500.00} to XXXX XXXX for their XXXX XXXX. The payment was processed through my SoFi credit/debit card.

The merchant advertised this program as a professional development opportunity, but after payment, they failed to deliver the promised services. My enrollment was never completed, I did not receive access to the program, and no contract or official documentation outlining the terms was ever signed or provided.

When I contacted the company to request a refund, I was told that the amount was non-refundable, despite no mention of that policy at the time of purchase. Later, I was told I had missed the refund window, but again, no written terms or timeline had ever been disclosed before my payment.

After filing a dispute with SoFi, I was contacted directly by a XXXX XXXX representative who encouraged me to withdraw my dispute and instead apply my {$1500.00} payment as a credit toward other programs. This further demonstrates predatory intent and avoidance of accountability. 

Worse, during their sales process, XXXX XXXX representatives preyed on financially vulnerable individuals, encouraging potential customers to skip their mortgage payments in order to pay for the membership. This practice is unethical, exploitative, and intentionally targets those in financial distress. 

I provided SoFi with screenshots, emails, and proof that the merchant failed to deliver the service. Despite clear evidence of non-delivery and deceptive practices, SoFi denied my dispute, siding with the merchant. I am now seeking CFPBs assistance to review this matter, as both the merchant and SoFi failed to uphold fair and lawful consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : UNAUTHORIZED COLLECTION - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: OK

Complaint narrative:
I was trying to Cash app a woman money and that end up ended up sending it to the wrong person because they have almost the exact same cash tag and then the lady blocked me and will not refund me my {$200.00} to her. It wasnt supposed to go

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: GA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TN

Complaint narrative:
This letter constitutes formal notice that your [ describe wrongful act : e.g., unauthorized use/distribution of my copyrighted work/harassing phone calls/unauthorized use of my XXXX/false statements about me ] directed at me and/or my business must stop immediately. 

Facts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I am filing this complaint in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 605B, 609, and 611, as a victim of identity theft. 

I have submitted three official FTC Identity Theft Reports ( Report XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) and am requesting the removal and blocking of all fraudulent accounts and inquiries listed therein. 

The disputed items include multiple unauthorized credit cards, personal loans, and auto loans opened in my name, including but not limited to : XXXX XXXX XXXX XXXX ( multiple cards + auto loan ) XXXX  XXXX credit cards XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX auto loan Other listed accounts and inquiries ( see attached FTC Reports ) I have provided to the credit bureaus and relevant creditors : My FTC Identity Theft Reports A list of fraudulent accounts and inquiries A formal identity theft declaration under penalty of perjury Proof of identity and address I am requesting that the CFPB ensure the consumer reporting agencies ( Equifax, Experian, TransUnion ) and any furnishers : Comply with FCRA 605B by blocking this information within 4 business days of receiving proper documentation Do not reinsert any of this information unless they comply with 611 ( a ) ( 5 ) ( B ) and provide me with written notice I also request a full investigation into any bureau or furnisher that fails to act in accordance with the FCRA. I am seeking relief for the emotional, financial, and legal burden caused by this ongoing identity theft. 

All evidence has been submitted, and this matter is time-sensitive. I request CFPB assistance in enforcing my rights and expediting removal of the fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am submitting this follow-up complaint regarding fraudulent information on my credit report that remains unresolved, despite my previous complaint filed 30 days ago. I am disputing this information pursuant to 15 U.S.C. 1681c-2 and again request that the fraudulent/unauthorized accounts listed below be blocked or removed immediately. 

I have attached a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 

Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days of receiving an identity theft report. However, despite my prior complaint and multiple attempts to resolve this issue directly with EXPERIAN, the following fraudulent accounts remain on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhese accounts are fraudulent and must be blocked immediately. The continued presence of these accounts is severely damaging my creditworthiness and is preventing me from purchasing a home and accessing essential financial services to support my family and economic stability. 

I have requested verification and copies of contracts related to these accounts from the reporting company, but after more than 60 days, I have received no response. Additionally, these accounts have been removed by other credit reporting agencies due to lack of verification, yet EXPERIAN continues to report them as mine without proper validation. 

I respectfully urge the CFPB to intervene and ensure that EXPERIAN complies with federal law by blocking these fraudulent accounts immediately and providing me with confirmationofsuchaction.

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 2025-10-27 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was not informed of debt going to collections by phone or email.

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 2025-10-27 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
I used chime to make a puchase but it was having issues so the seller told me to use chime pay and I had an error popped up but with no warning label so the seller told me to try small amounts he sent one account and I transfered XXXX in 4 transactions and he sent another for XXXX in 2 transaction. I thought it was like XXXX but all payment can be sent for friend and family or business but by the time I came back to my senses I realized I sent to a scammer, I contacted chime on and off repeatedly from XX/XX/year>, Made a dispute and it gets rejected after 5 days and reopened it up and sent proof of emails and messages then it shortly after 2 days it gets rejected

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 2024

Company response to consumer: Closed with non-monetary relief