vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2025 Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Demand for Method of Verification Pursuant to 15 U.S.C. 1681i To Whom It May Concern, I am writing regarding a previous dispute I submitted to your agency concerning information appearing in my credit file. You have responded stating that the disputed account was verified. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting a full description of the procedure used to determine the accuracy and completeness of the information, including : 1. The method of verification ( MOV ) used to verify the disputed account.

2. The name, address, and direct contact information of the data furnisher you contacted.

3. Copies of any documents, records, or evidence obtained or relied upon.

4. Proof that a reasonable reinvestigation, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), was performed. 
Failure to provide this information constitutes a violation of federal law. If you can not produce the required verification details and supporting evidence, you are legally obligated to delete the disputed information from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Please send the requested Method of Verification documentation to my address listed below. 
Thank you for your prompt attention to this matter. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In XX/XX/year>, American Express abruptly canceled our business credit card account without providing any explanation or prior notice. At no time did we use the account in any manner that violated XXXX XXXX XXXX XXXX, internal policies, or any applicable laws. The account had always been maintained in good standing. 

Although we paid the full outstanding balance of {$200000.00} in full within XXXX month of cancellation, American Express nevertheless assessed a late fee in the amount of {$4100.00}. 

After payment was made, we contacted multiple American Express representatives. Each representative expressly assured us that the late fee would be waived following payment. 

Despite these representations, American Express failed to waive or remove the late fee. In addition, American Express assessed interest charges on the disputed late fee in amounts of {$370.00} and {$340.00}, further increasing the improper balance. 

We formally dispute the validity of both the late fee and all interest assessed upon it. The imposition of such an excessive chargeparticularly after full payment and in the absence of any contractual breachconstitutes unreasonable, arbitrary, and bad-faith conduct. Additionally, charging interest on a formally disputed fee continues to compound the harm. 

We believe this conduct constitutes unfair and deceptive business practices under applicable consumer protection laws. We refuse to pay the disputed fee and interest and reserve all rights to pursue any available legal remedies, including claims for breach of contract, misrepresentation, and violations of consumer protection and unfair business practice laws. 

We respectfully request that American Express be directed to : - Remove and reverse the late fee of {$4100.00} and associated interest ; - Immediately cease any further interest accrual ; and- Provide a written explanation for the account closure and failure to honor its waiver promises. 

Respectfully, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
My mother paid off my loan. I originally had XXXX as a servicer. My mother paid on my XXXX account online and sent XXXX payments. XXXX in XXXX XXXX and XXXX in XXXX XXXX. My XXXX case was transferred to XXXX in XX/XX/XXXX. XXXX sent a letter they do not have the payment and to check with XXXX. I had checked with XXXX and they claim they don't have it. I provided proof from my mother 's XXXX account with the electronic transfer info that went to departure of education. This was given to me by XXXX. XXXX wanted a letter from XXXX with tracking numbers not just photocopy of my bank statements. XXXX just sent me a letter with the information CRi neede to find these payments and apply to my student loans back on the date it was paid. On XX/XX/year> {$5500.00} to department education student loan. Tracking # XXXX XX/XX/year> {$22000.00}. Tracking XXXX The receiving bank was verified by XXXX as Department of Education It is clear these XXXX payments are somewhere in the department of education. These payments were received and need to be applied to my account. XXXX has recently sent a letter that XXXX is responsible. Please help with this matter. 
This has been going on for 10 months.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
I am filing a complaint regarding an incorrect collection account placed by Rent Recovery Solutions on behalf of PrideRock/Lofts of XXXX. I was a tenant in good standing and was granted a formal mutual lease termination by management on XX/XX/XXXX, due to ongoing habitability and safety issues documented over a long period. 
I complied fully with the agreed move-out terms, paid all balances owed, and received written confirmation from management that no charges ( including carpet cleaning ) would be assessed. Management acknowledged their approval of the termination and confirmed they were finalizing all documentation. 
Despite this, over XXXX months later, my account was improperly sent to Rent Recovery Solutions as a delinquent debt. This is incorrect and unsupported by any valid final account statement. North Carolina law ( XXXX XXXX XXXX. XXXX ) requires landlords to provide an itemized final account and notice before sending to collections. I received neither. 
I have repeatedly contacted the propertys regional XXXX requesting correction, and although she acknowledged receipt and promised a response by XX/XX/XXXX, no update has been provided. 
I am requesting investigation and removal of the incorrect collection placement.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I purchased a XXXXXXXX XXXX XXXX on XX/XX/year> from XXXX XXXX XXXX ( New York ). 
The dealer added a {$10000.00} XXXX extended warranty to my Bank of America XXXX loan. 

I cancelled the warranty on XX/XX/year> and have the written cancellation request. 
The dealer failed to process the cancellation or refund and has since permanently closed. 

Bank of America has not corrected my loan balance or assisted in obtaining the refund from the warranty provider ( XXXX ), despite full documentation being available. This refund is required since the warranty was cancelled within the allowed period.

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 2025-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Truist mortgage is refusing to extend assistance and they will not allow the tax liens to become 2nd place. And they are forcing foreclosures and not give me the mortgager to get assistance to keep my home!

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 2025-12-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: FL

Complaint narrative:
I attempted to dispute a transaction through Cash App for merchandise purchased on XX/XX/year> that was never delivered within the promised timeframe. The merchant committed to a delivery window in late XXXX XXXX but did not deliver and refused to refund. 

I disputed the transaction before the merchant shipped anything. Cash App denied the dispute after the merchant simply stated no error, without performing a proper Regulation E investigation, without providing any reason code, without documenting evidence, and without forwarding the dispute to the issuing bank ( XXXX XXXX  ). 

Cash App also told me I needed to talk to the merchant and attempted to tell me that was the only way for the dispute to be solved, which is not consistent with Regulation E responsibilities for error resolution.

The merchant did not ship the goods until XX/XX/XXXX, months after the promised window and only after Cash App contacted them about the dispute. This qualifies as a breach of delivery terms under XXXX reason codes 13.1 and 13.3. Cash App refuses to escalate the claim or conduct a compliant Reg E investigation.

I am requesting that the issuing bank perform the required Regulation E investigation and that Cash App be required to follow dispute-handling laws and forward the case properly for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: UT

Complaint narrative:
On XX/XX/year>, I financed a {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 'XXXX XXXX XXXX XXXX XXXX ) training program via Affirm installment loan ID XXXX ( point-of-sale buy-now-pay-later ). XXXX 's promo emails from co-founder XXXX XXXX ( attached, XX/XX/year> ) promised a full " ecosystem '' for job placement : structured live curriculum covering onboarding frameworks, client retention mastery, Slack/email communication, Zoom etiquette, handling tough convos, upsell/renewals, XXXX systems/KPIs ( making me " more equipped than 95 % of applicants '' ) ; personalized assets ( custom LinkedIn profile, CV, intro video, Outreach Hit List based on my background/niche ) ; private job board with exclusive $ XXXX $ XXXX roles from partners + warm outreach coaching ( " XXXX skip the queue '' ) ; and ongoing support ( weekly coaching calls, Slack feedback on messages/applications/interviews, direct placement team access to " close the skill-hire gap '' ). 

Lead trainer XXXX XXXX confirmed these via XXXX ( attached screenshots, XXXX XXXX XXXX ) : welcomed me to XXXX, shared Zoom/Calendarly links for onboarding, promised to " walk through everything tomorrow, '' and scheduled callsbut tools failed ( unusable calendar XX/XX/XXXX ), meetings delayed repeatedly ( e.g., XX/XX/XXXX push to Friday due to his " booked '' schedule ; XX/XX/XXXX confirmation became XX/XX/XXXX ), and I started solo on classroom videos. On XX/XX/XXXX, I requested interview prep book ( self-found in videos ) ; XX/XX/XXXX, noted advanced XXXX training was private ( no access provided ). 

All halted after XXXX 's XX/XX/year>, XXXX community post ( attached ) announcing XXXX 's " accident '' made him unavailable for messages/support. No live sessions, mentoring, or job help ever occurred. Founder XXXX XXXX ignored my XX/XX/year>, DM ( attached ) requesting promised resume review/job placement. XXXX issued a worthless in-house " XXXX XXXX XXXX XXXXXXXX '' certificate ( attached ) upon " completion '' not the advertised real XXXX XXXX XXXX ( agile cert requiring XXXX live training/exam ). This is bait-and-switch/false advertising : Emails hijacked " XXXX '' acronym for niche coaching role ( not agile ), with XXXX value delivered vs. hyped XXXX remote jobs. 

Filed initial Affirm dispute for non-delivery/services not rendered. Contacted XXXX for refund/support multiple times ( ignored ). Ongoing payments risk credit damage. Desired resolution : Full {$1500.00} loan cancellation, stop all payments, remove from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Receivables, Inc.
State: GA

Complaint narrative:
This complaint is a supplemental filing connected to my earlier CFPB complaint regarding Collection Receivables, XXXX ( XXXX ). The CFPB system did not allow me to upload documentation on my prior complaint, so I am submitting my full evidence packet here. Please combine this filing with my original complaint. 

XXXX is attempting to collect an alleged XXXX XXXX gym membership debt. The business changed ownership, and I was never informed of any transfer or continuing obligation after the transition. 

On XX/XX/year>, I formally requested full validation of the debt under FDCPA XXXX XXXX XXXX. I requested : A copy of the original XXXX XXXX contract A complete chain of assignment showing transfer from XXXX XXXX XXXX XXXX XXXX An itemized accounting of charges Proof that the debt remained valid after ownership changes XXXX has not provided any legal validation. Instead, they repeatedly sent settlement offers ( {$3500.00} and {$2500.00} ) and conflicting balances ( {$5900.00} ; {$4900.00} ; {$970.00} ). 

XXXX also continued collection activity after my dispute, which violates FDCPA XXXX ( b ). They continued to send email and text attempts even after I requested they stop contacting me months ago, violating FDCPA XXXX ( c ). 

I am attaching my full evidence packet including : Screenshots of XXXX  emails Settlement offer notices Conflicting balance notices Timeline summary My signed complaint letter I am requesting the CFPB compel XXXX to provide full validation or close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: AZ

Complaint narrative:
My approval for XXXX was on XX/XX/2025. The XXXX was completed on XX/XX/2025. I received a letter for collection dated XX/XX/2025 from XXXX for my outstanding debt, {$4300.00}. The letter states that XXXX notified all major XXXX XXXX XXXX of my late payments, missed payments or defaults I have with them despite my XXXX  discharge, which was approved on the XXXX of XX/XX/2025 and completed on the XXXX of XXXX this year, 2025. 

The XXXX id is..., and the letter is dated XX/XX/2025. When I tried to contact XXXX by phone, I was always immediately transferred to a debt collection agency ( XXXX ) associated with XXXX 

Interestingly though, after repeated attempts to contact XXXX and always being transferred to XXXX, the debt collector attempting to get a payoff from me did state that my debt with them was XXXX on XX/XX/2025, XXXX days BEFORE my threatening letter from XXXX, dated XX/XX/2025. 

Please let XXXX know they need to honor the discharge of my loans. XXXX has sent the request back to XXXX for collection because, as of today ( XX/XX/2025 ), when I call XXXX 's number, I am transferred to XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Healthcare Finance Direct LLC.
State: PA

Complaint narrative:
Their response isn't good enough ( because they still owe me the rest of the money! 
Complaint Against : Healthcare Finance Direct Company Address : Healthcare Finance Direct XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Your Information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Email : XXXX Phone : XXXX XXXX  Account Number : XXXX Complaint Details : Product Type : Medical Financing Issue Type : Problem with a refund Summary of the Problem : " This complaint is regarding an installment loan ( Application ID XXXX ) with Healthcare Finance Direct for a XXXX treatment that began on XX/XX/XXXX. The treatment was ineffective. XXXX has since gone bankrupt, and we are seeking a full refund from the financing company, XXXX. 
We have paid a total of {$1500.00} towards a total sale price of {$2100.00}. XXXX has confirmed the account is closed with a {$0.00} balance and issued a partial refund of only {$570.00} in XX/XX/XXXX. We are seeking the remainder of the amount we paid. '' Desired XXXX : " We are requesting a full refund of the remaining {$920.00} that we paid for this ineffective treatment. We request this refund be sent via a mailed check to the address on file. 
Furthermore, we demand that the contract be formally terminated and voided, any and all remaining balances be waived, and you confirm in writing that no negative information has been or will be reported to any credit bureaus. We also demand that this account not be sent to any debt XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint regarding Capital One and the law firm XXXX XXXX XXXX, to whom Capital One has assigned the collection of my credit card account. There is no viable way to contact this firm. They do not answer phone calls, no representative returns calls, and I have been unable to speak with anyone despite repeated attempts. 

Because of this lack of communication, I am now facing a legal process without any opportunity to pay my account or resolve the matter directly. Capital One has effectively placed me in a situation where I can not exercise my right to address the debt before litigation proceeds. 

I request that the CFPB investigate this matter and require Capital One and XXXX XXXX XXXX to provide a functional, responsive point of contact so I can cure the default, negotiate a resolution, or make payment arrangements. I also request that any ongoing legal action be paused until they provide proper access and communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
The charge came on XX/XX/2025. I put it on dispute, ever since the, there was negligence on the Bread Financial to resolve this problem for overXX/XX/XXXX months now. 
All the needed to do was make a claim for XXXXXX/XX/XXXXsince the already agreed to refund it back, but they did not all this time. 
The just keep the card on block status, and charges are being made on certain time periods and the due date for the min payment is due soon, but the charges must be returned back to me, first. 
Also, if this gets prolonged, the credit report bureau may react to a long standing problem. All I asked them to do was return the fund back to my account so I can use or cancel the card. 

I would like to report Bread Financial for this unnecessary hold for such a simple problem, thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-10 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: Self Financial Inc.
State: GA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am filing this complaint because Aidvantage has reported several late payments on my federal student loan account ( Acct # XXXX ) even though I have taken steps to bring my loan back into good standing. My account is now current, and I am requesting a review and correction of the prior delinquency reporting. 

These late payments occurred during a period of financial hardship, and I am now working proactively to maintain my loans in good standing. I have attempted to resolve this matter directly with Aidvantage, but I was informed that customer service can not escalate or review credit reporting issues. 

I am requesting that Aidvantage conduct a full review under the Income-Driven Repayment ( IDR ) Adjustment, including consideration for : Retroactive forbearance for the months reported delinquent Rehabilitation-based correction, as my account is now current Removal of negative credit reporting associated with the prior delinquency Payment count adjustments under the Department of Educations ongoing IDR and payment correction initiatives I am asking for the removal or correction of these late payments due to : 1. The account having been restored to current status 2. My enrollment intentions for an appropriate repayment plan 3. Financial hardship during the months in question 4. Aidvantages authority under federal guidelines to correct delinquency when the account is rehabilitated or adjusted through IDR review I am requesting the CFPB to assist in having this matter escalated to Aidvantages Credit Reporting or Compliance Department, as customer service has no ability to review or correct the reporting. 

Thank you for your assistance. 
XXXX XXXX

Company response to consumer: Closed with explanation