vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
On XX/XX/year>, I purchased safety boots for {$54.00} from a merchant in XXXX using my debit card at a chip card terminal. 

After XXXX days of normal use, the boots disintegrated internally, causing physical injury ( blisters and pain ). 
On XX/XX/year>, I emailed the merchant with photos of the damaged boots, my injury, and the receipt, demanding a refund or replacement due to manufacturing defect. The merchant responded on XX/XX/year>, refusing a refund and requiring in-person return to their XXXX store XXXX which is impossible as I reside in the US. Follow-up emails from me on XX/XX/XXXX and XX/XX/year>, were ignored. 

On XX/XX/year>, I filed a dispute with my Charles Schwab bank ( case number XXXX ) for defective merchandise, providing the email chain, photos, and receipts as evidence. 

On XX/XX/year>, a phone representative informed me the bank contacted the merchant, who offered a refund only if I shipped the boots back at my expense from the US to XXXX, and thus the bank was closing the case without recovery. 

However, the bank 's denial letter dated XX/XX/year>, states the dispute is denied because it was a chip card transaction with no recourse, instructing me to work directly with the merchant. This contradicts the phone explanation and ignores my evidence of defect and injury. Under Regulation E, this qualifies as a billing error for goods not as described, and the bank should have pursued it further rather than denying based solely on transaction type. No refund has been issued, and the merchant continues to ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report due to inaccuracies and incomplete reporting : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} Inquiries : XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : 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 2025-12-01 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: NC

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 2025-12-01 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in XXXX XXXX XXXX XXXX XXXX Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had a payment agreement with Citi Bank. However, after the first couple of payments were made, they turned the account over to a collection agency that immediately reported the account to my credit report. Citi Bank continued to report negative remarks about the account as well as the additional account now reporting from the collection agency. On XX/XX/XXXX I paid the remaining balance in full. As of my new credit report that came out on XX/XX/XXXX all derogatory information is still be reported and no credit of my payment on XX/XX/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 2025-12-01 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: FL

Complaint narrative:
I am submitting this complaint to request a reinvestigation of certain items on my Experian credit report that appear to be inaccurate or not fully verified. As a consumer, I rely on Experian to report only factual and verifiable information. The following accounts have been reported as charged off or late, but I have not received proper documentation validating these claims. I respectfully request that Experian review these items in accordance with the FCRA and remove any that can not be substantiated. 

Accounts in Dispute : XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX XXXX Reported as Charged Off on XX/XX/year> for {$490.00}. 
I am disputing the accuracy and completeness of this reporting. Please provide documentation verifying the debt, ownership, and the accuracy of the charge-off notation. 

XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported as Charged Off on XX/XX/year> for {$3200.00}. 
I am requesting validation of this account and the accuracy of the reporting. If you can not verify the details with the original creditor, please remove it from my file in accordance with FCRA 611. 

Late Payments : XXXX  ( Account # XXXX XXXX XXXX XXXX XXXX XXXX Late payment information appears inconsistent with my records. Please provide documentation verifying the payment history. 

XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please verify the reported late payments. If unverified or inaccurate, I request deletion or correction.

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 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: OH

Complaint narrative:
On XX/XX/year>, I sent {$990.00} USD through Western Union from the United States to my relatives bank account in XXXX. The transaction status shows Delivered, but the funds were never deposited into the recipients account. 

I contacted Western Union multiple times by phone, and they repeatedly told me that the transfer was delivered, even though the receiving bank has confirmed that no funds were received. To resolve this, I opened a support ticket with Western Union and submitted all the requested documents, including proof of payment and identification. 

It has now been over XXXX  days since I opened the ticket, and Western Union has not provided any response, update, or explanation. They have not given me proof of where the money was sent, nor have they issued a refund. Customer service only gives generic statements with no investigation or resolution.

Western Union is holding {$990.00} USD of my money without delivering it to the recipient or providing any support. I am requesting CFPB assistance to require Western Union to investigate the transaction properly, explain what happened to the funds, and issue a refund if the money was not delivered to the recipients bank. 

The transaction details include : Transfer amount : {$990.00} Transfer date : XX/XX/year> Status shown by Western Union : Delivered XXXX  : XXXX Support ticket opened with Western Union : XXXX Case number : XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: TN

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Date : XX/XX/year> XXXX XXXX XXXX. XXXX XXXX, SC XXXX Re : Cease and Desist To Whom It May Concern : I am writing to formally notify LVNV Funding LLC that you must cease and desist all collection activities regarding the alleged debt referenced above. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am requesting that you stop all communication with me about this matter.This includes, but is not limited to : * Phone calls * Letters * Emails * Text messages * Any third-party contact * Any attempts to collect or verify the debt except as allowed by law If you believe you are contacting the wrong person, you must also cease all attempts immediately. 
Additionally, if you claim this debt is valid, I request that you provide verification of the debt as required by 15 U.S.C. 1692g ( b ), including : 1. Proof that LVNV Funding owns the alleged account, 2. A complete accounting showing how the balance was calculated, 3. A copy of any original contract or agreement bearing my signature, and 4. Name and address of the original creditor. 
Until proper verification is provided, you are prohibited from continuing collection efforts. 
Failure to comply with this cease-and-desist request will leave me no choice but to report your actions to the Consumer Financial Protection Bureau , my State Attorney General, and any other relevant regulatory agencies. I also reserve the right to pursue legal remedies. 
This letter is being sent via certified mail for documentation purposes.Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
The stated information conveys an incorrect representation of my financial performance. I respectfully request that it be reviewed and updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
I was contacted via text from Harris and Harris Debt Collection owing a balance of {$140.00} for XXXX XXXX for XXXX XXXXXXXX. My account has no balance. When I called the XXXX XXXX they first told me the link is Legit. Then a second customer service person told me not to click the link because there was no balance in my account.

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 2025-12-01 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: NC

Complaint narrative:
I am disputing the accuracy and completeness of the items listed below. I request a lawful reinvestigation and removal of any unverifiable reporting. 

CHARGED OFF XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX  Acct : XXXX Opened : XX/XX/XXXX Balance : {$28000.00}

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 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Claimed XXXX denied the claim twice!! But I never received my pesos but Chase said denied too bad. No. Chase deducted my {$270.00} but I never received the XXXX XXXX  or my money! Check the camera. I did not get that money and Chase took it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
I filed a complaint with the CFPB to Experian for Identity Theft. Experian responded by asking for additional documents. Experian did not correct anything on my credit report because they said they needed additional documents. All the additional requested documents were submitted on the initial complaint I filed on XX/XX/year> to Experian. Experian is attempting to stall on correcting my credit report by asking for more documents that was already submitted. I am attaching a copy of the initial complaint showing the attachments that were submitted with the complaint.

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 2025-12-01 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: NC

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