vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am filing this complaint against Credence Resource Management, the current debt collector for a T-Mobile account, which they are reporting on my credit reports as inaccurate, incomplete, and fraudulent. This same account was previously handled by XXXXXXXX XXXX who responded to my prior CFPB complaint on XX/XX/XXXX. Despite my disputes, XXXX has continued reporting this invalid debt, causing harm to my credit score and financial opportunities. 
Details of the issue : The account is listed on my credit reports as " open '' in XX/XX/XXXX, which is impossible, as the current date is XX/XX/XXXX, and I have never had an active XXXX account in XXXX. The account was actually opened on XX/XX/XXXX, and closed in XX/XX/XXXX when I returned the equipment ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and internet receiver ), paid the final balance ( last payment {$240.00} on XX/XX/XXXX ), and ported my number to another carrier XXXX XXXX XXXX XXXX XXXX XXXX ). 

XXXX alleges unreturned equipment valued at {$1000.00}, but this is untrue. I returned all devices in good condition around XX/XX/XXXX per XXXX XXXX policy ( which requires returns within specified windows with proof of purchase/receipt ). They have provided no evidence ( e.g., return confirmation, tracking, or inventory records ) proving non-return. Without such proof, this charge is invalid under FCRA 623 ( a ) ( 1 ) ( A ), as furnishers must maintain reasonable procedures for accuracy. 

My devices were financed through XXXX 's XXXX! On Demand program. Both phones were well over XXXX XXXX paid off by the time I closed the account ( supported by payment history and the last payment of {$240.00} on XX/XX/XXXX ). Under XXXX! terms, once a device reaches XXXX XXXX paid, the customer may return it in good condition and owe nothing further on the remaining lease balance. Since I returned the devices and exceeded the XXXX XXXX threshold, there can not legitimately be a {$1000.00} " unreturned equipment '' charge. This charge is invalid on its face and appears to be an error or improper billing practice. 

The claimed {$1600.00} ( breakdown : service {$400.00}, late fees {$91.00}, warranty {$12.00}, equipment {$1000.00}, XXXX {$150.00} ) stems from disputed post-return charges. XXXX temporarily removed it from reports as a courtesy ( up to 60 days for bureaus to update ), but CRM has re-reported it inaccurately. 

This reporting violates FCRA ( 15 U.S.C. 1681s-2 ) by furnishing inaccurate information without reasonable investigation, and FDCPA ( 15 U.S.C. 1692e/f ) by attempting to collect a disputed, unverified debt. CRM has not provided validation despite my prior disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Chime Financial Inc
State: UT

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally document Chimes failure to deliver a paid product, along with unfair billing practices and unacceptable customer service conduct.

I paid over {$50.00} for a metal Chime card. Despite allowing more than the stated delivery timeframe, the card was never delivered. I also actively monitor USPS XXXX XXXX, which provides advance notice of all incoming mail to my address. At no time did USPS XXXX XXXX show any mailing from Chime, confirming that no card was delivered and strongly indicating that the item was either never mailed or was mishandled prior to delivery.

When I contacted Chime customer support to resolve this issue, I remained on the call for over 30 minutes. The representative terminated the call without resolution and further stated that I would be required to pay an additional {$50.00} to receive a replacement carddespite the fact that the original paid card was never delivered.

This conduct raises serious concerns under consumer protection standards, including but not limited to : Failure to deliver goods paid for, which constitutes non-performance.

Unfair and deceptive billing practices, by attempting to charge a second fee for the same undelivered product.

Lack of good-faith dispute resolution, including terminating a call after excessive hold time without resolving the issue.

Potential violation of consumer protection laws governing unfair, deceptive, or abusive acts or practices ( UDAAP ).

To be clear : I am not requesting a courtesy or exception. I am requesting remediation for a paid product that was never delivered, supported by USPS XXXX XXXX records showing no incoming shipment from Chime.

I am requesting immediate resolution in one of the following forms : 1. A full refund of the metal card fee, or 2. A no-cost replacement metal card, shipped with tracking and written confirmation that no additional charge will be applied.

If this matter is not resolved promptly, I am prepared to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX  ), and to retain records of this incident as evidence of unfair billing and failure to deliver paid goods.

Please provide written confirmation of how this matter will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: NY

Complaint narrative:
Requested military SCRA benefits to be applied to two Discover cards, effective XX/XX/XXXX. As of my XX/XX/XXXX statement, the mandated reduction in APR interest on the card has not been applied. I have called several times and they blame their merger with XXXX XXXX for the issues. They initially said 30 business days were needed to resolve. We are now way past that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 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: MI

Complaint narrative:
Fraudulent accounts and unauthorized inquiries appeared on my credit report, including a XXXX XXXX XXXX account and an XXXX  inquiry, which I did not authorize. My personal information, including name and addresses, was incorrectly reported. I discovered these issues on multiple occasions and submitted disputes to the credit bureau, but the errors remain. The total amounts involved include a fraudulent auto loan of {$20000.00} and other smaller amounts. I have also provided documentation of identity theft. I am requesting the permanent removal of all fraudulent accounts and inquiries, correction of inaccurate personal information, an updated credit report, and a full explanation of how these items were previously verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/year> I C system inc XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Re : Account / Reference No : XXXX To Whom It May Concern, I am writing in response to your attempt to collect the debt referenced above. This letter is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( 15 USC XXXXg ). 

At this time, I dispute this debt and request that you provide the following : XXXX. The name and address of the original creditor XXXX. The full account number associated with the debt XXXX. The amount of the alleged debt, including an itemized breakdown of fees, interest, and payments XXXX. Proof that I am legally obligated to pay this debt XXXX. A copy of the original signed contract or agreement XXXX. Proof that your company is licensed to collect debts in my state XXXX. The date of last activity or last payment on the account Until this information is provided, you must cease all collection activity, including phone calls, reporting or verifying this account on my credit report, or pursuing legal action. 

If you have already reported this account to any credit reporting agencies, please mark the account as disputed until validation is completed. 

This is not a refusal to pay it is a request for proof of your legal authority and the validity of this claim. 

Please respond in writing to the address listed above. 

Sincerely, 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 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
What happened : Since XX/XX/year>, I have repeatedly contacted my mortgage servicer, Lakeview XXXX XXXX ( serviced by Mr. Cooper ), to ensure my XXXX XXXX XXXX property taxes were paid correctly. My property consists of XXXX tax parcels ( XXXX and XXXX ). 

Despite having sufficient funds in my escrow account and providing the tax bills for both parcels on XXXX separate occasions ( Case # XXXX ), the servicer has only paid XXXX parcel ( {$1300.00} ). They have neglected to pay the second parcel of {$850.00}. 

This is a violation of RESPA 12 CFR 1024.17 ( k ), which requires timely escrow disbursements. The servicer has ignored my outreach for four months, providing only automated template responses while my taxes remain delinquent. Furthermore, this negligence has resulted in an inaccurate Form XXXX for the tax year.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVNV Funding LLC is attempting to collect a debt that I do not owe. I have never entered into a contract or agreement with them, and they have provided no documentation or proof that I am legally obligated for this debt. 

I requested validation of the alleged debt, including the original signed contract and proof of ownership, but LVNV has not provided sufficient evidence. Despite this, they continue collection activity, which I believe violates the FDCPA ( 15 U.S.C. XXXX, XXXX, XXXX, XXXX ). 

If LVNV has reported this debt to credit reporting agencies, it is inaccurate and unverifiable, violating the FCRA ( 15 U.S.C. XXXX ( a ), XXXX ( b ), XXXX ( a ) ( XXXX ) ). I also request any reporting be blocked under FACTA ( 15 U.S.C. XXXX ), as this may constitute identity theft or unauthorized use of my personal information. 

I am requesting that LVNV Funding LLC : Provide complete validation of the alleged debt. 

Cease collection activity until validation is provided. 

Remove or correct any reporting if the debt can not be verified. 

I have attempted to resolve this directly, but LVNV has not responded adequately, so I am submitting this complaint to protect my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 XXXXXX/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 2026-01-06 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I signed up for service with XXXX. They provide hold music for phone systems. I told them a month or so after I signed up that I was just not happy with the service. I was reminded that I was in a XXXX year agreement so cancellation was not an option. My agreement ended in XX/XX/XXXX and they have charaged me XXXX more times after the contract ended for a total of XXXX They originally would not respond to me except wanting to call me to discuss my options. I want my account cancelled and I want to be refund the money they have stolen. 

The company finally agreed to refund me the money on XX/XX/XXXX. I also filed a dispute with Wells Fargo on XX/XX/XXXX and Wells Fargo refuses to help. 


EMAIL TO COMPANY ON XX/XX/XXXX : I thought I made it very clear that when my XXXX years was up that I wanted my service cancelled. I do not want to be on any of your plans and do not want to be on a month to month and I made that very clear to XXXX that repeatedly harassed me. I was also told that I would receive a credit at the end of my XXXX year term that was up in XX/XX/XXXX. Why was I charged and please process a refund immediately. I was charged on XXXX and XXXX for {$1300.00}. I was charged again on XXXX for {$1300.00}. Total of {$3900.00} money stolen. See email attached from XXXX that a XXXX week credit would be refunded at the end of my contract in XXXX. From : XXXX XXXX - Big Time Recovery Sent : Thursday, XX/XX/XXXX XXXX AM To : XXXX XXXX XXXX, this is borderline harassment. I have tried to tell you I will call you back as soon as I get a chance and you literally call every number you have on file for me even though you know what my direct number is. After the XXXX month term is complete.REMOVE ME. I do not want to be on your month to month term. You and XXXX blowing me and my staff up daily has just become ridiculous! You two are perfect examples of why I do not allow solicitation! This whole relationship has become a complete distraction and I do not have time for it. I have real business operations going on here and frankly could careless about a recording.

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 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: INDEPENDENT BANK CORP.
State: MA

Complaint narrative:
I am filing a complaint regarding XXXX XXXX XXXX  handling of my debit card dispute. 

I authorized a debit card transaction on XX/XX/year>, for custom wheels in the amount of {$1500.00}. The merchant disclosed a XXXX  day lead time. That period expired, and the merchant repeatedly missed multiple promised ship dates. The final promised shipment date of XX/XX/year> passed with no shipment, no tracking number, and no delivery. 

I did NOT dispute this transaction as fraud or as an unauthorized charge. I disputed it due to failure to deliver goods within the agreed timeframe, which constitutes merchant non-performance / breach of contract. 

XXXX XXXX denied my dispute solely on the basis that I authorized the transaction, which indicates the dispute was incorrectly evaluated as a fraud claim rather than as a failure-to-deliver dispute. The bank did not address the merchants failure to provide goods or services after the agreed timeframe had elapsed. 

The merchant has ceased responding to my communications and continues to retain my funds without providing the product. I am requesting that XXXX XXXX re-review this dispute under the correct category and provide a written explanation of how failure-to-deliver disputes are handled for debit card transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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 have no documented association with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I bought a refrigerator at Lowes They were offering {$100.00} off to open a Syncrony credit card, which I did. A couple of days later I cancelled the order. They went ahead and charged the credit card. I reached out to Lowes to make sure it was cancelled. They confirmed it was. Syncrony then removed the charge all but XXXX XXXX so they could then charge me interest for the next month. THIS IS FRAUD and they should be prosecuted.

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 2026-01-06 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: GA

Complaint narrative:
All contested accounts must be addressed and removed in compliance with legal requirements.

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 2026-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
Southern Management Systems is attempting to collect an incorrect amount related to apartment move-out charges. These charges were formally disputed with the original landlord on XX/XX/year> due to duplicate entries, lack of documentation, and improper billing for normal wear and tear and pre-existing conditions under Florida law. The landlord never responded or validated the charges and instead referred the account to collections. The amount being collected is inaccurate and not owed. I am requesting validation of the debt and cessation of collection activity until the dispute is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing a complaint regarding an inaccurate account balance caused by Truist Banks posting of transactions. 
On XX/XX/year>, I made several purchases using my checking account while my available balance was approximately {$290.00}. I do not have overdraft protection or any balance buffer enabled on this account. At the time each purchase was made, sufficient funds were available, and no transaction was declined or indicated as overdrafting. 
When I checked my account on XX/XX/year>, Truist had posted multiple transactions in a way that pushed my account into a negative balance, despite the fact that all transactions were made when funds were available. These transactions were pending previously and later posted in bulk, which altered the balance retroactively. 
This appears to be an issue of improper posting order and/or authorization handling, not overspending. Banks are not permitted to create overdrafts through transaction reordering or delayed posting when sufficient funds were available at the time of purchase.

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 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
I was scammed and thought that the person that I was talking to on XXXX  was my nephew and I sent {$350.00} of XXXX  to the person via cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I am filing a formal complaint regarding fraudulent charges that were processed on my Goldman Sachs credit card account. 

In XX/XX/year>, charges totaling approximately {$2000.00} were made for XXXX  XXXX tickets. I did not authorize, purchase, or benefit from these transactions. These charges are fraudulent. 

I reported this activity to Goldman Sachs and requested that the charges be removed. Despite my dispute, the charges have not been properly resolved, and the fraudulent balance remains associated with my account. 

I am requesting the following corrective actions : 1. Immediate removal of all fraudulent charges related to the XXXX  XXXX tickets 2. Correction of any negative account impact, including interest, fees, or credit reporting 3. Written confirmation that the matter has been fully resolved This activity violates my consumer protections under federal law, including the Fair Credit Billing Act. I am asking the CFPB to review this matter and require Goldman Sachs to take appropriate corrective action. 

Thank you for your assistance.

Company response to consumer: Closed with explanation