vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: DISCOVER BANK
State: NJ

Complaint narrative:
I am writing to formally dispute a charge made to my XXXX XXXX XXXX  account by XXXX for a hotel booking that was never honored. I booked a XXXX stay at XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the dates XX/XX/year>, to XX/XX/year>. However, upon arrival, the hotels front desk informed me that they could not locate any valid reservation under my name. They further stated that there were XXXX bookings from XXXX that had both been canceled and refused to provide a room. 
I immediately contacted XXXX and spent over XXXX hours on the phone, during which they insisted the booking was valid and urged me to check with the hotel again. I called the hotel once more, and they confirmed again that no reservation existed and no room would be provided. After nearly XXXX hours of back-and-forth with both parties and with no resolution, I was left with no choice but to find and book a different hotel nearby at my own expense. 
Adding to the confusion, XXXX falsely claimed that I had already checked in, which is simply not true. If I had checked in, there should be a signed registration or record of my stay. Neither the hotel nor XXXX  has provided such proof. 
Upon further investigation, I discovered numerous online complaints from other customers who reported the same deceptive practices involving XXXX. These include canceled bookings without notice and refusal to issue refunds for services not rendered. 
As I did not receive the service I paid for and had to pay out of pocket for alternative lodging, I am formally requesting that you reverse this charge and refund the full amount to my account. 
Please find attached supporting documents, including : My original booking confirmation Screenshots of communication with hotel and XXXX  A record of my alternative hotel booking Someone post similar victim story on XXXX  This situation was incredibly XXXX XXXX XXXX XXXX and I respectfully request your assistance in resolving this matter. 
Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: Absolute Resolutions Corp.
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent a written debt validation request to Absolute Resolutions regarding a collection account they reported for {$710.00}. The letter was sent via certified mail and disputed the debt under FDCPA and FCRA regulations. 

Key issues with this collection account : The reported " Date Opened '' ( XX/XX/XXXX ) appears incorrect as it likely reflects when they acquired the debt, not the original account date The account is misclassified as an " Open Account '' when it should be marked as a collection No payment history is provided to substantiate the balance As of today, more than XXXX days later : Absolute Resolutions has failed to respond to my validation request They have not provided any documentation proving : The original debt agreement A complete chain of assignment showing they own the debt An itemized breakdown of the {$710.00} balance The inaccurate information remains on my credit reports Requested Resolution : Immediate deletion of this unverified collection from all credit bureau reports Cease all collection activities on this account Provide written confirmation that the account has been closed and will not be resold Legal Concerns : Failure to validate debt violates FDCPA XXXX Continuing to report inaccurate information violates FCRA XXXX ( b ) These practices may violate state consumer protection laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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 BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$18000.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1500.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX 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 2025-05-28 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion

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 2025-05-28 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: DC

Complaint narrative:
On XXXX XXXX XXXX my chime account was closed with no reason why

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-05-28 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$6500.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
On XX/XX/year>, I was scammed into sending {$5000.00} via XXXX from my Navy Federal account to XXXX XXXX, who operates under XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

He promised a credit sweep service to legally remove all negative items from my credit report. After the payment was sent, he became unresponsive and failed to deliver the promised services. 

This was a fraudulent transaction, not a mistaken one. The service was misrepresented, and no work was performed. 

I contacted Navy Federal, but they refused to reverse the XXXX transfer, claiming XXXX payments are final. However, this violates XXXX own fraud protections when it comes to scams and unauthorized business activities. 

I am requesting Navy Federal : Initiate a fraud review of this transaction Contact XXXX to reverse the payment or refund the amount Provide documentation of their internal review I am also filing reports with the FTC and XXXX  Attorney Generals Office regarding this fraudulent credit repair scam. This case involves misrepresentation, financial deception, and interstate business fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
LVNV funding has repeatedly email and text me about an alleged that I must pay to them. This company has not validated the debt or returned requested information bit has placed this collection on my credit file : LVNV has my personal information without my written consent this constitutes identity theft to me : see my attached complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: NY

Complaint narrative:
I am writing to formally file a complaint and request immediate action concerning fraudulent information appearing on my credit report as a result of identity theft. 
Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and more specifically under Section 605B ( 15 U.S.C. 1681c-2 ) added by the Fair and Accurate Credit Transactions Act ( FACTA ) I am exercising my right to request a block and removal of all information that resulted from identity theft, within the required four business days from the time the credit reporting agency receives my request and required documentation.

The following accounts or inquiries are fraudulent and do not belong to me : * See identity theft report These accounts were opened or used without my knowledge or authorization. Under 15 U.S.C. 1681c-2 ( a ), I am requesting that this information be permanently blocked from my credit file. Additionally, under this law, credit reporting agencies are prohibited from reporting such information once notified properly and provided with the required documents. 
Attached are the following supporting documents as required by law : 1. A copy of a government-issued photo ID 2. Proof of address 3. A copy of an FTC Identity Theft Report 4. A written statement that the information in question was the result of identity theft and did not involve any transaction I made or authorized I have contacted the credit bureaus and/or furnishers of the fraudulent information directly. However, given the continued presence of the unauthorized data, I am requesting that the CFPB intervene to ensure compliance with the applicable laws. 

Thank you for your time and attention to this urgent matter.

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 2025-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>, my XXXX account @ XXXX XXXX XXXX. Earlier in that day, I deposited a {$300.00} check into my XXXX account. I was unable to ever access these funds, even after the 180 day period. I contacted the issuer of the check and they said on their end the check had processed from their funds. I also contacted XXXX  and was told XXXX support would help me figure this out. Before I reached out to either of those XXXX companies, I was emailing XXXX support back and forth and was not able to find a solution to get my {$300.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I had transaction that I did not purchase myself popping up into my account and had more money than what I paid for took out and I tried to dispute and talk to them over and over again and cashapp support was no help there was no number to call to talk to a live agent I couldnt order a physical card cashapp wont let me and my issue was never resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
I received a letter from ConServe on XXXX/2025 claiming I owe debt. I contacted them on XXXX/2025, the debt in claimed to be from XXXX XXXX XXXX XXXX on a XXXX XXXX  '. I have no knowledge of such debt and called ConServe they state I must provide evidence and dispute the claim. I called XXXX XXXX XXXX XXXX and they said I have no record of ever doing business with them nor any debt. I contacted ConServe and they still are making threats regardless and claim I need to pay back the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to XXXX  that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX I went into a Huntington National Bank branch to find out an account was opened under my name in XXXX without my knowledge and the banker gave me a number to call to discuss the account. When I called the Huntington Number I was told that it was closed on XX/XX/XXXX with a balance on the account. I told them that it was not me and around the same time a credit card with XXXX was opened in my name, so I knew it was a case of Identity Theft. I called Huntington Bank and they proceeded to tell me that there was never an actual dispute for identity theft on my behalf. I was told I would receive an confirmation email, and I never received it, and it has been 3 weeks since I " filed '' the dispute and they have no record of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am XXXX XXXXhis to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: FL

Complaint narrative:
TransUnion is reporting a XXXX XXXX XXXXXXXX account ending in XXXX as XXXX days late, even though the account was XXXX  and XXXX XXXX in XX/XX/year>. XXXX reports the same account as XXXX  and XXXX, and XXXX does not report this account at all, which demonstrates a clear inconsistency. This XXXX payment is inaccurate and unverifiable, as the account had a {$0.00} balance and no remaining activity. Reporting a delinquency after closure violates : FCRA XXXX ( a ) ( 1 ) ( A ) requiring accurate and complete reporting XXXX XXXX Format, Field XXXX ( Payment History ) and Field XXXX ( Account Status ) closed accounts must not reflect post-closure delinquencies This discrepancy misleads lenders and damages my credit profile. The continued reporting of this account with a XXXX payment by TransUnion is a violation of my consumer rights.

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