vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I attempted to change the date of one leg of my XXXX flight booked through Capital One Travel and was quoted and charged inconsistent amounts for the same change. 
XXXX quoted {$340.00} for the change of one leg Later told {$150.00} to cancel the reservation ( no mention of seats ) Then told it was misrepresented and it was {$150.00} per person ( not the total ) Called back and was told to contact XXXX about seats. XXXX confirmed they can not see or honor seats on a Capital One booking, but said they would honor them if I changed directly. They quoted {$270.00} with no seat-change fee Called back Capital One again and was told the change fee was {$19.00}. I was charged {$19.00} Afterward, I was told the cost was actually {$110.00} per person In other words, I was charged one amount, then told a higher price afterward. Each call produced contradictory information. I asked for written documentation and a case/reference number and was told neither could be provided. The supervisor ( XXXX, XXXX office ) also refused to provide an ID, extension, or alternate contact, saying she was the only XXXX who is a supervisor and that no higher escalation was available because her manager only does administrative work. 
This contradicts XXXX XXXX own published policy that these are the same flight options available to customer service agents. I consistently saw {$110.00} per person on my end, but the supervisor told me agents could see different fares and justified the misquotes by saying fares are subject to change from time to time. 
My concerns : I was quoted multiple inconsistent amounts for the same flight change. 
I was charged {$19.00}, then told it would actually cost much more ( {$110.00} per person ). 
Capital One refused to provide documentation or escalation. 
Their stated policy of fare parity between customers and agents is not being followed. 
I lost over XXXX hours, including one international call, trying to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Subject : Request for Original Promissory Note or Removal of Accounts from Consumer Report This letter is a formal request regarding the student loan debt ( s ) that you have reported on my consumer credit report. Please be advised that this is NOT a refusal to pay but a request sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. and the Fair Credit Reporting Act ( FCRA ). I am disputing the validity of the alleged debt ( s ), and I am requesting proper validation.

This is NOT a request for reverification of my mailing address or other peripheral information, but a formal demand for competent evidence that establishes my legal obligation to pay this debt and the right of your office to report it to consumer reporting agencies. 
Specifically, I request the following : Account Information : Account Name/ Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
1. Proof of Debt : respectfully demand that you provide a copy of the original wet-ink promissory note or other documents that serve as the foundation of the alleged debt ( s ) you claim I owe, The absence of such documentation violates my rights under the FCRA, FDCPA, and any applicable state laws. You must provide evidence proving your legal authority to report this debt.

2. Failure to Provide Proof.

Should you be unable to furnish the original promissory note or other valid documentation within 30 days from receipt of this letter, I request that you immediately cease reporting this account to any and all consumer credit reporting agencies and remove it from my credit file. The continued reporting of unsubstantiated debts is a violation of the FCRA and may also constitute fraud. If no response is received within the 30-day window, I will pursue all available legal actions to ensure compliance.

3. Correction of Consumer Report : If your office decides to remove the accounts from my report, I request written confirmation of this removal, along with written verification from the credit bureaus that the accounts have been deleted.

Further, this letter serves as a Formal Notice under the Family Educational Rights and Privacy Act ( FERPA ) : The unauthorized disclosure of my student loan-related information to consumer reporting agencies without my written consent may also be a violation of FERPA. I have not provided consent for such disclosure. Therefore, I demand immediate cessation of reporting and removal of all student loan-related accounts from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: CBC Companies, Inc.
State: AZ

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bullcity is trying to collect, I did not give consent for my personal information to be released to anyone. And was given no proof its me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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:
I am a victim of identity theft, and I am disputing the account being reported by XXXX ( Account ending XXXX XXXXXXXX ). This account is listed as opened in XX/XX/XXXX, with a balance of {$5400.00} and a first delinquency reported in XX/XX/XXXX. The account is currently being reported as a charge-off. 
I did not open this account, authorize its use, or consent to any loan with XXXX. This account was fraudulently created and does not belong to me. The reporting of this account is inaccurate and is damaging my credit history. 
I am requesting that this account be fully investigated and permanently deleted from my credit reports in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681c and 1681i ). I also request that I not be held responsible for any balance, fees, or collection activity related to this fraudulent 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 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I am disputing the account being reported by Credit Corp Solutions Inc. ( Account ending * XXXX ). This account is listed as opened in XX/XX/XXXX, with a balance of {$1700.00}, and is being reported as a collection account with a first delinquency in XX/XX/XXXX. 
I do not recognize this account, and I have not been provided with documentation that proves it is valid or that the reported balance is accurate. The company has not provided original account records, contracts, or statements from the original creditor to verify ownership or the amount owed. Reporting unverifiable information is harmful to my credit standing. 
I am requesting that this account be fully investigated and that Credit Corp Solutions Inc. provide proper documentation to substantiate the debt as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). If the company can not verify the accuracy of this information, the account should be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
I got a loan and then had to go to the XXXX and had an XXXX  XXXX to remove my XXXX and have experienced many issues since then including XXXX XXXX and have been in and out of the hospital. I informed them I am not working but they want me to pay them before I pay rent or light bill and I am a XXXX XXXX of XXXX kids. They harass me, my friends, and have even began harassing my doctors office. My doctor complained to me about the letters they are sending them. I did not even tell them who my doctor or my doctors office was so its a little crazy and scary to me how they know who my doctor is when I never told them and the doctor who did my surgery is not my doctor but a surgeon from a different town. I can not give them something I dont have. I am now in yhe process of eviction so I dont even have a place to live. Their threatening and harassment is insane I would never recommend the company to anyone. I regret ever even getting a loan from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

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 2025-09-14 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I was misled by CareCredits promotional program. Ive been using CareCredit for over 10 years, always paying off the promotional balance before the end date. Ive come into financial hardship and I was never clearly told about retroactive interest, CareCredit made it sound like I would have interest on the remaining balance, not the entire balance, and I would pay it in the same way that I would pay a regular credit card interest. I made regular payments in good faith, sometimes over the minimum, and after the six month promotion, I now owe more than I borrowed. I feel misled. The original amount was {$3300.00} and Ive made over {$700.00} worth of payments and they charged me over {$600.00} in interest and now I owe over {$3500.00}. Its so misleading and unethical.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-14 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am a victim of identity theft, and I am disputing the account being reported by XXXX  ( Account ending XXXX  XXXX ). This account was opened in XX/XX/XXXX and is now showing a balance of {$3500.00}, reported as charged off in XX/XX/XXXX. The account lists a first delinquency in XX/XX/XXXX and a charge-off status beginning in XXXX. 
I did not open this account, authorize this debt, or use any credit from XXXX. This account is the result of identity theft and does not belong to me. The reporting of this fraudulent account is inaccurate and is harming my credit. 
I am requesting that this account be investigated and permanently removed from my credit reports in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681c and 1681i ). I also request that I not be held responsible for any balance, fees, or collection activity related to this fraudulent 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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I contacted Equifax, Transunion, and Experian for debt Valadation.

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 2025-09-14 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: SOP Pioneer Partners LP
State: GA

Complaint narrative:
Over charged interest rate higher than 36 % from XXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: PA

Complaint narrative:
I am submitting a formal complaint against Experian for continuing to report inaccurate and unverified information on my credit file. This matter was already addressed under CFPB Complaint No. XXXX on XX/XX/XXXX, but Experian failed XXXX properly investigate or provide documentation required under the Fair Credit Reporting Act ( FCRA ). 

The account in question is an auto loan ending in XXXX, which Experian continues to report with delinquent payments for XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These late payments remain unverified and inaccurate. 

Under FCRA Sections 609, 611, 607 ( b ), and 623, Experian is required to verify the accuracy of this data or delete it. No original signed documentation, payment records, or method of verification has been provided. Continuing to report this unverifiable information violates federal law and damages my creditworthiness. 

I am requesting that the CFPB enforce compliance with the FCRA, require Experian to permanently delete this unverifiable account, and provide me with written confirmation of deletion.

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 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: DE

Complaint narrative:
Complaint

Against : Chime Financial , Inc.

Issue : Disputed transaction services not provided Claim ID : XXXX Account Ending : XXXX Dispute Amount : {$810.00} What happened I purchased XXXX XXXX coins with the understanding that I had 360 days to use them. Dates range from XX/XX/XXXX XXXX XXXX XXXX  amounts range from XXXX - XXXX The merchant later closed my account due to a new law, which prevented me from accessing or using the services I paid for. The merchant stated that refunds would be issued for unused balances, but I never received a refund. 

On XX/XX/year>, I filed a dispute with Chime for non-receipt of goods/services in the amount of {$810.00}. 

Chime investigated and sent me a final letter stating no error occurred and closed the claim. However, I never received the services paid for, nor the promised refund. 



Why I believe Chime is wrong The transaction clearly resulted in services not rendered. 
Chime has refused to credit my account. 
Chime has not provided me with documentation or records relied upon to deny the claim, despite my request. This violates my rights under Regulation E ( Electronic Fund Transfer Act ). 



Resolution I am requesting 1. That Chime reopen and properly investigate my claim.

2. That I be provided with all documents, merchant responses, and records used in Chimes denial.

3. That Chime refund the {$810.00} to my account for services not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I have attempted to contact the company ( Affirm ) to inform them of the identity fraud created in my name. The customer service representatives refused to assistance me on numerous occasion. I was refused the legal address to mail any correspondence and even resorted to recording the call for any legal actions that will be taken. 

I attempted to inform them my cell phone company had a breach in customers information and I had to sue XXXX for a representative switching my service to another person states away. 

This is my last resort and hope before any civil action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX [ Eqiufax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Transunion XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

Re : Request for Investigation and Deletion of Unverifiable Information under the Fair Credit Reporting Act To Whom It May Concern : I am writing to formally dispute certain information currently being reported on my credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I am requesting an investigation into the accuracy and verifiability of all information reported in my credit file. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX  Please be advised that any item in my credit report that can not be verified must be promptly deleted. The FCRA requires that you complete your reinvestigation within 30 days of receiving this dispute. If the information provider can not produce documentation proving the accuracy and completeness of the information, it must be removed from my credit report. This is not optional it is a legal obligation under federal law. 

Do not rely on electronic or third-party databases to verify the accounts in question. Verification must come from the original furnisher of the information, supported by documentation that is independently verifiable. 

In accordance with 611 of the FCRA, I am requesting that you : 1. Conduct a full and fair reinvestigation of all items that may be unverifiable ; 2. Delete any information that can not be verified within the statutory timeframe ; 3. Provide me with a free updated copy of my credit report after your investigation is complete ; 4. Provide written documentation of the results of your reinvestigation, including the name, address, and contact information of each data furnisher involved. 

Please find enclosed the following documents for identity verification, as required : A copy of my government-issued photo ID A copy of my Social Security card A recent utility bill or bank statement as proof of address This letter is submitted in good faith in accordance with my rights under federal law. Failure to comply with the FCRAs provisions could result in further action to enforce my rights. 

Thank you for your prompt attention to this matter. I expect to receive a response within 30 days, as required by federal law. 

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