vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Telerecovery Corporation
State: LA

Complaint narrative:
I am filing this complaint because a debt collection agency TeleRecovery XXXX XXXXXXXX has continued to contact me regarding an alleged debt even after I sent a formal Cease and Desist Letter under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. I clearly requested that they stop all communication with me about this account, but they have continued to call, email, or mail me after receiving my written notice.Their continued communication is a violation of my rights under the FDCPA, which prohibits debt collectors from contacting a consumer after receiving a written request to stop. I am requesting that the CFPB review this matter and ensure the company ceases all contact, removes any false reporting from my credit file if applicable, and complies with all federal collection laws.

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 2025-12-05 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi Chase failed to provide the detailed reasons why these disputes were denied. The documents that Chase uploaded is not correspondence related to the cases XXXX XXXX XXXXXXXX {$2500.00} XXXX XXXX XXXXXXXX {$1400.00XXXX XXXX XXXX XXXXXXXX {$1500.00} We truly didnt receive the final products and need to escalate the disputes. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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.
State: OH

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit report and found several hard inquiries that I did not authorize. These include, but may not be limited to : XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX I have not applied for credit cards, auto loans, or other credit products with these companies, nor did I authorize these inquiries. I am concerned these may be the result of identity theft or an error. 
I have contacted the credit bureau ( s ) to dispute these inquiries and requested an investigation, but the issue remains unresolved. 
I am requesting that these unauthorized inquiries be removed from my credit report as they were made without my consent and are negatively impacting my credit score. Please investigate and take appropriate action to correct my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: OH

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit report and found several hard inquiries that I did not authorize. These include, but may not be limited to : XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX I have not applied for credit cards, auto loans, or other credit products with these companies, nor did I authorize these inquiries. I am concerned these may be the result of identity theft or an error. 
I have contacted the credit bureau ( s ) to dispute these inquiries and requested an investigation, but the issue remains unresolved. 
I am requesting that these unauthorized inquiries be removed from my credit report as they were made without my consent and are negatively impacting my credit score. Please investigate and take appropriate action to correct my credit file.

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

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 2025-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: CA

Complaint narrative:
I applied for an Unemployment Deferment on XX/XX/year>. My application was improperly denied for insufficient documentation, and the company instead placed the account on an unwanted Forbearance. 

I resubmitted my application, this time including the official State of California Notice of Unemployment Insurance Award. This official government document clearly establishes my eligibility for the federal deferment.

The servicer again denied the document, during an escalated call, claiming the document lacked my full name. These are unreasonable and unwarranted technical rejections of official state proof. 

I called the servicer on XX/XX/year> to resolve this issue and reference a separate complaint filed with the Federal Student Aid ( FSA ). I was connected to an advanced agent but was placed on and off hold for two hours. The agent was difficult to understand due to technical difficulties on their side. The call was ultimately disconnected or terminated by the servicer while I was on hold for an escalation, preventing any resolution.

The servicer is refusing to accept legitimate state-issued documentation to process a legally available Unemployment Deferment and is instead keeping the account in an incorrect, Forbearance status.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed multiple inaccurate tradelines with Equifax on [ XX/XX/year> ]. XXXX tracking XXXX shows delivery on XX/XX/year>. The 30-day reinvestigation window ended XX/XX/year>. These items still display inaccurate or incomplete information, and I have not received an adequate method-of-verification. 

Accounts in dispute : XXXX XXXX XXXX XXXX tradeline : balance/date/status remain inconsistent ; DOFD and dispute notation issues persist. 
XXXX XXXX  credit-card tradeline : incorrect balance/status/date fields remain. 
XXXX XXXX ( XXXX ) retail tradeline : balance/date/status inaccuracies remain. 
XXXX XXXX XXXX collection : continued reporting without adequate validation ; balance/date inaccuracies remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I received and e-mail from an unknown source ( they gave a name I have never heard of or know ) stating that a withdrawal was made on my paypal account.

I attempted to sign into my Paypal account and it would not accept my password that I have written down in a file.

I changed the password, note I have two factor identification in place I checked the account ( not through their link ) an see that the person/business deposited {$0.00} to the account.

I filled a dispute with Paypal stating that I had every reason to believe that someone tried to access the account but was unsuccessful.

Paypal responded that nothing happened and no action was taken, the dispute was closed.

I logged back into paypal and attempted to close my account, paypal responded that the account could not be closed because of an open dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit report and found several hard inquiries that I did not authorize. These include, but may not be limited to : XXXX XX/XX/XXXXXXXX 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 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 XXXX XXXX have not applied for credit cards, auto loans, or other credit products with these companies, nor did I authorize these inquiries. I am concerned these may be the result of identity theft or an error.

I have contacted the credit bureau ( s ) to dispute these inquiri
es and requested an investigation, but the issue remains unresolved.

I am requesting that these unauthorized inquiries be removed from my credit report as they were made without my consent and are negatively impacting my credit score. Please investigate and take appropriate action to correct my credit file.

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 2025-12-05 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:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AR

Complaint narrative:
On XX/XX/XXXX fraudulent charges were made on my chime card. I have sent you all a complaint about this issue. The complaint id is XXXX. I have received {$600.00} back from chime thank you to you all! I had 2 disputes with them. One was {$600.00} and the other was {$160.00}. As I said before they have given me my {$600.00} back but they still denied my {$160.00} dispute. These charges happened on the same day and at the same store ( or at least the same company? ) anyway those were not made by me. I want my {$160.00} back as well. I dont understand how they approved one dispute and deny the other one when it was all the same day time frame and same location. I was at work when these transactions happened and I have transactions and pictures proving I was not in XXXX XXXX where the transactions took place. The photos I have attached is my time card, a screenshot of my workday showing I work in XXXX, a screenshot of a transaction that I did make that day at a place in the mall called XXXX XXXX and I also have a picture of that location stating it is in XXXX. I also attached a screenshot of my disputes where Chime approved the {$600.00} but denied the {$160.00}. 
Thank you so much for helping me, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I am formally disputing the collection account reported by TrueAccord Corp for {$300.00}, associated with Account # XXXX. I have never received any written notice of debt as required by law, nor have I received any validation documentation to substantiate this alleged obligation. To date, TrueAccord has failed to provide a copy of any original creditor agreement bearing my signature, itemized account statements, lawful ownership documentation showing assignment or chain of title, or any business records proving the accuracy and legal status of this debt. 
Despite my dispute, this unverified account continues to be furnished to the credit bureaus. Reporting or verifying a debt without possession of evidence sufficient to establish liability violates FDCPA 1692g ( a ) for failure to provide the required validation notice, FDCPA 1692e and 1692f for false representation and unfair collection practices, and the duty to reasonably investigate under FCRA 1681s-2 ( b ). In addition, continuing to furnish unverifiable information violates FCRA 1681i and 1681s-2 ( a ) ( 1 ) ( A ) which prohibit reporting inaccurate or unsubstantiated data.

I have researched TrueAccord and the debt collection industry and am aware that your company has faced repeated consumer complaints and legal actions alleging failures to validate debts and improper credit reporting. The continued reporting of this account without providing lawful verification constitutes willful non-compliance with federal consumer protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am disputing the collection account reported by TSIXXXX for {$590.00} associated with Account # XXXX. I have never received a written notice of debt from this company as required under FDCPA 1692g ( a ), nor have I been provided with any form of lawful validation despite my dispute. To date, TSIXXXX has failed to supply documentation proving I owe this debt, including the original signed contract, itemized billing statements, documentation establishing chain of title or legal assignment to collect, or any business records supporting the balance being reported. 
TSI/XXXX  continues to furnish this account to the credit bureaus without possessing or providing sufficient proof that the debt is valid. Verifying or reporting a debt without evidence constitutes a failure to conduct a reasonable investigation, violating FCRA 1681s-2 ( b ) and FCRA 1681i, and constitutes inaccurate furnishing under FCRA 1681s-2 ( a ) ( 1 ) ( A ). Additionally, representing an unverified debt as collectible violates FDCPA 1692e and 1692f, which prohibit false, deceptive, and unfair collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
The charged 86.75 % XXXX and I had to pay back more then what I was given. I just want you to know they are charging people outrageous prices for being in a hard situation and that was the only way out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing a complaint because both XXXX and Jefferson Capital Systems have sent text messages about my debt to my mother, a third party. 

The messages included my full name, the creditor name ( XXXX XXXX / Jefferson Capital Systems ), a payment link, and language indicating that the sender is a debt collector. These disclosures violate FDCPA 15 USC 1692c ( b ), which strictly prohibits debt collectors from communicating with anyone other than the consumer about a debt. 

The Jefferson Capital Systems message stated my name ( XXXX XXXX XXXX, listed XXXX XXXX, and provided a payment portal link. 

The XXXX message also referenced XXXX XXXX and included a verification code and debt payment link, again sent to my mother. 

These are unlawful disclosures of debt to a third party. I did not authorize any communication with my mother regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
XX/XX/2025. At XXXX, XXXX shopping after a long day. At checkout we were asked if we were part of the rewards program, I said no. She asked if we wanted to save 10 % off our purchase today to sign up for free. She said it would only take a few minutes to become a member so I agreed. 

Not once did she say credit card, only rewards card. Yes, I assume some responsibility for not reading the signup info on the terminal very well. But she was very innocent and sweet and coaching me through - first its just asking for your consent to sign up for rewards. Just press accept and so on for the process. When I got to the section that questioned my income I said wow this is more in depth than I thought haha and she says you can just put anything there it shouldnt be too big a deal. So I press through again just kind of glancing over it. Then she says congratulations you were approved! Heres your temporary card information Instantly my heart dropped as I realized how stupid and tired I am. I felt absolutely tricked, at my local store, in the same way I would feel scammed on the phone by a stranger in another continent. I immediately regretted what happened and knew it would impact my credit with inquiries. I ignore card offers in the mail weekly for that exact reason. And here I am, feeling very frustrated and misled. 

We did not take the 10 % discount as I didnt want any reason to use the card or any further playing into this at all.

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 2025-12-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This account was officially closed in XX/XX/year> following a formal dispute. I never authorized any reopening of this account. I also never received any reinsertion notice as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Despite this, the company has falsely reported the account as active, added new late payments after closure, increased the balance without authorization, and is now actively attempting to collect through both phone calls and billing emails. On todays date, I received a billing statement demanding {$1700.00} with a minimum payment due, even though the account was closed months ago. 
This conduct constitutes : Illegal reinsertion without notice ( FCRA ) Inaccurate and misleading credit reporting ( 15 U.S.C. 1681s-2 ) Unauthorized billing activity Continued collection efforts during a formal dispute ( FDCPA 1692c & 1692e ) I have provided additional documentation showing month-to-month balance fluctuations and changing scheduled payment amounts in 2025 despite no payments being made and the account being closed since XX/XX/year>. The balances decrease and increase inconsistently, confirming improper re-aging, inaccurate balance reporting, and active treatment of a closed account. Since submitting this complaint, the company has continued to call and email me attempting to collect on this unauthorized, reactivated account despite the account being formally disputed. This further establishes violations of the Fair Credit Reporting Act and unauthorized account activity.

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 2025-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Ive made multiple attempts for them to correct my payment history because the agent said when I got on a payment plan it would affect or show up as late payments and my payment history is being affected by this

Company response to consumer: Closed with explanation