vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CT

Complaint narrative:
On XX/XX/year>, at XXXX, I was laying in my bed when I got a notification that {$200.00} was withdrawn from my checking account at an ATM. Once I noticed the notification, I contacted Chime to shut down my card and send me a new one. I then had to wait a few days to file a dispute charge for the amount. I called back once the charge was finished pending and answered all of the questions honestly. However, because I never lost my card, they assumed I was the one who took out the funds and denied my request. I then called them to appeal because I had accurate screenshots of my location at the time and I sent it to them with my appeal. I was denied again. After that I called to speak to a supervisor and she requested that I send in the information again, so I appealed again and was denied. Finally, a few days later I called to speak to a new supervisor and he said they never recieved my documentation?! And even told me that it's not possible for someone to take money from an ATM without my card, which is not true, because people have many ways to which they can retrieve your information. Once, I told him that, he once more asked me to resend the documentation again. And once more I was denied. Someone took {$200.00} from my account and it wasn't me, yet I have to depend on people to help me to get it back and they aren't looking at my documentation and are calling me a liar. I've been a loyal customer to this company for 5 years and I am super annoyed and disappointed on how this situation has been handled. I just want my money back at the end of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Subject : Formal Notice of Failure to Release Vehicle Title Account Paid in Full To Whom It May Concern, This letter serves as formal written notice that I, paid off my TitleMax loan in full on XX/XX/year>. As of today, XX/XX/year>, I have not received my vehicle title, nor any confirmation that it has been released by your office. 

I was told I would receive my title by XX/XX/year>, but as of this date, there has been no progress or communication beyond excuses about payment clearing. It has now been well beyond a reasonable timeframe for processing. Texas law requires lienholders to release titles within a prompt and reasonable period after payment in full, generally no later than 10 business days. 

Please consider this my final notice : If my vehicle title is not released and in my possession by XX/XX/year>, I will file a formal complaint with the Texas XXXX XXXX XXXX XXXX XXXX ( OCCC ) and explore legal action for unreasonable delay and any financial harm caused by your failure to act in accordance with state law. 

I have been a faithful client of TitleMax, but this experience has severely damaged my trust in your company. I expect this matter to be resolved immediately. 

I requested the return of my vehicle title after fully paying off my TitleMax loan on XX/XX/year>. I was told by the store Manager representative that if I paid in cash, I could receive my title the same day. Because I paid by debit card, I was told it would take 5 business days for my payment to clear, and that I could pick up my title by Tuesday, XX/XX/year>. When I went to the store on Wednesday, XX/XX/XXXX, I was told my title was still at the DMV and not available. No one followed up with me, and I have not received my title as of XX/XX/year>. I also tried calling the corporate office but the number just rings and no one answers. 

I want to understand why I was misled about when I would receive my title and why there has been no communication or resolution. It feels like Im being punished for paying off the loan early and avoiding additional interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> I received an alert from XXXX  that my score had dropped from XXXX to XXXX. Stating Capital One had reported that I was {$7.00} in fee or use. I'm not understanding why or where they got this from. This is ongoing harassment from not only Capital One but XXXX. As I just recently reported Capital One for saying I was late on my payment when I was not. And I reported XXXX  for deducting XXXX points off my score dropping me from XXXX. And also falsely accusing me of deleting XXXX from one of my accounts that I report monthly. Needless to say I am attaching proof of the false and inaccurate claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
This is not a duplicate complaint. It is an extension of previous complaint whereas Capital One has provided unclear or no information. Capital One has continued to make excuses for not providing an answer to my questions in the letter addressed to the CFPB dated XX/XX/2025 ( attached ). Capital One has a good faith obligation to provide the requested information. If Capital One refuses to respond to the XX/XX/2025 questions it will be assumed that Capital One can not and will not and does not know of any rule to support the denial of charge back for their following reason. This failure to provide information may be used in further legal proceedings as an admission. 

" Based on the information we received, the merchant 's decision not to honor your refund request appears consistent with the terms and conditions the merchant makes available to consumers with the purchase at issue. '' Also I have sent a letter of authorization to Capital One via XXXX mail tracked delivery on XX/XX/2025 regarding the alleged unauthorized other person who Capital One seems to also think is submitting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JPMorgan Chase Bank continues to report monthly updates on three closed, charged-off accounts ( ending XXXX, XXXX, XXXX ). These repeated last updated entries keep the accounts appearing active and negatively affect my credit score. Under FCRA 623 ( a ) ( 2 ), furnishers must correct and stop furnishing obsolete or misleading data. I request that Chase cease monthly reporting, confirm whether Form 1099-C was or will be filed, and update all balances to {$0.00} or delete the tradelines entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year> I received an alert from Experian that my score had dropped from XXXX to XXXX. Stating XXXX XXXX had reported that I was {$7.00} in fee or use. I'm not understanding why or where they got this from. This is ongoing harassment from not only XXXX XXXX but Experian. As I just recently reported XXXX  XXXX for saying I was late on my payment when I was not. And I reported Experian for deducting XXXX points off my score dropping me from XXXX. And also falsely accusing me of deleting XXXX from one of my accounts that I report monthly. Needless to say I am attaching proof of the false and inaccurate claims.

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 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
LVNV FUNDING LLC account # XXXX. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide Certified mail, with receipt displaying my signature.If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Resurgent Capital Services, on behalf of LVNV Funding LLC, is reporting and attempting to collect a fraudulent account that was sold to them by XXXX XXXX Bank. The account was opened using a fraudulent address XXXX XXXX XXXX XXXX, XXXX, AZ XXXX which has never been associated with me. 

XXXX is using false address information and continuing to furnish inaccurate data to the credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting an investigation, the permanent deletion of this fraudulent account from all credit reports, and confirmation that Resurgent Capital Services cease all collection and reporting activity related to this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the debt referenced above. I have no agreement or direct relationship with your agency, and therefore I do not acknowledge this debt as valid or collectible by LVNV FUNDING LLC I request that you provide a full validation of this debt, including : o A copy of the original contract or agreement with my signature o A complete payment history, including the original amount and any interest or fees Until you provide proper verification, you must cease all collection activity in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Additionally, this debt is being reported to the credit bureaus. As it is disputed and unverified, I formally request that LVNV FUNDING LLC remove this account from my credit report immediately, as required by the Fair Credit Reporting Act ( FCRA ), if you can not validate it. 
Please respond to this request in writing. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2025 I checked into the XXXX by XXXX XXXX in XXXX Florida. It was a special occasion, my daughters XXXX birthday. I was required to make a deposit of {$100.00}. I didnt have much money after buying her gifts and taking her and her friends to the hotel for a sleepover. I used my cash app card reluctantly because I had a bad experience for my birthday the year prior with cash app. I decided to go ahead and paid the deposit using that card and checked into the hotel. This was for only XXXX night so the next day I checked out. The hotel informed me that they did release the money back and my financial institution would release it in XXXX business days. I said ok and waited. XXXX days went by I called cash app to ask why it hadnt been released the customer service representative informed me that the money was showing but would not be released until XX/XX/XXXX. I then got frustrated and ended the call because he was telling me there was nothing they could do for me. I needed that money I only make {$400.00} a week and was trying to make my daughter feel special for her birthday. Its been XXXX  days as of today and my family need that money and they still will not release the money to me and refuse to give me a legitimate reason. I would like this matter further investigated because as a consumer I feel that once I pay and follow all the rules then the rules should be followed concerning me as well. Return the deposit to my cash app after the merchant release it. I have suffered since because I get paid every XXXX weeks so Im going without until my next paycheck. This is unfair practice to hold a deposit that long without giving cause. I dont know how this would be handled but cash app is a major company and Im just a small fish in a big pond. Prior to filing I called and spoke with XXXX and a cash app advocate that hung up on me after being rude and stating that the merchant was responsible.The money I used is good so I shouldnt have to wait on them to release it cash app is for payments to merchants as well as making deposits that should be be released back in a timely manner. I was on the phone for XXXX hour trying to resolve this to get nowhere, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Central Research Inc
State: DE

Complaint narrative:
I have complete some schooling XX/XX/year>. I was not informed that CRI had taken over my student loan after I left school. However, I have not yet completed my program I am currently waiting for nursing school to process my application to begin clinicals. I also understood that I was entitled to a XXXX-month grace period before repayment began. During that time, I submitted an application for the Income-Driven Repayment ( IDR ) plan. Which would have taken effect XX/XX/year> and it did. 

Unfortunately, I was unaware that CRI had become my new loan servicer. The mail I received from them appeared to be unsolicited correspondence, and since I had not been notified of the transfer, I mistakenly discarded it. I never received a phone call or direct communication informing me of the change. 

As a result, I did not realize my account was no longer under a grace period, and a XXXX late payment was reported to the credit bureaus. This negatively impacted my credit score and has caused significant setbacks, including delays in my ability to make certain purchases. I have already filed a dispute regarding this issue the first was denied, and the second is still pending. 

I believed I was in compliance and covered under the six-month grace period while my IDR application was being processed. This situation appears to be a misunderstanding due to lack of communication and unclear transition between loan servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard XXXX not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I contacted the debt collector multiple times on XX/XX/year> and XX/XX/year>. I was given no response to the certain questions I asked. The information that I have requested has not been provided to me. I asked to have a copy of what is left for me to pay off the debt and also asked to see a list of transactions that have already been made. Under the fair debt collection practices act it is required by law that I am provided with information regarding my payments and outstanding balances. I have requested and I am currently requesting payment history details and current outstanding balance. 
The website is psclaw.net. I contacted them via the email I was given during court collections. They failed multiple times to answer my request and have not been responding to me since

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 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MO

Complaint narrative:
I had a payment sent to chime from social security. I received my direct deposit from social security to time. So security gave me a tracking number. Chime use that tracking number and said that they have not received the payment. Although social security says they have received it and processed it as of XX/XX/year>, it was sent by so security to my chime account. And chime says they did not receive it. I had closed my. 
Account but then reopened it and the time personally person. I spoke to on the phone said they received it on the XXXX of XXXX and send it back and have not received it again. XXXX XXXX Tells me they sent it on XX/XX/XXXX for the second time. And it was processed by chime. I feel as though they are delaying my payment. Because I had closed my account and reopened it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: TX

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXX  Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report.

2. Identity Theft XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from 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 explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/2025 my account was hacked. The person/people was able to steal over {$6000.00} from my Chime account. I had to contact Chime just to regain access to my account because the hackers changed my email address on my account. I also filed a police report with XXXX police as well as XXXX  state police cyber unit. Ive provided all of this information to Chime as well as any other information I had and theyre refusing to give me all of my money back. Theyve given me {$1000.00} out of the {$6400.00} stating that no fraudulent activity was detected.

Company response to consumer: Closed with monetary relief