vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
At the time this account was reported and during the period Portfolio Recovery claims ownership, I was seriously ill and dealing with significant health issues. Because of my condition, I was unable to manage financial matters or respond to collection activity. As I am now recovering, I have discovered that this account continues to harm my credit. 

Portfolio Recovery responded to my prior complaint but did not address the primary issue I raised. I did not request a billing summary or a general explanation of debt purchasing. I requested proof that I authorized my personal information to be transferred, handled, and reported by this company while I was medically incapacitated. No such proof was provided. 

Texas law recognizes seniors as a protected class and prohibits unfair or deceptive practices that take advantage of an XXXX consumers condition or vulnerability. Reporting and continuing to report negative information without addressing consent or medical hardship places an unfair burden on a senior consumer and does not meet fair dealing standards. Another collection agency reviewing similar information has already removed their reporting, which further supports that my information was handled improperly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: American Credit Acceptance, LLC
State: PA

Complaint narrative:
The finance company insisted that had no knowledge of where my vehicle was or where it was being shipped to.They had no knowledge of why my car after being reinststed that it was being shipped to auction.For 7 days they couldnt tell me wjere or whem my vehicle would be available.It was supposed to be shipped to the pennslyvania auction according the the paperwork the auction received from the finance company.The finance company never found my vehicle for me, eventually the auction notified me that my vehicle showed up at the new jersey location, which was nwver supposex to happen.I was told no fees at the auctuin in P.A.now i have to pay XXXX on New Jersey and find a ride there.If the finance company had followed P.A. repossesion laws which stste a vehicle is not suoposed to be sent for 20 dsys after reposessed.This mix up caused me to not be able to get my vehicle back in a reasonable time after i had paid to reinstate it, i lost my job bc i was nkt able to get to work for over a week amd couldmt give a definitive answwr on when i wluld have my vebicle to return bc the finance compamy saud they had no idea where my car was.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Have requested by phone past statements ( XX/XX/XXXX through XX/XX/XXXX Closing ) for a divorce litigation. Have been told several times that they have no access to this account or have no records available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX, Date of Birth : XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  BALANCE : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX BALANCE : {$690.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Date : XX/XX/year> XXXX XXXX Mail & Electronic Communication XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX Re : Cease and Desist Notice Account Number : XXXX To Whom It May Concern, This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c, that I am requesting you cease and desist all communication with me regarding the above-referenced account. 

This request includes, but is not limited to : Telephone calls Written correspondence Electronic communications Reporting, updating, verifying, or re-reporting this account to any consumer reporting agency, as such reporting constitutes a form of communication under the FDCPA You are hereby directed to immediately cease all collection activity, including continued credit reporting or furnishing of information related to this account.

Any further communication from your companyoutside of one written notice confirming compliance with this request or notice of specific legal action you intend to takewill be considered knowing and willful noncompliance with federal law and may subject you to civil liability under 15 U.S.C. 1692k.

Please govern yourselves accordingly. 

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 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On early XXXX, I used XXXX  ( funded by a debit XXXX ) to pay for a XXXX XXXX purchase that was advertised as {$9.00}. I was charged {$59.00}. The seller later stated that the additional amount was for a subscription, which I did not knowingly agree to and for which no service was provided. 

I opened a dispute with XXXX  for an unauthorized or misleading charge. XXXX  requested supporting documentation, but the XXXX  app repeatedly failed when I attempted to submit it. Both JPEG uploads and the required text explanation returned error messages and would not submit, despite multiple attempts on different connections. 

Because of these technical failures, I was unable to provide the requested documentation. XXXX  then denied my dispute due to lack of documentation, even though their app prevented submission. 

I am requesting review of XXXX handling of this dispute and a fair opportunity to submit my evidence, as I was denied the ability to do so due to system errors beyond my control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: NY

Complaint narrative:
Chase has refused to refund me a fraudulent charge that I immediately reported, despite voluminous documentation that the charge was fraudulent. The merchant already said they would offer me a full credit because I was the victim of a crime, and has repeated this multiple times, but the credit has not been processed. 

On XX/XX/year> I took a taxi from XXXX XXXX to my home in XXXX XXXX. The driver scammed me. He claimed the screens werent working but assured me the meter was on. When we arrived at my home, he quoted me a price almost double what is typically charged for that ride, and would not let me leave or get my luggage until I paid it and tipped him. With no choice I did, and despite that, he charged me an ADDITIONAL {$30.00}, bringing the total charge to {$98.00}, which I did not authorize at all and didn't even know was being charged until I saw the credit card statement. 

I immediately reached out to the merchant who apologized and offered me a complete refund. I have followed up multiple times and they keep assuring me that my refund will be processed, but they never provided it. I have the full correspondence including the promises to credit me. I also attached my complaint to the XXXX XXXX reporting the crime, as further evidence that this was criminal fraud. 

Despite this, Chase denied the dispute without reviewing any of the materials, instead providing an illegible and incorrect " receipt '' from the merchant that was not for our trip. The " documentation '' they provided is for a trip that happened before our plane even landed, and is a metered trip, which our driver did not run. There is in fact no metered trip for the amount I was fraudulently charged. They continue to refuse to refund me for this fraudulent charge I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
CFPB COMPLAINT FCRA VIOLATIONS ( EXPERIAN ) Consumer : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NJ XXXX T

his complaint is submitted regarding Experian Information Solutions , Inc. for violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Experian failed to conduct a reasonable reinvestigation after I disputed inaccurate and unverifiable charge-off accounts reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Despite receiving proper notice, Experian verified the accounts without providing documentary evidence or the method of verification, relying on automated systems in violation of FCRA 611 and 1681e ( b ).

I previously sent Experian a formal Failure to Investigate / Intent to Sue notice. Experian has not corrected or deleted the inaccurate information.

I am requesting CFPB intervention to compel Experian to comply with federal law, delete the unverifiable tradelines, and provide written confirmation of compliance

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 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I have been banking with Chime for approximately 4 years. I've been retired the whole time so they get my monthly Social Security retirement benefits like clockwork each month. I utilize their features such as my pay and instant loan. Every month when my direct deposit is made my my pay loan is paid back immediately, every single month. Things have been a little rough so I also took advantage of their {$300.00} instant loan last month. When my direct deposit came in this past Friday my my paid debt was immediately paid off. Yesterday, I paid off the {$300.00} instant loan six days early. They are telling me that I'm not eligible for my pay money now until my next direct deposit in XXXX. I'm moving at the end of this month and that is absolutely devastating to me. I feel like I've been a good customer who has done everything right and I'm still being penalized. I'm hoping they see this and realize maybe they need to change their policies on some issues. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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:
This account is inaccurately reported under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Roadrunner Account Services, LLC
State: GA

Complaint narrative:
XX/XX/year> i esigned a retail installment sale contract {$10.00} i called the salesman 2 days later to ask him to come get the golfcart he advised me to call roadrunner finance and so road runner finance told me to just tell the salesman to come get the golfcart.... so i went back and forth we the salesman and roadrunner finance for over a month before they come got the golfcart.... the golfcart was kept under a tarp .. there was no damage done to it at all .. i took over 30 pictures of the golfcart after i ask them to come get it back so i would have pictures of proof of no damage done to the golf cart... roadrunner finance has a aggregate unpaid balance of XXXXXXXX Gross proceeds from sales XXXXXXXX Now a balance due of XXXXXXXX 
That salesman persuaded me to take it home and try it out .. he delivered that golfcart to my hs in about 1 hour after i was tricked into esigning some documents .. i tried the golfcart out and 2 days later ask him to come get it.... now i have a repossession on my credit .. Im tired of young fast talking sales people taking advantage of me ... im XXXX XXXX XXXX now and this has to be stopped....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc.
State: ME

Complaint narrative:
I spoke to a representative of Seventh Avenue after receiving a collection notice in the mail in XX/XX/year>. The balance owed is {$270.00}. I provided my information, and I was told my information didn't match anything in the system. I asked the rep how I received a letter. She restated that my information didn't match. The rep never sent me a notice stating my info didn't match their system. Yes, they have my name, date of birth, and ssn, but the address nor phone matched what I provided them. It is still attempting to be collected, however. I have also repeatedly disputed this debt with the credit bureaus, as well, and still have gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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 am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the Equifax data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 
1. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX 2. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX 3. The inquiry was not authorized XXXX XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 
10. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 
12. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint because my bank denied my dispute for a charge from XXXX even though XXXX canceled the order and never provided the goods. 

On [ XX/XX/year> ], I placed an order with XXXX. XXXX later canceled the order on their end. Despite the cancellation, XXXX kept the money and did not issue a refund. The charge fully settled on my account. 

I contacted my bank and opened a dispute. I provided evidence that : The order was canceled by the merchant I never received the item XXXX own order history shows the cancellation Despite this, my bank denied the dispute and sided with the merchant without properly investigating. This is a billing error under the Fair Credit Billing Act because the merchant canceled the transaction and did not provide the goods.

I am requesting that the CFPB require my bank to : 1. Reopen and properly investigate the dispute 2. Provide a written explanation for their denial 3. Issue a refund for the canceled transaction I have attached screenshots and documentation showing the cancellation and the settled charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
GM Financial falsely claimed in the prior CFPB complaint that they offered me a payment arrangement on XX/XX/year>. In fact, they refused my {$700.00} payment, refused to set up any payment arrangement, and stated that the loan was charged off. They also indicated that repossession would be required and instructed that my lawyer contact their lawyer. These statements are inaccurate and misleading, create ongoing risk of improper repossession, and prevent me from exercising my right to reinstate or redeem my loan prior to repossession. This complaint is based on these new developments, following a prior CFPB complaint that was closed for jurisdictional reasons, and the matter has also been filed with the Maryland Attorney Generals Office, which forwarded it to the Maryland Department of Finance for regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
On XX/XX/year>, I received a communication debt collection letter from XXXX XXXX XXXX XXXX XXXX . in an attempt to collect a debt on behalf of LVNV Funding LLC. According to my consumer credit report, LVNV Funding LLC reported this collection account without properly notifying me on XX/XX/year>. I attached a individual copy of the account information for verification and a copy of the initial letter from XXXXXXXX XXXX XXXX XXXX, with the date of the initial letter. It show that LVNV Funding LLC, has reported 2 " CO '' payment notifications in the payment history.

1.This is a violation of the Fair Debt Collection Practices Act. This rule comes from the CFPB Regulation " F '', which implements and interprets FDCPA provisions related to credit reporting- A collector can not immediately report a debt to the credit bureaus before you've been notified of the debt.

2. Failed to provide Validation Notice and FDCPA contact rules.

3. Violated the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: TN

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with explanation