vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XXXX XX/XX/year> this company is violation my rights the not validation info under12 cfr 1006.34 b 5 the put a collection on my Credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I was charged {$380.00} by XXXX under XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' for XXXX follower maintenance and growth for one year. The company delivered fake/bot followers that XXXX later removed, causing my follower count to drop from XXXX to XXXX in XX/XX/XXXX. 

I contacted XXXX via email on XX/XX/XXXX and XX/XX/XXXX, requesting a full refund due to false advertising and failure to provide the promised service, but received no response. I also contacted my bank on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX, XXXX, to block the merchant and dispute the charge. The bank has refused to assist further due to their XXXX dispute policy ; however, I explained that the follower drop only became apparent in XXXX when XXXX detected and removed the fake accounts. 

I am seeking assistance to obtain a full refund for services that were not provided as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-28 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: FL

Complaint narrative:
XXXX XXXX continues reporting delinquency on a closed 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 non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: WV

Complaint narrative:
On XX/XX/scrub> 2025 I was notified that I had a collections from National Credit Systems on my credit report regarding an apartment where I previously resided. The original amount on my credit report was {$4900.00}. This was the first time I have been notified about this bill existing. I was never sent any information by my previous landlord nor National Credit Systems. I called the collections agency whom I have never spoken to nor had I received a bill from. I asked them to validate the debt and they sent me a letter that did not include when I had to pay this bill or that I had the right to dispute it. This was sent to the credit bureaus without my knowledge of this even existing or the collection agency contacting me. The credit bureaus should not have reported this on my credit report. I have made several disputes and they will not remove this collections. I disputed this collections on XX/XX/year>2025, XX/XX/year>, XX/XX/year>, and XX/XX/year>. The debt collector never provided any proof that they attempted to contact me or spoke to me. I'm unsure of why the credit bureaus consider this legal. After several attempts to get this removed for my credit report the collections amount changed to XXXX. They accepted a falsified document sent to them months after this was originally reported. This document came allegedly from the corporate office of my former landlord. Nothing in this falsified letter matched up to what the property manager of my former landlord had sent to the collections agency. None of the information I have was provided to me by my former landlord. It was provided to the collection agency who has sent me this information only when I have called to address why they sent this to the credit bureaus without contacting me. They have yet to answer my question. The credit bureaus have yet to remove this collections from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it 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 non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
The debt collector damages my credit report without any validation that the debt is actually belongs to me or I owe the debt which they trying to collect Im seeking XXXX  dollars from the debt collector to help repair my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: MI

Complaint narrative:
I constantly check my credit report and noticed that the errors and false misleading for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time now. Im demanding CFPB to enforce the correction and or deletion of these items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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:
To whom it may concern I am writing under my rights established by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and other applicable laws. These laws require the credit bureaus and furnishers to ensure maximum possible accuracy and to delete unverifiable or inaccurate data. The following items appearing in my credit file are inaccurate and must be deleted immediately : XXXX XXXX XXXX XXXX FL XXXX XXXX, PA XXXX Wrong Address This address is not mine and has never been part of my residence history. Under FCRA 607 ( b ), it is unlawful to report inaccurate identifying information. Associating me with an address I have never lived at creates confusion and potential fraudulent associations. This false entry misrepresents my identity and must be permanently deleted.

The continued reporting of this inaccurate address is harmful and violates federal law. Under FCRA 611 ( a ), all disputed items must be reinvestigated, verified with proper documentation, or permanently deleted within 30 days. Failure to comply constitutes negligent or willful noncompliance under FCRA 616-617, which gives me the right to pursue damages.

I demand immediate deletion of this disputed item. If this matter is not resolved within the statutory timeframe, I will escalate with complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and I will pursue legal remedies for damages caused by this violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, XXXX XXXX issued a refund of {$3800.00} to my Wells Fargo debit card account ending in XXXX. That account was closed at the time of the refund. XXXX XXXX has confirmed that the refund was processed and shows as accepted by Wells Fargo. However, Wells Fargo has repeatedly told me that the account was closed and that nothing can be done. 

I have contacted Wells Fargo five separate times to request an investigation, but no one has initiated a trace or provided written confirmation of the disposition of the funds. XXXX XXXX will not reissue the refund without confirmation from Wells Fargo that the funds were returned. As a result, I am stuck in a loop where Wells Fargo says it can not help, and XXXX XXXX says Wells Fargo accepted the refund. 

I believe Wells Fargo is failing to provide me with the proper resolution and transparency regarding a refund that was sent to my account. I need proof of whether the funds were returned to XXXX XXXX, credited elsewhere, or remain in Wells Fargos possession.

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 2025-09-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year>, I purchased a {$10000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
The bill matured on XX/XX/year>. XXXX has confirmed that they sent a full ACH payment of {$10000.00} to my Chase account, with XXXX XXXX ID XXXX. 

However, Chase only credited {$9800.00} to my account. 
I contacted Chase multiple times and requested them to open an XXXX investigation, but they refused. Instead, they incorrectly told me to contact the Social Security XXXX, even though this payment was not Social Security, but a XXXX Treasury XXXX maturity payment. 

I am requesting that Chase conduct an XXXX investigation, correct the error, and credit the missing funds to my account. 
I have attached supporting documentation from XXXX and Chase showing the discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: 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 - XXXX XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Credit Reporting Error Incorrect information on credit report I am filing this complaint because Equifax and TransUnion are reporting my XXXX XXXX XXXX XXXX account inaccurately, in violation of the Fair Credit Reporting Act ( FCRA ). 

This account was charged off and closed, but TransUnion is now reporting it as open. This is factually false and misleading. 
The account also shows contradictory balances, such as a {$0.00} balance and a past due balance of {$25000.00} at the same time. Both can not be true. 
I previously disputed these inaccuracies through certified mail. Instead of correcting them, the bureaus added the remark dispute resolved by grantor without addressing the factual contradictions. 
After my dispute, the reporting became worse : the account is now listed as open when it was closed. This damaged my TransUnion credit score, dropping it to XXXX, while Equifax shows XXXX. 

This is clear evidence of inaccurate and inconsistent reporting. Under the FCRA, the credit reporting agencies are required to conduct reasonable investigations and report only accurate information. That has not been done here. 

I am requesting that this account be deleted in its entirety from my credit reports with Equifax and TransUnion due to repeated negligence and worsening inaccuracies. 

I am attaching supporting documents, including : Copies of my prior dispute letters. 
Screenshots of the contradictory reporting. 
Proof of XXXX XXXX app data showing the account is closed. 

Thank you for your prompt review of this 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 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/25 I was at work and aware from my home from XXXX - XXXX. That day I did not have my phone with me all day as I left it at home and i work about 30 miles away from my home. I clocked in at XXXX and clocked out at XXXX, it takes me about 1-2 hours to get home depending on the day and traffic. When I got home I did not have ANY text message or email or ANYTHING flagging my account for fraud, so I did not check my bank account until the next day on XX/XX/25 and noticed the charges. I immediately called Chime and reported the disputed charges. I mentioned on the phone that my wallet was lost about 2 weeks ago at a bar and returned to me shortly after, but I had not noticed any fraud on my account until yesterday so I believe that they took pictures of all my information and returned the wallet. I have been a customer with Chime for 2 years and it is very frustrating that my case was denied within 24 hours, with no evidence provided. Normally I get texts asking to verify certain transactions but I went back and checked and I never received them on my phone, I think that whoever made these transactions somehow scanned my phone number and used it to get the 2 factor key if any were sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: IA

Complaint narrative:
I checked my latest credit report and noticed multiple accounts fraudulently reporting on my credit report they are showing under my name and they are not mine Im demanding immediate action of removing them

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 2025-09-28 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: WA

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/year>, I was quoted in writing XXXX XXXX  for a procedure ( screenshot attached ) by a merchant inXXXX, Georgia. I agreed to that amount and nothing further. During the appointment, the doctor offered to apply a topical product, describing it as something that could enhance the results. I allowed the application because I understood it as part of the service I had already contracted for. At no point was I told this would be billed separately, nor was any price disclosed.

When I paid with my Capital One card, I was charged XXXX XXXX. The additional XXXX XXXX  was added without disclosure or authorization. The merchant has not produced an itemized invoice, signed consent form, or any other documentation showing that I authorized this additional charge. They submitted only a generic receipt for XXXX XXXX. 

I disputed the XXXX XXXX  portion with Capital One, submitting evidence of the agreed XXXX XXXX  price. Capital One nonetheless closed the dispute, stating that the receipt showed the transaction was billed correctly. By doing so, Capital One improperly shifted the burden of proof onto me to disprove the charge, while allowing the merchant to avoid the legal requirement to provide documentation of consent. This is the reverse of what the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 C.F.R. 1026.13 ) require. Under these laws, the burden rests with the merchant to prove authorization, and with the issuer to obtain and evaluate that proof through a reasonable investigation.

By treating a non-itemized receipt as conclusive evidence, Capital One failed to comply with federal law and with XXXX XXXX XXXX, which requires merchants to demonstrate that charges were accurately disclosed and consented to. I request that the CFPB direct Capital One to reopen the dispute, require proper proof of authorization, and issue a credit for the disputed amount if no such proof exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: AL

Complaint narrative:
I am disputing the listed account on my credit report due to a lack of validation and proof regarding the debt. The original creditor has failed to provide adequate documentation verifying this account belongs to me and that the information you are reporting is accurate. 

Account # : LVNV FUNDING LLC # XXXX As stated in Section 609 ( a ) ( 4 ) of the Fair Credit Reporting Act, in the event a consumer disputes the accuracy or completeness of information in their credit file, consumer reporting agencies are required, " to promptly provide notification of dispute to the furnisher of information ''. Therefore, I formally request that you immediately notify the information furnisher of my dispute regarding this fraudulent account. 

Additionally, pursuant to Section 611 and Section 623 of the Fair Credit Reporting Act, as a furnisher of information to consumer reporting agencies, the listed creditor has a duty to fully investigate disputes initiated by a consumer after receiving notice from the CRA. 

I further demand that the furnisher send me hard-copy documentation validating this debt. This includes, but is not limited to : The original account application Terms & conditions I agreed to Proof this account was properly assigned to collections If adequate validation is not provided by [ XXXX XXXX ], I demand this unauthorized account be completely removed from my credit report. 

You can send the response with account validation to me via email or postal mail. If you have questions or need additional information, please contact me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: AL

Complaint narrative:
I am disputing the listed account on my credit report due to a lack of validation and proof regarding the debt. The original creditor has failed to provide adequate documentation verifying this account belongs to me and that the information you are reporting is accurate. 

Account # : XXXX XXXX XXXX XXXX XXXX XXXX As stated in Section 609 ( a ) ( 4 ) of the Fair Credit Reporting Act, in the event a consumer disputes the accuracy or completeness of information in their credit file, consumer reporting agencies are required, " to promptly provide notification of dispute to the furnisher of information ''. Therefore, I formally request that you immediately notify the information furnisher of my dispute regarding this fraudulent account.

Additionally, pursuant to Section 611 and Section 623 of the Fair Credit Reporting Act, as a furnisher of information to consumer reporting agencies, the listed creditor has a duty to fully investigate disputes initiated by a consumer after receiving notice from the CRA. 

I further demand that the furnisher send me hard-copy documentation validating this debt. This includes, but is not limited to : The original account application Terms & conditions I agreed to Proof this account was properly assigned to collections If adequate validation is not provided by [ XX/XX/year> ], I demand this unauthorized account be completely removed from my credit report. 

You can send the response with account validation to me via email or postal mail. If you have questions or need additional information, please contact me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: GA

Complaint narrative:
On XX/XX/year> I asked paypal to do an instant transfer to my onepay account with XXXX, PayPal shows completed on their end but onepay didn't receive the money. I disputed with PayPal and was told to contact onepay and my claim was also denied with PayPal. XXXX told me they dont see any transfer transactions on the date with them and PayPal and they told me to call PayPal XXXX I called PayPal and asked why they denied my claim because I still dont have the money in neither my PayPal account or my onepay account.

Company response to consumer: Closed with non-monetary relief