vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
To Whom It May Concern : I am filing a formal consumer complaint against Ally Financial LLC regarding their failure to refund a GAP insurance amount of {$890.00}, which was already reimbursed to them by XXXX XXXX in XX/XX/year>. 
Despite repeated demands and documentation showing that my final loan payoff of {$25000.00} included the GAP amount, Ally falsely claims the GAP refund was already deducted, which is demonstrably untrue. 
This is part of Case # XXXX, involving multiple ignored communications. Ally has only acknowledged a {$640.00} Paintless Dent Repair refund, while refusing to return the {$890.00} GAP refund. I have exhausted direct dispute resolution with XXXX XXXX XXXX department. 
I respectfully request the CFPB to investigate Ally Financials deceptive handling of this case, including misrepresentation and wrongful withholding of consumer funds.

Attachments : Final Demand Letters ( dated XX/XX/XXXX & XX/XX/year>XXXX  ) Email from XXXX XXXX ( XX/XX/year>XXXX  ) confirming Ally was paid Proof of payoff amount ( {$18000.00} ) Allys misleading correspondence, if any * Sticker Price ( {$21000.00} ) * Informed Sales Manager XXXX to Pay Off ( No Loan ) Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
ONLINE COLLECTIONS XXXX XXXX XXXX XXXX XXXX, NC XXXX RE : Debt Validation Request under the Fair Debt Collection Practices Act ( FDCPA ) Dear Sir or Madam, This letter is being sent in response to a notice or credit report entry indicating that your company claims I owe a debt to XXXX XXXX XXXX XXXX XXXX I am requesting validation of this alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide the following information : The amount of the alleged debt, including an itemized breakdown of any interest, fees, or other charges. 
The name and address of the original creditor. 
A copy of the original signed agreement or contract that created this debt. 
Proof that your agency has been legally assigned or purchased the right to collect this debt. 
Verification that this debt is within the statute of limitations for collection in my state.

The date of the last payment made on this account. 
Until this debt is validated, please cease all collection activities and communication except to provide the requested documentation. Furthermore, if this debt has been reported to any credit bureaus, please note that unvalidated or inaccurate reporting may be a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to protect my credit file and legal rights.

Please send all requested information to the address listed above. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
I placed an order for {$110.00} on XX/XX/XXXXXXXX  with the company XXXX XXXX. Part of that price was for 2 day delivery My package never arrived I contacted XXXX XXXX to get an update on my order and received a generic response saying it was still within the delivery window which It was not. It is nearly impossible to get in touch with customer service. I contacted XXXX again sending them numerous emails. l even contacted XXXX a couple of times and eventually opened a claim. I then received an update saying my package was going to be delivered on XX/XX/XXXX. I waited and it never arrived. I got a notification that it was delivered but it wasn't. There wasn't anyone on my ring camera making a delivery so I checked the tracking. It said delivered at " Dock ''. Why would there be a dock at or near my house? I called XXXX and they said it was misplaced and accidentally delivered to an XXXX facility and that it wouldn't be delivered to me. XXXX said to contact XXXX  XXXX for a refund. Again, It's nearly impossible to get in touch with customer service. It wasnt until I submitted a complaint with the XXXX XXXX XXXX  that I received a response from XXXX XXXX. They have only offered me a one time exception store credit or reship. This is not a one time exception. This is an obligation that they have to resolve this. I am not interested in spending any more money or losing out on money with such horrible serve and then calling it a one time exception. If my package doesnt arrive again then I am out of money because it is one time. I responded to XXXX XXXX and then it took me submitting a response on XXXX  just to get my refund rejected. I have disputed with Cash app. Cash app has not given me an approval for my dispute even though I never received my package. Cash app is known for siding with the other party even when their customers are right and deserve to have their money back. Cash app has a reputation for not thoroughly investigating disputes. I have had this issue numerous times with cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am writing to formally dispute the interest charges currently applied to my Synchrony credit card account and to request a refund of my overpayment. Below is a detailed summary of the situation : I opened my Synchrony credit card on XX/XX/year>, with a {$2000.00} credit limit through a furniture store promotion that I was told offered 12 months of no interest. 
On the same day, I made a {$2000.00} purchase at the furniture store. I have made on-time payments every month since opening the account. 
In XX/XX/year>, I noticed that my minimum payment increased by {$80.00}. When I contacted Synchrony, I was told that my promotional period had expired because it was only a 6-month no-interest promotion, not 12 months as the store indicated. 
After explaining the situation, the customer service agent extended my promotional period until XX/XX/year>, and confirmed that if I paid the full promotional balance by that date, all interest would be waived. The agent told me my remaining balance without interest was {$1600.00}, and that if I only made the minimum payment for XXXX ( {$80.00} ), my remaining payoff amount would be {$1500.00}. 
I followed these instructions : I paid the {$80.00} minimum payment in XXXX and then, in XXXX, I mistakenly paid {$1600.00} instead of {$1500.00} effectively overpaying by {$80.00}. This payment paid off my account in full. 
Despite meeting the agreed terms and having proof of the agents extension and promises via screenshots, I have since been charged {$400.00} in interest and fees, and Synchrony has refused to remove them. 
I am requesting the following : Removal of all interest and fees ( {$400.00} ) as previously agreed under the extended promotion. 
Refund of my {$80.00} overpayment made on XX/XX/year>. 
Confirmation that no negative marks or late fees will be reported to credit bureaus while this dispute is being resolved. 
I have documentation and screenshots showing the agents confirmation of the extended promotional period and terms. 
Please review this case promptly and honor the original agreement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
While driving down the road I began to receive text messages about charges that I was not making. I immediately transferred all remaining funds in our account to a savings account. We called the bank right away. When we spoke to the First Gentleman he began to ask me about charges that were coming through as we were speaking and I let him know that it was not me. I asked him if he could stop these and he said he needed to let them all go through before he could do anything. Since our first call the claim has been denied and our appeal has been denied. During the review process we were lied to multiple times about how long the review would take and told different things every time we spoke to a representative. These are fraudulent charges that we did not make and we have not been protected by Navy Federal Credit Union. There was a total of XXXX that was taken from us in 5 separate transactions. We were told, these looked like charges you would make. We are going on 4 months from the first time we spoke with them on the phone and during that 4 months we have tried to call over 10 times and each time we were told there was no update it was under review. We would ask to speak to supervisors and we were always sent to someone who took notes and sent an email. Nothing more than that ever was done until our second denial letter today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: FL

Complaint narrative:
Subject : Failure to Reinvestigate Violation of FCRA 611 ( a ) ( 1 ) ( A ) Re : CFPB Complaint # XXXX Account in question : XXXX  XXXX ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  On XX/XX/year>, I filed a formal dispute regarding inaccurate and conflicting information being reported by Experian and TransUnion for the same XXXX  XXXX account ( ending in XXXX * * * * * * ). This dispute was submitted through the CFPB Complaint Portal ( Case # 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 2025-11-09 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: NY

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding an LVNV Funding LLC collection account for {$830.00}, originally tied to XXXX XXXX XXXX, which is appearing on my XXXX, XXXX, and XXXX  credit reports. This account is reporting inaccurate, incomplete, conflicting, and unverifiable information and is violating multiple sections of federal law. 
1 ) FCRA 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy This account is reporting conflicting dates, inconsistent balances, and unverifiable ownership, violating the federal accuracy requirement.

2 ) FCRA 1681i ( a ) ( 1 ) ( A ) Reasonable Investigation The credit bureaus responded with automated data matching, not competent evidence as required by law.

3 ) FCRA 1681i ( a ) ( 5 ) ( A ) Unverifiable Information Must Be Deleted LVNV has failed to provide a signed contract, itemized accounting, or chain of title. Therefore, the account is legally unverifiable and must be deleted.

4 ) FDCPA 1692g Debt Validation Requirement LVNV has not provided proper validation, including proof of ownership and documentation bearing my name or signature.

5 ) FDCPA 1692cc No Continued Reporting Without Proof This account continues to be reported without legal validation, violating this section.

Requested Action From CFPB I request that the CFPB investigate LVNV Funding LLC and require the credit bureaus and LVNV to provide : The original signed contract Itemized statements Full chain of assignment Proof of ownership If they can not provide complete documentation, I request permanent deletion of this collection from all three credit reports.

This collection is harming my credit, is legally unverifiable, and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: TX

Complaint narrative:
This is a Metro 2 factual dispute regarding the inaccurate and unverifiable reporting of a {$0.00} balance collection account from XXXX XXXX. The account is still being reported as derogatory and account not in dispute across multiple credit bureaus, even though I have been disputing it for more than 90 days directly with Experian, TransUnion, and Equifax. 
Despite these ongoing disputes, OneMain and the credit bureaus have failed to provide any validation or supporting documentation, which constitutes willful non-compliance with the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Compliance Standards. 
Major Reporting Errors and Inconsistencies : Balance Conflict : Account shows {$0.00} balance, yet remains marked as derogatory and collection.

Dispute Status : Incorrectly marked as Account Not in Dispute. 
Date of Last Activity ( DLA ) : Experian XX/XX/XXXX Equifax XX/XX/XXXX TransUnion XX/XX/XXXX These conflicting DLAs violate Metro 2 XXXX, which requires uniform data fields across bureaus. 
Date Reported : Experian XX/XX/XXXXXXXX XXXXXX/XX/XXXX Equifax XX/XX/XXXX TransUnion XX/XX/XXXX These inconsistencies demonstrate a failure to report data with maximum possible accuracy under FCRA 607 ( b ). 
This accounts data directly conflicts across all three bureaus and continues to be published without any validation or correction, violating : FCRA 623 ( a ) ( 1 ) ( A ) Prohibits furnishing information known to be inaccurate.

FCRA 623 ( a ) ( 3 ) Requires furnishers to mark disputed accounts as in dispute.

FCRA 611 ( a ) ( 1 ) ( A ) Requires reinvestigation within 30 days of dispute receipt.

FCRA 611 ( a ) ( 5 ) ( A ) Mandates deletion of unverifiable data.

Metro 2 4.2.2, 4.3.1, and 6.2.1 Require consistent factual reporting, validation of data sources, and correct coding of dispute indicators. 
Additionally, despite prior requests and disputes, no written validation or account documentation has been mailed or uploaded by XXXX XXXX. These continued inaccuracies have caused significant harm to my credit profile and violate both the FCRA and Metro 2 accuracy standards. 
This is not an identity theft claim, but a factual dispute backed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a Metro 2 factual dispute regarding the inaccurate and unverifiable reporting of a {$0.00} balance collection account from XXXX XXXX. The account is still being reported as derogatory and account not in dispute across multiple credit bureaus, even though I have been disputing it for more than 90 days directly with Experian, TransUnion, and Equifax. 
Despite these ongoing disputes, OneMain and the credit bureaus have failed to provide any validation or supporting documentation, which constitutes willful non-compliance with the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Compliance Standards. 
Major Reporting Errors and Inconsistencies : Balance Conflict : Account shows {$0.00} balance, yet remains marked as derogatory and collection.

Dispute Status : Incorrectly marked as Account Not in Dispute. 
Date of Last Activity ( DLA ) : Experian XX/XX/XXXX Equifax XX/XX/XXXX TransUnion XX/XX/XXXX These conflicting DLAs violate Metro 2 XXXX, which requires uniform data fields across bureaus. 
Date Reported : Experian XX/XX/XXXXXXXX XXXXXX/XX/XXXX Equifax XX/XX/XXXX TransUnion XX/XX/XXXX These inconsistencies demonstrate a failure to report data with maximum possible accuracy under FCRA 607 ( b ). 
This accounts data directly conflicts across all three bureaus and continues to be published without any validation or correction, violating : FCRA 623 ( a ) ( 1 ) ( A ) Prohibits furnishing information known to be inaccurate.

FCRA 623 ( a ) ( 3 ) Requires furnishers to mark disputed accounts as in dispute.

FCRA 611 ( a ) ( 1 ) ( A ) Requires reinvestigation within 30 days of dispute receipt.

FCRA 611 ( a ) ( 5 ) ( A ) Mandates deletion of unverifiable data.

Metro 2 4.2.2, 4.3.1, and 6.2.1 Require consistent factual reporting, validation of data sources, and correct coding of dispute indicators. 
Additionally, despite prior requests and disputes, no written validation or account documentation has been mailed or uploaded by XXXX XXXX. These continued inaccuracies have caused significant harm to my credit profile and violate both the FCRA and Metro 2 accuracy standards. 
This is not an identity theft claim, but a factual dispute backed by law.

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 2025-11-10 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: NJ

Complaint narrative:
Heres a professional and concise way to respond to the CFPB when disputing discrepancies on your credit report : XXXX XXXX  Subject : Credit Report Dispute Explanation Dear CFPB, I am writing in response to your request regarding the discrepancies I am disputing on my credit report. 

I recently reviewed my credit report and identified information that I believe is inaccurate or does not belong me. 
These discrepancies are negatively affecting my credit and do not accurately reflect my financial history. I am disputing them because I believe they are the result of an error by the creditor or the credit reporting agency. I am requesting that these items be investigated and corrected.

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 2025-11-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: OH

Complaint narrative:
XX/XX/XXXX around XXXXXXXX XXXX  EST Multiple transactions from XXXXXXXX XXXX XXXX 
{$29.00} {$340.00} {$390.00} {$320.00} All transactions occurred within XXXX min. 
I disputed transactions as soon as I was made aware. Begin cooperating with Chime Bank. Submitted multiple emails of myself trying to reach out to the merchant and the emails were returned to me due to email address from the merchant web site was not active/working. Continued to contact Chime to see what else I could do to help and got no help. They could not even give me a contact phone number for the bank that is connected to Chime. The banks name is XXXX. Im certain they are FDIC insured. 
The last phone call to chime was XX/XX/XXXX when I asked the agent to provide me with the authorization code for these purchases. He got aggarvated and said I can no longer assist you and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
I have had automatic payments on my XXXX  XXXX XXXX credit card since XXXX, funded from my XXXX XXXX account. This system worked without issue for years. In XX/XX/XXXX, I closed an unrelated XXXX  XXXX XXXX checking account. Without any warning or clear notice, this caused my credit cards auto-pay to silently cancel even though my external funding source remained active and well-funded.

I did not find out until months later, when I saw that my credit score had dropped significantly due to missed payments. I immediately contacted XXXX  XXXX XXXX. During a recorded call ( disclosed at the start ), a representative confirmed that my auto-pay was canceled because the XXXX  checking account was closed despite the payments drawing from XXXX XXXX XXXX The representative acknowledged this linkage and submitted a correction to the credit bureaus, but XXXX  XXXX XXXX later reversed that action and denied any error. 
I have included the following supporting documents : Email confirmations showing that autopay was correctly set up using my XXXX XXXX account A XXXX XXXX bank statement showing a sufficient balance during the time payments failed A transcript and summary of the call in which XXXX  XXXX XXXX acknowledged the issue I respectfully request that XXXX  XXXX XXXX remove all negative credit reporting entries related to this issue and restore the accounts good standing. This situation has damaged my credit due to an internal system failure and lack of notice not due to any fault or inaction on my part.

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 2025-11-10 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: NJ

Complaint narrative:
I am writing to formally dispute the accuracy and validity of an alleged debt that appears on my credit report. This letter serves as a request for debt validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and notice to cease collection activity under 15 U.S.C. 1692c ( c ) until such validation is provided.

Please note : I do not acknowledge this debt as valid. 
Under 1692g ( b ), a debt collector must cease collection activities until verification of the debt is provided.

If this account was furnished to your bureau by a third-party collector or creditor, I request that you investigate and remove this item from my credit file unless full validation is received and verified. 
For proper validation, please provide the following : The original creditors name, address, and account number. 
A complete accounting of the alleged debt, including itemization of principal, interest, fees, and payments. 
Documentation bearing my signature that verifies I am legally obligated for this debt. 
Proof of assignment or ownership of the debt, showing the collectors legal right to collect.

Until these documents are furnished, any continued reporting or collection activity on this account constitutes a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
If the debt can not be validated, I request that you immediately delete the account from my credit report and provide written confirmation of its removal.

Company response to consumer: Closed with explanation