vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 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: TX

Complaint narrative:
I am filing this complaint regarding the handling of my credit card dispute by my card issuer involving a transaction with XXXX XXXX XXXX in the amount of {$6500.00} dated XX/XX/year>. 
My initial dispute was denied despite clear evidence of merchant misrepresentation. I subsequently reopened the dispute and submitted new, material evidence demonstrating that the merchant provided contradictory statements, admitted internal misrepresentation, and failed to render services as claimed. 
Specifically : The merchant admitted in a Better Business Bureau response that the moving coordinator involved was suspended to prevent other customers from receiving incorrect information. 
No carrier was ever confirmed, no pickup date was scheduled, and no Bill of Lading was issued. 
Without a Bill of Lading, no transportation contract was formed and no moving services were legally rendered. 
The merchant made false claims regarding customer contact and coordination that are unsupported by evidence. 
Despite this new information, my credit card issuer initially denied the dispute without adequately addressing the evidence of misrepresentation and services not rendered. 
I am requesting that my credit card issuer conduct a proper second-level review of this dispute under misrepresentation and deceptive business practices standards, not as a service dissatisfaction claim, and issue appropriate provisional and final credit. 
I have attached my written rebuttal and supporting documentation for review.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am filing this complaint regarding XXXXXXXX XXXX continued reporting of an inaccurate and unverifiable charged-off account on my credit reports with Experian, Equifax, and TransUnion. 



I previously disputed this account with the credit reporting agencies and directly with XXXX XXXX. Despite my dispute, XXXX has continued to verify the account without providing competent evidence that the information being furnished is accurate, complete, and verifiable as required under the Fair Credit Reporting Act ( FCRA ). 



Specifically, XXXX has failed to provide : A copy of the original signed agreement bearing my signature A complete payment history from account opening to charge-off Verification of the Date of First Delinquency Documentation proving the reported balance is accurate Proof of their authority to continue reporting this account after charge-off Under FCRA 623 ( a ) ( 1 ), furnishers are prohibited from reporting inaccurate or unverifiable information. Additionally, under FCRA 623 ( a ) ( 8 ), upon receiving a direct dispute, the furnisher must conduct a reasonable investigation and correct or delete any information that can not be substantiated. 



Furthermore, the credit reporting agencies are required under FCRA 611 ( a ) and 1681e ( b ) to ensure maximum possible accuracy and provide a lawful method of verification. Simply stating that the account was verified without providing documentation does not meet this legal standard. 



XXXX XXXX continued reporting of this charged-off account without proper verification is damaging my credit and constitutes a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On Sunday, XX/XX/XXXX, I made a payment for the statement balance of {$8100.00} on my credit card and my account balance was immediately updated to reflect the payment. The funds were promptly withdrawn from my account the following day ( Monday ), XX/XX/XXXX, and my account balance for the credit card was subsequently updated to XXXX  available. I reached out to have my account balance updated to reflect the payment that had been taken from my account. They would not update my account balance even though the funds were withdrawn from my account. They reasoned that it takes four business days to clear, which is absurd, since the payment cleared my bank in less than 24 hours after I initiated it. Regardless of this, my payment took more than four days to clear and I was forced to move payment methods over the other vendors. After endless arguing, they couldn't even tell me when my payment would clear and gave incorrect dates of it being cleared and when it would clear when it wasn't. They're a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to request assistance regarding late fees and interest charges total of XXXX applied to my Citi credit card account over the past three billing cycles. 

When I contacted Citi previously to ask how to properly set up AutoPay, a Citi banker advised me to enroll in AutoPay for the minimum payment. I followed this guidance in good faith, believing it would ensure my account remained current. However, I later discovered that despite AutoPay being active, Citi assessed late fees and interest charges for three consecutive months. 

I was not aware that the AutoPay setup, as instructed by the representative, would still result in late payment charges. I only discovered this issue upon reviewing my account recently, at which point I immediately contacted Citi to request a correction. Citi has refused to waive the fees and interest, despite the fact that these charges resulted from reliance on incorrect or incomplete information provided by their representative. 

I respectfully request that Citi waive the late fees and reverse the associated interest charges for the affected billing periods as a fair and reasonable resolution. I acted based on Citis guidance and would have set up AutoPay differently had I been properly informed. This was not an intentional failure to pay, and I otherwise strive to maintain my accounts in good standing. 

Thank you for your time and assistance in reviewing 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 explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
Someone had used my name without my knowledge to open credit loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year>, I saw a post on XXXX from an individual advertising that they had three tickets available for the XXXX XXXX concert. I was interested in purchasing two tickets and contacted them through XXXX. 

The individual responded via XXXX messages and requested that the conversation continue by phone. After I provided my phone number, they contacted me directly and continued negotiating the ticket sale. 

During this process, the seller repeatedly claimed they were unable to transfer the tickets through XXXX unless I agreed to purchase a third ticket, despite the fact that I only requested two tickets. Based on these representations, and after the seller repeatedly stated they did not receive earlier payments, I sent multiple payments totaling {$500.00}, including payments from my Chime bank account and an additional payment through XXXX XXXX. 

To date, I have not received any tickets. The seller blocked me on XXXX after receiving payment. I later reported the account to XXXX as a scam. XXXX responded that no violation was found ; however, this does not change the fact that the seller misrepresented the transaction, pressured me to send additional funds, and failed to deliver the promised goods. 

I authorized the payments under false pretenses and as a result of repeated misrepresentation and deception. 

I reported the transactions to Chime and filed disputes. I also received automated text messages from Chime stating that the payments were refunded for my protection, yet my dispute was later denied by classifying the transactions as authorized payments without adequately considering the fraud and goods-not-received involved. 

I am requesting that Chime conduct a proper investigation and permanently return the {$500.00}, as these transactions resulted from an intentional scam and the complete failure to deliver the promised tickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
This letter serves as formal notice that I dispute this alleged debt in its entirety and that I do not owe this debt. 
I am further demanding that Midland Credit Management immediately cease and desist from all collection activity related to this matter. 
NO DEBT IS OWED The alleged debt you are attempting to collect is invalid and inaccurate. Any attempt to associate this account with me is improper. The underlying insurance account was canceled and switched, and any attempt by XXXX XXXX or any third party to fabricate or transfer a balance is unauthorized and unlawful. 
I have previously contacted your company regarding this matter and received no response, which is itself a violation of federal law. 
LEGAL NOTICE U.S. CODE VIOLATIONS Your actions violate multiple federal statutes, including but not limited to : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g Failure to provide proper validation of the debt 15 U.S.C. 1692e False, deceptive, or misleading representations 15 U.S.C. 1692f Unfair or unconscionable collection practices 15 U.S.C. 1692c ( c ) Requirement to cease communication upon written notice Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) Furnishing inaccurate information 15 U.S.C. 1681s-2 ( b ) Failure to properly investigate a disputed account CEASE AND DESIST DEMAND Pursuant to 15 U.S.C. 1692c ( c ), you are hereby instructed to : Immediately stop all collection activity Cease all communication with me regarding this alleged debt Any further contact from your company, except to confirm compliance, will be documented as willful non-compliance. 
DEMAND FOR DELETION Because this debt is not owed, not validated, and inaccurately reported, I demand that Midland Credit Management : Delete this account from XXXX XXXX XXXX XXXX Provide written confirmation of deletion Complete this action within 15 days of receipt of this letter Failure to comply will result in formal complaints filed with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Pennsylvania Attorney General Any other appropriate regulatory or legal authority NO CONSENT NO LIABILITY This letter is not an acknowledgment of liability, nor does it grant consent for further contact. Any continued reporting or collection activity will be considered knowing and intentional violations of federal law. 
GOVERN YOURSELVES ACCORDINGLY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX around XXXX pm I went to XXXX to purchase groceries when at exactly XXXX pm I got a notification that my credit card was used to make a {$1000.00} dollar purchase the description of the purchase was " XXXX XXXX XXXX XXXX XXXX '' I had never heard of this and so I immediately called my bank Wells Fargo to report the unauthorized transaction they said it would take XXXX days before a conclusion was reached. By the XXXX day it appeared on my online banking that the issue was resolved, however on XX/XX/XXXX I checked my online banking only to realize the unauthorized charge had reappeared. I called Wells Fargo again on Monday to get more information on what happened. They explained that they dismissed my claim because according to them since I had my physical card they could just say that the charge was not fraudulent. I went to a physical Wells Fargo XXXX and asked for more information. They told me my card was used in XXXX XXXX  on XX/XX/XXXX at XXXX pm. This should be impossible and is a clear case of fraud because I was in XXXX in XXXX XXXX XXXX  at that time as stated above, I made a purchase of groceries at exactly XXXX pm according to my XXXX bank account meaning it is impossible that I could have made that purchase in XXXX. I believe the Wells Fargo knows this and is willingly ignoring it. I would like to report, complain, and document this to the proper channels.

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 2025-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX, I called Home Depot Credit Services to request an extension on the due dates for three credit cards because the payments were too high. I tried to keep up with the payments of the agreement I was given with my Hardship but it's been very difficult. I am behind with my rent and my light bill. I also Customer Service if my monthly payments could be lowered. The representative said no and advised me to try again when the next payment was dueXX/XX/XXXX, I called again to make payment arrangements but was unable to do so.XX/XX/XXXXI called a third time to request that the payments on all three cards be lowered. The representative stated that nothing could be changed because payment arrangements had already been made through the Hardship Department and could not be modified. She stated that I had to make payments on all 3 of my credit cards. On Credit Card XX/XX/XXXX Credit Card XX/XX/XXXX Minimum Payment XX/XX/XXXX on Credit Card XX/XX/XXXX - Miniumum Payment XX/XX/XXXX, or the accounts would be sent to collections.XX/XX/XXXXI am requesting a hardship re-evaluation and revised payment plan that reflects my current ability to pay, as I am unable to meet the current amounts despite good-faith efforts. I am not requesting forgiveness of the debt, only a manageable adjustment so I can resume consistent payments."

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 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Email : XXXX Phone : XXXX Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Customer Service Toll Free : XXXX XXXX ID : XXXX Website : XXXX  -- - Complaint to CFPB I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX regarding an account that is being reported on my credit report and repeated harassment calls. 
Date of Contact : XX/XX/year> Issue : XXXX XXXX XXXX claims I owe a debt that I do not recognize. 
Actions Taken : I called XXXX XXXX XXXX today and informed them that the debt is not mine. 
Despite this, I offered to pay {$1500.00} to settle the matter and stop the harassment calls. 
They refused to accept the payment and continue to report this account on my credit report. 
I have no records or knowledge of this debt. 
XXXX XXXX XXXX has not provided any validation or proof that this debt belongs to me. 
I am receiving daily harassment calls, causing stress and frustration. 
This account is negatively impacting my XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I called Ally Bank again today to inquire about my funds. I had already contacted two financial institutions, XXXX and XXXX, as requested by Ally Bank, asking them to initiate a transfer reversal request to Ally Bank. XXXX sent the request on XX/XX/XXXX, but today I received an email informing me that Ally Bank had not processed it. I don't know what Ally Bank is trying to do. My account is forcibly restricted, preventing me from logging in, and they are delaying the return of my money. Instead of sending me a check, they are demanding that I contact the other banks to reverse the transfer. Ally Bank is very aggressive ; when you communicate with them, they are impatient and hang up the phone. I had no choice but to follow their instructions, but they are ignoring the transfer reversal requests. When I called today and asked about the exact amount of money in my account, they wouldn't tell me. This bank is completely lawless. I strongly suspect they are deliberately making things difficult for me to steal my money. How can there be such a bank? Why is it so difficult to get my own money back? This is money I earned through hard work. I have a mortgage and car loan, and I urgently need the money. I'm having a very unhappy XXXX because I don't have any money, all because Ally Bank won't return my money. Every time I call them, it feels like ineffective communication. They keep telling me to contact the bank that initiated the transfer. Ally Bank is ridiculous. They are acting as if nothing is wrong, and I even feel like they are discriminating against XXXX. They give irrelevant answers to all my questions. XXXX told me that Ally Bank hasn't processed the request, and when I called Ally Bank, they said they hadn't received the reversal request. Ultimately, it's us ordinary users who are suffering. Another financial institution, XXXX, replied that Ally Bank hasn't responded to the reversal request. So, it's clear that the problem lies with Ally Bank. I have just sent emails requesting XXXX and XXXX to send the transfer reversal requests again. I will continue to update the situation. I must defend my rights. I reserve the right to take legal action and firmly oppose XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BlueChip Financial
State: TX

Complaint narrative:
On XX/XX/year> I provided XXXX  with a written notice informing them that I was revoking automatic payment authorization from my debit card/ bank account to their email address XXXX. On XX/XX/year> the company attempted to withdraw a payment from my account after I had already informed them on XX/XX/year> that I was no longer giving them permission to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: TN

Complaint narrative:
I used Abound to transfer money to XXXX as they had good offer. 

The transaction was done on XXXX XXXX and as per the timelines given by them it should have reached my account in XXXX by XXXX XXXX XXXX, but it did not, i sent an email to them requesting for money as mother was hospitalized for an emergency. 

Abound replied after XXXX hours informing that my money will be transferred by XXXX XXXX, its already XXXX XXXX in XXXX but the amount is still not transferred, My family is in embarrassing state and my mothers hospital treatment is highly impacted due to this. 

I kindly request your help in teaching This company a lesson so that no one like me gets affected My transaction id is XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: MN

Complaint narrative:
XX/XX/year>. I called Chime about closing my credit builder account. I had noticed that my available balance was {$120.00} in that account so I was closing it. I asked where the funds would go to. They said that they would go into my checking account which already had {$86.00} in it. They proceeded to close account however the {$120.00} did not reach my account my checking account I would just like what is owed to me, which is my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This debt collector has engaged in unjustifiable practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). They furnished an account that I never agreed to and never signed for. A valid legal contract requires the consent of both parties, and I did not participate in or authorize any such agreement. 

This unauthorized reporting has caused significant stress and hardship, negatively impacting my credit and my ability to maintain financial stability. The collector also failed to follow proper debt validation procedures, denying me my right to verify this alleged debt. 

These actions violate my rights under the FDCPA. I demand the immediate removal of this account from all credit reporting agencies.

Company response to consumer: Closed with explanation