vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: LA

Complaint narrative:
My husband and I previously rented from XXXX XXXX XXXX, managed by XXXX XXXX XXXX. We moved out on XX/XX/year>, and filed a dispute after receiving multiple inconsistent " Final Account Statements. '' We requested a lawful itemized accounting under Louisiana law and formally disputed the claimed balance in writing. 

On XX/XX/year>, we filed a small claims lawsuit in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Case No. XXXX ) for wrongful withholding of our {$400.00} security deposit. On XX/XX/year>, my husband emailed XXXX XXXX XXXX XXXX XXXX the court citation, clearly instructing them to cease communication and refrain from forwarding the disputed claim to collections while litigation was pending. 

On XX/XX/year>, the defendant ( XXXX XXXX XXXX ) filed its answer with the court, confirming they were fully aware that the matter was under active litigation. Despite that, about a week after XX/XX/year>, my husband and I received separate collection letters from " Rent Recovery Solutions LLC '' attempting to collect the same disputed balance. 

This constitutes a direct violation of the Fair Debt Collections Practices Act ( FDCPA ), as the company knowingly referred a disputed, litigated debt to a third-party collector.

Company response to consumer: Untimely response
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I contacted Equifax representatives and they couldnt answer any questions about what changed on report to lower score so dramatically after I had checked all credit bureaus and nothing on there should have lowered so drastically! Its XXXX in XXXX  as it went up, not down! Went down with Equifax and they wouldnt give any information over phone, wouldnt answer any questions, I have had to dispute and win two other issues with them. They also have incorrect address on report, which has happened before! Experian has multiple incorrect addresses and reports wrong credit scores on all three on their site, yet couldnt dispute anything as it kept saying it was down. Calling was useless as their phone wont allow you to talk to a live person and I keep getting emails from them wanting me to sign up for some boost product based on their incorrect data!!!!!!

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
on XX/XX/year> my credit card ending in XXXX had the balance was XXXX I made the payment of XXXX in full I was unaware that Navy federal charged me twice, navy federal took out of my check XXXX twice totaling XXXX making my checking account go XXXX I was unaware that that time what had happen and the cycle the continued afterwards, I was charged a total of XXXX and my account went into XXXX I was unaware at the time what checking line of credit is, when I noticed the issued that my credit card was charged twice and now had a credit of XXXX I called navy federal on XX/XX/XXXX and had the second payment reversed, now my credit card was at XXXX and my checking account was back at XXXX the agent that reversed the second payment did not discuss the fact that my checking line of credit was used and now had a balance of XXXX, I never should have used my checking line of credit and I wouldn't be in this situation if it wasn't for navy federal 's error. Now when XX/XX/XXXX came my XXXX XXXXXXXX was missing {$350.00} I did not know why. Navy federal said it was to cover my checking line of credit because I used it when my account went into negative, so again why am I being charged for navy federal 's mistake? I made a case status and they refused to credit me saying my checking account went into the negative and I utilized my checking line of credit, this is not true if I had not been charged twice making a credit card payment I would have had a positive balance of XXXX, please refund me my XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: NC

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681c-2. The listed credit reporting agency is reporting accounts, inquiries and or collections that do not belongs to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized accounts inquiries and collections under Federal Law.

I am attaching : FTC Identity Theft Report, A list of Accounts, My Government issued ID, Social Security card, and Proof of Address. 
Please investigate and remove the accounts and all associated negative information 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 explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I am filing a complaint against TitleMax XXXX XXXX XXXX XXXXXXXX ( TMX Finance LLC ) regarding a vehicle title loan and repossession handling. 

I attempted to make a payment to bring my account current. My authorized representative ( my husband, XXXX XXXX XXXX attempted to make a payment on my behalf with my full authorization, and TitleMax refused to accept the payment solely because he is not listed on the loan. 

TitleMax also blocked my access to the online payment portal and refused to update my phone number unless I appeared in person at their branch. The branch is located in another city, making it impossible to pay without undue burden. Their actions created the delinquency. 

Additionally, the third-party repossession/storage company contracted by TitleMax withheld required information needed to redeem the vehicle. My authorized representative called multiple times and was not informed that : an appointment was required to pick up the vehicle, the facility closes early on Fridays, and release procedures had to be completed before arrival. 

Because the information was withheld, we were prevented from retrieving the vehicle until Monday, resulting in additional storage fees and financial harm. TitleMax and its contractor are obstructing my right to redeem the vehicle. 

I am not refusing payment I am actively attempting to pay, and TitleMax is refusing payment and blocking access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: NJ

Complaint narrative:
I periodically receive my statement email from Optum Bank for my HSA account. 
But when I tried to login the account, I used my old saved username/password, it did work previously on XXXX But it doesn't work now with XXXX XXXX XXXX 
I also tried to use find back username, but after I input my information there is always an error said : Something went wrong. Please double check your details and try again.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Synchrony Bank has failed to issue a refund of a duplicate payment totaling {$2500.00} made to my TJX Rewards Credit Card account. The overpayment was caused by their error, and despite multiple assurances that a refund check had been mailed, I recently learned the check was never issued and, according to the representative I spoke with today, there is no record of my refund request even though multiple calls are clearly logged on my account. 

Timeline of Events : XX/XX/year>XXXX  I made my normal payment on my TJX Rewards Card account. Synchrony App continuously showed an error message and stated the payment didnt process. However it then processed twice, creating an overpayment of {$2500.00}. 
XX/XX/year> I called Synchrony to request a refund. The representative stated a refund check would be mailed within 710 business days. I also closed my credit card with Synchrony on this date. 
XX/XX/year> I had not received the check and called again. A representative confirmed that no refund had ever been issued. He claimed there is no record of my request, even though my prior calls are logged in their system. 
XX/XX/year> I was told a new check would now be mailed, meaning I would be without access to {$2500.00} for several additional weeks money I need for regular living expenses. 

Nature of Complaint : Synchrony Bank has not complied with regulations, which requires creditors to refund a credit balance within 7 business days of a consumers written request. The lack of documentation and accountability is concerning and has caused significant financial hardship by keeping {$2500.00} of my funds inaccessible for weeks. 

XXXX 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 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
To : Caine & Weiner Company , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Validation Request under the Fair Debt Collection Practices Act ( FDCPA ) Dear Caine & Weiner Representative, I am writing in response to a notice I received from your company regarding an alleged debt, identified as account number [ insert account or reference number, if provided ]. This letter serves as a formal request for validation of the debt as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information and documentation so that I may verify this alleged debt : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including a complete itemization of the balance, interest, and any fees or other charges.

3. Documentation bearing my signature showing that I am legally obligated to pay this debt.

4. Proof that your company is authorized to collect on behalf of the original creditor.

5. A copy of the original agreement or contract related to the alleged debt.

Until this information is provided and the debt is validated, I request that you cease all collection activities, including but not limited to phone calls, letters, or reporting of this alleged debt to any credit reporting agencies.

Please note that I am keeping a record of all communications regarding this matter.

Thank you for your cooperation. I expect your response within the timeframe required by the FDCPA.

Sincerely, XXXX XXXX

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and discovered fraudulent accounts listed under my name. These accounts do not belong to me and are negatively impacting my ability to obtain credit. I am requesting that these accounts be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: ID

Complaint narrative:
I currently have an auto loan with Ally Financial and have one payment left of {$110.00}. However Ally is charging me XXXX dollars in late fees. I have tried letting them know that I should not have been charged late fees during XX/XX/XXXXXXXX  for over a year due to the COVID relief package but they tell me there is no such program. I keep telling them I was placed on that program and have the information on the program. In addition, I have tried asking for a hardship plan due to not being able to work for medical reasons within the home. I have tried many times to resolve this with the last time being XX/XX/XXXX. Ally refuses to work anything out with me so that I can resolve this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
I am submitting this complaint regarding three unauthorized ATM withdrawals that appeared on my Current Bank credit card account in XXXX XXXX XXXX XXXX XXXX XXXX. The transactions occurred on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX, and XXXX XXXX  {$200.00} XXXX XXXX totaling XXXX XXXX {$700.00} XXXX XXXX. I did not authorize or perform these withdrawals. My physical card had been lost at the time, and I immediately attempted to contact Current to report the issue. However, I was unable to reach a representative for approximately * * three days * *, despite making multiple attempts through the mobile app and customer support channels. 

Once I finally reached an agent, I reported my card as lost and initiated a dispute for the fraudulent withdrawals. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I received confirmation that my dispute was filed ; however, it was * * denied the following day * *, less than 24 hours later, without what appears to be a full or proper investigation. The decision letter from Current did not provide any detailed reasoning or evidence to justify the denial, despite the fact that the transactions occurred while my card was missing and without my authorization. 

I took immediate and responsible action to protect my account as soon as I became aware of the issue, but I was unable to do so sooner because of Currents delayed response and lack of direct customer support. I should not be held financially responsible for these fraudulent transactions. I am requesting that the * * Consumer Financial Protection Bureau ( CFPB ) * * review this matter and ensure that * * Current Bank * * conducts a fair and complete investigation consistent with * * Regulation E * * and applicable consumer protection laws, and that the unauthorized charges be reversed and my funds restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: LA

Complaint narrative:
To Whom It May Concern, This letter is in regard to a collection account appearing on my credit report. I am formally disputing the accuracy and validity of this account in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). It appears that this item was purchased or by eastern account system,. The reported balance of {$500.00}, payment history, and ownership status are inaccurate and unverifiable. As such, this account must be deleted immediately from my credit file. Under the FCRA, all information reported to credit bureaus must be accurate and complete. Since the amount and details are not correct, and there is no verified proof of the original creditors ownership or my legal obligation to this account, it is considered inaccurate and incomplete reporting.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Bank continues to report inaccurate and unverified information on my credit report even though the account has been closed. Once an account is closed, no new payment activity or late reporting should appear. Continuing to report missed or late payments on a closed account is a violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards.

I previously submitted a debt validation and verification request under the FCRA and FDCPA, asking for full documentation including : The original signed credit agreement Full payment ledger and account history Bank draft and payment-processing records Internal investigation notes or verification records Proof of lawful ownership or assignment of the debt Confirmation of accurate XXXX  XXXX reporting codes Discover only provided billing statements, which do not meet the legal requirements for verification. They still marked the account as verified, even though they failed to provide the requested documents or correct the reporting errors. This constitutes furnishing inaccurate information and failing to conduct a reasonable investigation.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Subject : Urgent : Double Charge on Hotel Booking via Citi XXXX Request for Review and Refund Dear Citi XXXX/ Dispute Resolution Team, I am writing to formally request a review of my recent hotel booking dispute, which appears to have been mishandled and has resulted in a double charge for the same accommodation. 

I used Citi XXXX to book a hotel reservation, just as I have successfully done in the past for flights and other travel bookings. My expectation was straightforward to complete the booking through Citi XXXX and not be charged again by the hotel at check-in, unless my stay schedule changed. 

However, upon arrival at the hotel, I was asked to present my credit card. I assumed this was only for verification or incidental purposes. Later, when reviewing my credit card statement, I discovered that the hotel had charged me again for the same stay despite my payment having already been made through Citi XXXX. 

I immediately raised a dispute for the hotels transaction, explaining that it was a duplicate charge. Citi resolved that first dispute in favor of the hotel, stating that I had stayed at the property. Subsequently, Citi opened a new dispute for the original Citi XXXX transaction which I assumed would be resolved correctly as a duplicate payment. To my surprise, that dispute was also closed in favor of the merchant, citing that I should have canceled the booking before check-in.

Respectfully, this reasoning is illogical I did not cancel the booking precisely because I intended to stay there. The issue is not a cancellation but a duplicate payment for the same accommodation. I have no visibility into communications with either merchant, and the helpdesk has only informed me that an appeal can be initiated without providing a way to track its progress.

All I ask is that this case be properly reviewed and that one of the two transactions be refunded, as I paid twice for the same stay. This situation has been extremely frustrating and has caused significant stress and XXXX. I trust Citi will ensure this is resolved fairly and promptly. 

Please confirm that my appeal has been logged and provide visibility into the next steps or any documentation you may require from my end.

Thank you for your time and understanding. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have had a credit card with Capital One for over ten years. Throughout the time my account has been open, I have always paid my payment on time. The past several years, my family has paid thousands of dollars in medical bills. I reached out to Capital One on XX/XX/year>XXXX   to see if the interest rate on my card could be lowered or the interest accrual be frozen for a temporary amount of time to allow the payment to go towards the principal balance. I explained that the majority of the monthly payment is only covering the interest at this time. While the customer service representatives I spoke to were kind, they informed me that Capital One does not offer either type of assistance. They have a hardship program, however, the card is closed at the end of the program. This is my longest line of credit, which would negatively impact my credit score. Also, I was not asking for part of my debt to be waived. I'd like to cover it, but I need a breather to be able to make a dent in the balance.

Company response to consumer: Closed with explanation