vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am disputing the account reported by LVNV Funding/Resurgent. This account was already deleted from XXXX  on XX/XX/year>, after they were unable to verify the debt. However, XXXX continues to report it as verified, even though no documentation has been provided to me. 

I requested validation, including proof of ownership of the debt, the original creditor agreement, and accurate account history, but no supporting documents were provided. Instead, the account continues to update with inconsistent and inaccurate information ( such as balance update dates and delinquency history )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: NE

Complaint narrative:
I am filing a complaint against Xact Loans, which I believe to be operating as a XXXX scheme through XXXX XXXX XXXX in Utah. I reside in XXXX, where strict usury and interest rate laws apply, yet Xact Loans is charging me extremely high interest rates that would be illegal under XXXX  law. Despite their claim of being licensed, I believe their structure is intentionally designed to avoid state law protections for borrowers. 
I have already contacted XXXX XXXX XXXX  in Utah ( the partner bank behind this loan ), but they have not responded to my concerns. Xact simply insists they have the right to charge these rates. The loan also carries a physical XXXX  address, which further indicates they should be required to comply with XXXX  lending laws. 
When I took out this loan, I was not made fully aware that it would be reported to the credit bureaus with such an unreasonably high payment schedule. I only learned of this after the fact. This reporting now threatens my credit standing and creates significant harm. 
I am attaching a copy of the contract as well as screenshots of what the payment schedule looks like so the Bureau can review the terms directly. The repayment terms are predatory and misleading. 

I asked them pause interest charges and collections while disputing and they also ignored this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Complaint Regarding Misleading Credit Card Pre-Approval and Denial Wells Fargo OneKey Card Consumer : XXXX XXXX XXXX Date : XX/XX/year> Summary of Complaint : I am submitting this complaint against Wells Fargo Bank , N.A . regarding deceptive and misleading credit practices tied to the OneKey Credit Card application # XXXX. 

On the basis of a pre-approval offer for a {$9000.00} credit line, I accepted and authorized a hard inquiry with the reasonable understanding that this reflected a full approval. Despite meeting all requirements, including submission of valid income documentation, Wells Fargo arbitrarily denied my application after acceptance, a practice that strongly resembles a bait-and-switch tactic prohibited under the Truth in Lending Act and related consumer protection principles. 

Key Facts I was explicitly pre-approved for a OneKey Credit Card with a {$9000.00} limit. 
I accepted the offer and authorized a hard credit inquiry, which was placed on my credit report. 
I promptly submitted all required documentation, including two pay stubs reflecting substantial verified income. 

Further, I possess an excellent credit profile : XXXX XXXX Score : XXXX Utilization : 1 % 22 years of positive history, XXXX average account age Excellent mix : revolving, installment, auto, student loans all paid as agreed and current, never late Despite this, Wells Fargo wrongfully denied the application post-acceptance with no offer to resolve.

Consumer Harm : This conduct undermines consumer trust and has caused me financial and reputational harm. The denial, after pre-approval acceptance of offer, resulted in a hard inquiry without the intended benefit, diminishing my profile for future credit opportunities. This practice is misleading and unfair to consumers who rely on truth in lending disclosures and the integrity of pre-approval offers. 

Requested Relief : I request that the CFPB urgently : Investigate Wells Fargos pre-approval marketing, verbiage of Accept Offer and underwriting practices. 
Require Wells Fargo to honor the {$9000.00} OneKey credit line approval consistent with the terms of the pre-approval offer.

Ensure Wells Fargo implements corrective action to prevent further deceptive marketing to consumers.

Urgency : This matter is highly time-sensitive. I have already attempted resolution with Wells Fargo executive offices, but without immediate action, I will be engaging consumer investigative media. I respectfully request that the CFPB intervene promptly to prevent further harm. 

Contact : XXXX XXXX XXXX Phone : 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 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
I am disputing this account/information because my personal data was illegally accessed during the recent TransUnion data breach. I did not authorize this account/inquiry/address, and it is the result of identity compromise. Please investigate this matter, remove the inaccurate information, and update my credit report accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a payment of {$860.00} through my Mohela online account. It showed as processing that day. Because this was right before a holiday weekend, I did not check my account again until Tuesday, XX/XX/XXXX. At that time, the payment was no longer showing as processing, my account showed Payment Due / Past Due, and no debit appeared in my bank. 

On XX/XX/XXXX, I called Mohela. It was extremely difficult to reach a live person through their automated system, which provides no clear option to speak with a representative. After repeated attempts, I reached a representative who told me she saw the payment made on XX/XX/XXXX and mentioned a confirmation, but when I asked why I could not see it on my side, she transferred me to an advanced representative. That person was rude and told me she could not see the payment at all. When I asked to be transferred to another rep, she refused. When I asked for her supervisor, she put me on hold multiple times and eventually came back and told me to just wait a couple of days. 

On XX/XX/XXXX, I called again. This time, the representative confirmed the payment from XX/XX/XXXX and provided me with confirmation number XXXX. She also stated that this issue was happening to other borrowers. 

I have also sent emails to Mohela on XX/XX/XXXX and XX/XX/XXXX requesting written confirmation, but I have not received a clear answer. Despite this, my online account still does not reflect the payment, my bank has not been debited, and as of XX/XX/year>, I have started receiving automated emails from Mohela stating I have not paid. 

I am requesting written confirmation from Mohela that my payment of {$860.00} made on XX/XX/year>, is being processed and will be applied correctly, and that my account will not be reported as late due to this system issue.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that XXXX have been compromised. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate and misleading information being reported on my TransUnion credit file. Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. After reviewing my report, I have identified multiple discrepancies that must be corrected immediately : XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Balance : {$420.00} Date Opened : XX/XX/XXXX Inaccuracy : My payment history is reported as current with no past due balance, yet your records show a late payment notation ( 30 days late ) in XX/XX/XXXX. This is inaccurate and inconsistent with the creditors reporting. Additionally, my high credit and balance information is being misreported across bureaus, which calls into question the accuracy of the file. 

XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Reported Balance : {$190.00} Date Opened : XX/XX/XXXX Inaccuracy : This account is listed as current and never past due. However, TransUnion is showing a 30-day late payment for XX/XX/XXXX, which is false and inconsistent with both my payment records and creditor reporting. The account has always been paid on time and should reflect an unbroken OK history. 

These inaccuracies harm my creditworthiness and violate my rights under the FCRA. I am requesting that TransUnion conduct a full reinvestigation into these accounts. If the creditors can not provide proper documentation verifying the alleged late payments, these negative notations must be deleted from my credit file 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 2025-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I used Chime to send money to my mother. I did so using her phone number as reference. It came up with both my mothers full name and number so the transaction was sent. After an hour I checked with my mother to see if she got the transfer of {$4000.00}, but she said no. After digging I found that there was a chime account that wa made with her number. After showing her this I had her try and log into chime. Instead of swing her information associated with the phone number it was a completely different email from hers that had created the account. I tried to dispute this through chime but they denied my claim within 24 hours with no explication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute an inaccurate late payment reporting on my TransUnion credit file regarding the following account : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Authorized User ) Date Opened : XX/XX/XXXX Reported Late Payment : XX/XX/XXXX ( 30 days late ) According to the account information listed on my TransUnion credit report, a 30-day late payment was reported for XX/XX/XXXX. I respectfully dispute this entry as inaccurate for the following reasons : 1. Account is marked Current with no past due balance. 
2. No missed payments before or after XX/XX/XXXX are reported, suggesting a likely reporting error. 
3. I am listed as an Authorized User, and as such, I should not be held accountable for the primary account holders payment history, especially if there is no consistent delinquency. 
This late payment is adversely affecting my credit score and does not accurately reflect my credit behavior. I request that you reinvestigate this matter, verify the accuracy of the XX/XX/XXXX payment status with the creditor ( XXXX XXXX ), and promptly remove the inaccurate late payment from my credit file if it can not be verified.

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 2025-09-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC
State: KY

Complaint narrative:
Subject : Ongoing Unauthorized Charges Acima Digital Dear CFPB, I previously filed a complaint regarding Acima Digital, which was closed. The company initially offered to assist, but I had already attempted multiple times to resolve the issue, and they refused. 

I paid hundreds of dollars out-of-pocket to fix damages caused by their improper installation of my car battery. Despite sending a cease-and-desist letter on XX/XX/XXXX, regarding all communication and future charges to my debit card yet Acima Digital continues attempting to charge my card.

I request CFPB assistance to ensure the account is closed or corrected for fraudulent actions and that no further unauthorized charges or contact occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To : Experian TransUnion Equifax Subject : Formal Dispute Unauthorized Bankruptcy Reporting & Account Remarks Dear Credit Bureau ( s ), I am formally disputing the inaccurate reporting of a XXXX XXXX Bankruptcy on my credit file. After investigation, I confirmed with the United States Bankruptcy Court, Northern District of Ohio ( Letter dated XX/XX/year> ) that the court does not communicate with, nor provide any information to, the credit bureaus. Bankruptcy records are simply stored in PACER as public records. At no point did I grant permission for my personal information to be extracted, used, or reported by your agency.

By reporting this bankruptcy, you have acted without my authorization, and in direct violation of : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Duty to block fraudulent information resulting from identity theft or unauthorized use.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Duty to assure maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) : Duty to reinvestigate disputed information.

UCC 1-308 : Reservation of rights I do not waive any rights by disputing, and I reserve the right to seek damages.

This false reporting has hindered my ability to obtain credit, housing, and fair opportunities, and constitutes defamation of character. If this is not removed immediately, I will pursue arbitration and damages.

Accounts Improperly Marked with Bankruptcy Remarks In addition, the following accounts are paid/closed in full, yet continue to carry bankruptcy remarks, which is misleading and damaging : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple accounts ) XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  These accounts must be updated to reflect Paid/Closed Account in Good Standing instead of any XXXX  XXXX Bankruptcy reference. Continuing to report bankruptcy remarks on paid accounts is a violation of FCRA 1681s-2 ( furnishers duty to provide accurate information ).

DEMAND 1. Immediately delete the bankruptcy from my credit report.

2. Correct the remarks on all listed accounts to show Paid/Closed with no bankruptcy references.

3. Provide me with an updated copy of my credit report reflecting these corrections within 15 days.

Failure to comply will result in arbitration and a federal lawsuit for damages under the FCRA, UCC, and any applicable state laws.

I expect a response within the statutory time period. 

Sincerely, XXXX XXXX XXXX Without Prejudice

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 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, Capital One restricted my account when I attempted to make a payment using a XXXX XXXX virtual checking account provided by Interactive Brokers ( IBKR ). Capital One required ownership verification for this XXXX virtual account.

Though I explained that it is the brokers, including Interactive Brokers and XXXX, who provide such virtual accounts for customers to transfer funds between the stock market and banks, and that I dont have access to XXXXXXXX XXXX  online banking because of that, Capital One still arranged a conference call with XXXX XXXX to verify ownership. As a result, XXXX representatives could not locate information using the virtual account number, because this type of account is not directly searchable in XXXX system. 

And then I was asked to upload documents to verify ownership. I submitted Interactive Brokers monthly statements showing deposits and withdrawals between Capital One, as well as the Direct Deposit Instructions document issued by IBKR that includes the UMB routing number, the virtual account number, and IBKR account. The final 8 digits of the XXXXXXXX XXXX checking account number exactly matches the numeric component of my IBKR account ID. I have been using this account to push and pull money for months, these deposits and withdrawals are clearly shown on my IBKR statement. 

Despite providing these documents, Capital One has refused to accept them as valid proof of ownership. They insisted to ask a XXXXXXXX XXXX statement instead. As a result, my account remains restricted and I am unable to complete payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
On XX/XX/XXXX, my XXXX XXXX was hacked. I contacted Apple but they were and have still been unable to recover the account. Several credit cards that I had in my wallet or accounts such as paypal were hacked. I have over XXXX  credits. I began receiving alerts from some of them and consequently blocked them. My Goldman sachs Applecard which is tied to apple grit hit with over XXXX charges. I never received an alert from them. Eventually, on XX/XX/XXXX, when I had worked with apple to set up a new account, I went through all of my cards and found this but most of all it was a {$4000.00} payment from the bank account that caught my attention. They accepted to reverse and investigate the charges. For the past months, Ive been disputing these charges as the keep taking them out and putting them back. They asked me to submit a police report which I did. Every time I call, the fraud the department would you say never received it. Id ask for a supervisor who always confirms there is indeed one on file and always promise me they would escalate it. But always I get an email after a few weeks that they have investigated and its not a billing error. The last supervisor said it was coded wrong as a billing error and not fraud and that hed escalate it. But still nothing has been done. When they went back and put it on my credit report, I filed a dispute with experian and they replied back that they had closed the investigation. I have explained several types to them them its not a stolen credit card but rather my account was hacked. There is no possible way I could make charges and not know the items I got and up until now, I cant access the account. Apple and goldman sachs do not want to accept responsibility for this even though they know the account was hacked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: MS

Complaint narrative:
Someone had stole all my money off my card I done everything they told me to do to be able to get my money back but now I haven't received my money for this month XX/XX/year> I haven't received anything yet and I need help getting my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC XXXX. The following accounts are not accurate : XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXXXXXX XXXX XXXX  Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$590.00} XX/XX/XXXX XXXX XXXX Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXXXXXX XXXX CARD XXXXXXXX XXXX XXXX XXXX XXXX {$5600.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section XXXX A. States I have the right to privacy. 15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C XXXX ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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