vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-25 00:00:00
Product: Credit card — Store credit 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: NJ

Complaint narrative:
Dear Consumer Reports Team, I am writing to request assistance with an unresolved refund issue involving Macys and one of their partnered manufacturers. 

On XX/XX/XXXX, I purchased a vase from Macys through their online platform ( Order # XXXX ). Upon receiving the order, I discovered that the vase was not as described and initiated a return using the official Macys return process and the prepaid return label provided by Macys. 

I returned exactly the same item I received, in its original packaging, on XX/XX/XXXX, and according to XXXX tracking number XXXX, the return was delivered and received on XX/XX/XXXX. 

Despite this, the manufacturer has claimed that I returned an incorrect item and has refused to verify the refund with Macys. As a result, Macys has denied issuing my refund, even though I followed all their return instructions and have clear proof of delivery. 

All of my correspondence with Macys has been conducted over the phone, with the most recent conversation taking place on Thursday, XX/XX/XXXX. During that call, I was again told that nothing can be done because the manufacturer insists that the item was incorrect. I believe this is an unfair business practice, as I never received any other item besides what I returned. Consumers should not be held responsible for internal disputes between a retailer and its vendor. 

I respectfully request Consumer Reports assistance in reviewing this matter and, if possible, contacting Macys to help facilitate a fair resolution. I can provide full supporting documentation, including : Order confirmation and payment proof Return authorization and tracking details Correspondence records and call logs with Macys Thank you for your time and attention. I appreciate any guidance or advocacy your team can offer to help resolve this issue.

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 2025-10-25 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: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
I am reaching out about current account XXXX On Thursday XX/XX/year>. I made a purchase at XXXX XXXX XXXX  of XXXX For legal retainment to fight my family case From the firm on Friday XX/XX/XXXX after speaking with the parlegal on the case XXXX whom. In formed me he had been reviewing my documents and would be contacting the other lawyer to find out the details of the case after being called by the other attorney whom I wanted removed from the case. She told me the lawyer told her he would leave the case to her. I reached out to them several times after forwarding my documents for the case.there has been no response or contact since XX/XX/XXXX i have even request a full refund on two different occasions no reply since last Friday earlier this week I had my XXXX XXXX XXXXXXXX XXXX From XXXX  XXXX call in hope of getting some help with the matter since have refused to answer me or refund my funds since being unable too render my services from the firm i immediately reached out too my financial institution current to resolve the issue on account of the matter i have provided them all correspondence of non compliance to retainer agreement after disputing the transaction and providing evidence of lack of service or reply current has failed to resolve the matter. As the transaction has settled in my account and the dispute was concluded as a lost when it should have been automatically reversed. On account of the merchant failure to communicate or honor services agreed upon current has failed to uphold the obligation too me their victimized customer no satisfactory actions have been made on my account this is the second time this has occurred with current with a transaction after providing conclusive documents for the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
On XX/XX/XXXX, I had full coverage insurance through XXXX with my job. I had a health issue that prompted an MRI from XXXX Hospital. XXXX did not cover the charge and I was billed {$390.00}. 

There are XXXX issues with this : XXXX, at the time I was not notified that my insurance had not covered the bill but rather was told that I did not owe anything at the point of care. XXXX requires you to submit your current insurance information and pay any upfront costs at the time of, and I was told that everything went through on my insurance. It wasn't until years later that I was notified through a different collection agency that I owed XXXX a fee and discovered that my insurance had not covered the charge. 

XXXX, XXXX should have covered the entire procedure since I was paying a high premium for them to do so. 

I paid the first collection agency {$450.00} dollars and was informed that I had covered my bill with XXXX. 

A few weeks ago ( XXXX ), I was contacted by Holloway Credit ( Debt Collector ), claiming I still owe XXXX $ XXXX. I instantly disputed this charge and was then provided " evidence '' from XXXX in response to my dispute that now, supposedly, the MRI originally costed {$3600.00} despite the evidence that I have to the contrary that clearly shows the original bill was {$390.00}. 

I would like to have this false " debt '' removed from any association with me or my credit score pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ). 

Additionally, I consider it an act of bad faith by XXXX that at the time of service they did not immediately inform me that my insurance was not planning on covering that test, otherwise I would have chosen not to go through with it, and that at no time after was I informed that my insurance did not cover and was only notified about an amount owed once it was already in collection, and by then XXXX declined to " work with me '' on it because they said once a bill is sent to collection, they no longer provide options for payments or to settle. 

So essentially I was provided no notification or avenue for recourse until it was too late and there was no recourse available to me, per XXXX. 

I also have received no bill from XXXX besides the original that I'm attaching in my evidence, that proves the charge was only {$390.00}, and I challenge XXXX to provide evidence that they sent me any updated or amended bill to the contrary within a reasonable time frame from the time that services were rendered ( not XXXX  years later ) or afforded me any chance to dispute or arrange payments or settle it with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
I received notice of an alleged debt that this company claims I owe. i exercise my rights under fair debt collection practices act 15 U.S.C 1692. and requested written validation of the debt including proof of the original creditor the amount owed and documentation showing I am illegally responsible for it. the company has failed to provide proper validation and continues to repot the account to credit bureaus.

Reporting an unverified debt violates both the FDCPA and the fair credit reporting act 1681 which prohibits furnishes from reporting information they know or should know is inaccurate or unverified. 
I am submitting this complaint because the company has not provided the required documentation prove the debt validated but continued to damage my credit repot with inaccurate or unverified information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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: NV

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I received notice of an alleged debt that this company claims I owe. i exercise my rights under fair debt collection practices act 15 U.S.C 1692. and requested written validation of the debt including proof of the original creditor the amount owed and documentation showing I am illegally responsible for it. the company has failed to provide proper validation and continues to repot the account to credit bureaus.

Reporting an unverified debt violates both the FDCPA and the fair credit reporting act 1681 which prohibits furnishes from reporting information they know or should know is inaccurate or unverified. 
I am submitting this complaint because the company has not provided the required documentation prove the debt validated but continued to damage my credit repot with inaccurate or unverified information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: TN

Complaint narrative:
There are inquiries on my credit report that arent mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update e records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/year> there was an online bank transfer of {$400.00} that Wells Fargo Bank said was fraudulent but sent me a letter at that time saying they wouldnt credit my account .. I recently found out, on the same day ( XXXX ) this person also took additional debit card withdrawals of {$100.00} {$300.00} & {$20.00} which I was unaware of till nowIve spent hours on the phone with Wells Fargo XXXX department XXXX the run around to no availI asked them who made the online bank transfer ( that they agreed was fraud ) but they say they dont know, which cant be true since they paid it out of my accountmy claim number # 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 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-10-25 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:
Upon reviewing my credit report, I noticed inquiries that are mine and do not belong to my credit file.

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 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXdate filed XX/XX/year> XXXX  XXXX bankruptcy has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, I applied for a Capital One business credit card and was told I was approved for a {$5000.00} line of credit, pending document verification. I submitted the requested documents right away. 

On XX/XX/year>, I received what appeared to be a duplicate request with no clear explanation of what was missing. I believed I had already submitted a valid primary document my Articles of Organization along with the official filing receipt. According to the instructions, two secondary documents are only required if the address on the primary document does not match the business application, which I didnt believe was the case. While my home address was different, the mailing address on the application matched the address listed on the Articles of Organization. 

I called on XX/XX/year> at XXXXXXXX XXXX to clarify what else was needed. The representative was unable to confirm whether my primary document was accepted or explain what specifically was missing. The only response I received was, Underwriting says they need more, without any meaningful detail. I left the call just as confused as when I started. After this call, I submitted the documents I had on hand while continuing to gather others I knew would qualify including my EIN assignment letter and a bank statement.

The letter I received along with the information on Capital Ones website stated I had until XX/XX/year> to submit the required documents. However, my application was denied early on XX/XX/year> without any warning or explanation. At the time, I was actively gathering additional supporting documents, as I had begun to realize that two secondary documents might be required in addition to the primary. I was not given the opportunity to complete the process before the deadline. 

I called again on XX/XX/year> at XXXX XXXX and spoke with a supervisor, who told me the application could be reopened with a new credit inquiry. I explicitly agreed and confirmed I was okay with the hard inquiry. However, the application was never reopened, and I received no follow-up.

When I asked how to file a formal complaint, the supervisor stated that Capital One had no formal complaint process. She said she would forward my concerns after resolving the immediate issue but ended the call without doing so. I believe this was intentional. At the end of the call, she specifically asked if that was all for the issue at hand, and

when I said yes, she quickly ended the call without addressing my request to file a complaint. Capital One failed to clearly communicate its documentation requirements, denied my application prematurely, and failed to follow through on its commitment to reopen the application or submit my complaint. They also failed to offer their customers a clear way to complain about an experience.

Company response to consumer: Closed with explanation