vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
Specific Account Inaccuracy : XXXX and LVNV Funding In my XXXX report dated XX/XX/year>, there is a clear inconsistency and unresolved issue involving a debt sold from XXXX to LVNV Funding LLC : Original Creditor : XXXX XXXX XXXX 

Account Type : Credit Card XXXX Balance Reported : {$2300.00} ( marked as charged off and closed ) LVNV Funding Balance Reported : {$1900.00} ( listed as a collection ) Issue : The transfer of ownership and balance amounts are inconsistent across all three bureaus, and no verification has been provided by any of the credit bureaus or the new owner of the debt. 

This indicates that either XXXX did not update the charge-off record correctly, or LVNV Funding has failed to report the accurate balance in compliance with XXXX  and FCRA accuracy standards. Each bureaus continued reporting of both tradelines with conflicting balances causes double reporting of the same debt and an artificial inflation of my total debt load.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: NY

Complaint narrative:
In XX/XX/year>, I used my Synchrony Home credit account to finance an HVAC installation with County Comfort Home Solutions. The company failed to complete the work and never filed for required city permits. A XXXX XXXX XXXX was issued by the XXXXXXXX XXXX XXXX XXXX. To this date, the work remains unfinished because the XXXX XXXX XXXX has not been lifted. 

I filed a billing dispute with Synchrony, providing documentation that the project remains incomplete and that the merchant misrepresented its status. Synchrony denied my dispute based on a prior phone call, ignoring the evidence showing the work is not done. 

XXXX XXXX has since sent misleading emails, harassing texts, and even placed a lien on my property while continuing to request rebate paperwork for unfinished work. I escalated with Synchrony, and provided undeniable proof, to re-evaluate my case, as the merchant misrepresented the transaction and Synchrony failed to investigate properly under the Fair Credit Billing Act.

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 2025-11-07 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: CO

Complaint narrative:
to report Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX  Despite my lawful request, you have continued collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
I have a total of five unauthorized transactions on my bank account three of them being unauthorized ATM withdrawals. And to two of them being online transactions, the first one is going to be for flex finance for XX/XX/year> in the amount of {$810.00} second one is flex finance XX/XX/year> in the amount of {$14.00} And for the following are unauthorized ATM withdrawals ATM withdrawal XX/XX/year> for {$200.00} ATM XXXX XXXX XX/XX/year> in the amount of XXXX and {$.00} the third one is ATM Discoteca XXXX XX/XX/year> in the amount of {$100.00} fourth one is XXXX XXXX XX/XX/year> and amount of {$25.00}. All of these unauthorized transactions were not done by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optio Solutions, LLC
State: CA

Complaint narrative:
I am submitting a complaint regarding a debt that was improperly assigned to me by XXXX XXXX XXXX, the former property management company for XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, CA ), and collected by Qualia Collection Services based in XXXX, CA. 
Here are the details of my case : I submitted a lease application for a unit at XXXX XXXX XXXX but never signed a lease, moved in, or occupied the property. This was because the leasing agent at XXXX XXXX XXXX later informed me that the unit was made unavailable after I had begun the lease application. I then communicated with the leasing agent that I would like to terminate the application as the unit was not available anymore. This prompted me to ask for a refund for the {$40.00} application fee. 
The property management at XXXX XXXX XXXX proceeded to charge me {$320.00} for an undisclosed reason for which I communicated to the leasing agent that I would like those charges to be disqualified because the unit I wanted was no longer available. 
The leasing agent neither issued a refund for the {$40.00} application fee after I provided the necessary information to issue a refund nor communicated with the property management that the outstanding charge should be waived. 
Two years later, I received notice from Qualia Collection Services claiming I owed {$320.00}. I was never told what this debt was for prior to collection efforts. 
Under fear of credit reporting and to protect my credit score, I paid the full amount on XX/XX/year>. 
After paying, I requested documentation for the debt, and I received a statement from XXXX XXXX XXXX labeling the charge as a Move-Out Charge even though I never moved in or had a lease agreement. 
Tracking the paper trail, I never lived in XXXX XXXX XXXX and as such should never have been charged for a so called move out fee. 
This appears to be an invalid debt under the Fair Debt Collection Practices Act ( FDCPA ), as well as an improper charge under California Civil Code 1950.6, which caps application fees at approximately {$59.00}.

I am requesting the CFPBs assistance in : Investigating the improper creation and collection of this {$320.00} debt.

Ensuring the charge is removed from any credit reporting.

Assisting in the refund of the {$320.00} that I paid under false pretenses. 

Parties involved : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Qualia Collection Services XXXX XXXX XXXX, XXXX, CA, XXXX I have attached copies of : The debt statement labeling the charge as a move-out fee involving both Qualia Collection Services and XXXX XXXX XXXX Email correspondence with the leasing agent showing I was never a tenant Thank you for your time and attention to this matter. I hope that you can offer some assistance in this wrongful charge to my account and credit. Please let me know if you require any additional documentation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: LA

Complaint narrative:
I am disputing the following items on my credit report with Experian. These accounts have been inaccurately reported as charged off, and I request that they be corrected or removed if they can not be verified. 

CHARGED OFF : XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$10000.00} LATE PAYMENTS : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account 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 explanation
Consumer complaint received 2025-11-07 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: CO

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as collection account opened at XXXX XXXX on XX/XX/year> account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CT

Complaint narrative:
I experienced unauthorized activity in my Robinhood account that resulted in unapproved trades and withdrawals. I did not authorize these transactions or any connection between my bank and Robinhood for these transfers. 
Robinhood opened an investigation ( Case # XXXX ) but concluded there was no fraudulent activity. I have continued to dispute this, as the activity clearly did not originate from me.

I am requesting a reinvestigation, a written explanation of how these transactions were verified as authorized, and reimbursement for the unauthorized losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
XXXX Accounts in Dispute XXXX XXXX Account XXXX. XXXX, Opened XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account No. XXXX, Opened XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX Account No. XXXX, Opened XX/XX/XXXX, Balance : {$0.00} XXXX Account No. XXXX, Opened XX/XX/XXXX, Balance : {$550.00} XXXX XXXX XXXX Account No. XXXX, Opened XX/XX/XXXX, Balance : {$11000.00} Statement : These accounts are showing as charged off or in collections, but I have not been provided with proper verification of their accuracy. I request that Experian confirm all account details directly with the creditors and furnish proof of validation. If Experian can not verify ownership or accuracy, these accounts should be removed immediately. 

Inquiries in Dispute XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Statement : I do not recall authorizing these inquiries. I did not apply for a mortgage or any related product on those dates. Please confirm the authorization and remove these inquiries if no consent is proven. 

Late Payments in Dispute XXXX XXXX XXXX, Account No. XXXX XXXX XXXX, Account XXXX. XXXX XXXX : I believe these late payment entries are not accurately reported. I request Experian to verify them and provide documentation showing the reported delinquencies are valid. If they can not be substantiated, I ask for their immediate deletion.

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 2025-11-07 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I'm reporting multiple unauthorized hard inquiries that appeared on my XXXX credit report. I did not apply for or authorize any new credit applications during this time period. These inquiries are fraudulent and are damaging my credit score. I have disputed these directly with the credit bureau and am requesting CFPB oversight to ensure they are permanently removed. The accounts are as followed : SYNCB - XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: LA

Complaint narrative:
I am a consumer seeking to correct inaccuracies on my credit report. Below are the accounts I am disputing. Please review the details and remove any inaccurate or incomplete information as required by the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF BANKRUPTCY Account Number : XXXX Date Open : XX/XX/year> Balance : {$0.00} INQUIRIES ( No inquiries listed for Equifax in this dispute. ) LATE PAYMENT XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I rented a vehicle from XXXX and paid for it in full using my Chase credit card ending in XXXX, which provides rental car collision damage coverage. During the rental period, the vehicle sustained damage, and I filed a claim through Chases credit card insurance administrator ( Card Benefit Services / eClaimsLine ).

What Happened : The claim was denied on the basis that a covered card was not used to initiate and complete the entire rental vehicle transaction. The only charge that was not placed on the Chase card was a {$120.00} optional pre-paid fuel purchase, which XXXX processed separately. All required rental charges ( vehicle, taxes, and mandatory fees ) were fully paid using my Chase card.

I appealed the denial and requested : The specific policy language defines what constitutes the entire rental vehicle transaction.

Clarification of how an optional fuel add-on affects eligibility for coverage.

A formal review or reconsideration of my claim, as the policy language does not clearly exclude coverage in this scenario.

Despite multiple written follow-ups, the claim administrator has not provided any response or documentation, even though Ive explained the urgency of the situation. XXXX is now demanding payment of {$6000.00} within 9 days, or they will pursue legal action against me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: KS

Complaint narrative:
My cash app is XXXX Transaction number # XXXX was previously scammed company refusing to fix the problem i have been dealing with this issue since the Transaction took place i disputed this 4 times and they denied the claim within 4 days insteadly I would like to see them reimbursement me over this issue it is not right for anyone using there services to keep money over any scam or fraud will be seeking lawyer soon if this is in address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/year>, Chase Bank abruptly closed four of my credit cards ( three personal and one business ) without warning. Ive been a loyal Chase customer for nearly 20 years with a perfect payment record. 

Around XX/XX/XXXX, I noticed my XXXX and travel cards were suddenly canceled in the app. Just days earlier, I had called Chase to ask about adding my sister as an authorized user. Soon after that call, all four cards were closed.

When I called customer service, a supervisor said it was due to unusual authorized user activity and a credit-limit increase request. I had not added any new users to my Chase cards. On a follow-up call, another rep gave inconsistent answers, and when I requested a list of authorized users, Chase provided several names I do not recognizeshowing possible unauthorized activity. 

These closures caused me to lose accumulated rewards ( XXXX XXXX, XXXX, XXXX ) and reduced my available credit, harming my score. I wrote to the Chase Executive office recently requesting investigation and reinstatement, but have not received a response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
CFPB Complaint Summary XXXX XXXX XXXX XXXX. 

I am filing this complaint because XXXX XXXX XXXX XXXX is inaccurately reporting late payments and inconsistent account information across TransUnion, Experian, and Equifax for my XXXX XXXX XXXX of credit ( Account # XXXX ). 

This account was paid on time, closed in good standing, and has a {$0.00} balance, yet all three credit bureaus show false late payments and contradictory statuses. These errors have negatively impacted my credit score and my ability to obtain credit.

I previously mailed dispute letters to all three credit bureaus under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically 602 ( A ) ( accuracy requirement ), 611 ( dispute reinvestigation ), and 623 ( furnisher responsibility ). Despite those disputes, the incorrect information remains. 

Details of the Inaccuracy Account Status : Closed with a {$0.00} balance and {$1800.00} credit limit on all three bureaus. 
Payment History Errors : TransUnion and Equifax show multiple 30-day late payments in XXXX and XXXX. 
Experian lists 30- and 60-day late marks, inconsistent with the other two bureaus.

These entries are false ; I made all payments on time and the account was paid in full.

Reporting Discrepancies : TransUnion : Paid or paying as agreed.

Experian : Paid, was past due 60 days.

Equifax : Pays account as agreed. 
These contradictions show XXXX XXXX and the bureaus have not verified or corrected the information properly. 
Final Payment : XX/XX/XXXX ( account closed in good standing ). 

Impact The false late payments have lowered my credit scores and caused denials of credit and higher interest rates. These errors misrepresent my payment history and violate the FCRA requirement that information furnished to consumer reporting agencies be complete and accurate.

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