vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To the Consumer Financial Protection Bureau : I am filing this complaint against Capital One for the mishandling of a billing dispute and for providing deceptive information that negatively impacted my ability to resolve this issue directly with the merchant. 

1. Product Safety Failure & Merchant Refusal In late XX/XX/year>, I purchased the " XXXX XXXX '' XXXX XXXX attachment from the merchant XXXX XXXX. In XX/XX/year>, the product suffered a catastrophic mechanical failure during normal use. The locking mechanism broke, turning my XXXX XXXX into a projectile and launching it across the room. This defect poses a severe safety hazard to people and property. When I contacted XXXX XXXX, they refused to issue a refund unless I paid return shipping costs for their dangerous debris. I refused to pay to return a product that had already failed safely standards, nor would I accept a replacement of the same defective design. 

2. Misleading Information from Capital One I initiated a dispute with Capital One regarding this transaction. During the investigation, a Capital One customer service representative explicitly informed me that the dispute was " taken care of '' and that a permanent credit had been issued to my account. Crucially, this representative instructed me that I did not need to communicate with the merchant any longer. 

Relying on this instruction from my bank, I ceased negotiations with the merchant. 

3. Unfair Reversal of Credit On XX/XX/year>, despite the previous assurances, I received a notification that Capital One reversed the credit and is holding me liable for the charge. This reversal is unfair and deceptive because : Detrimental Reliance : I stopped pursuing a resolution with the merchant specifically because Capital Ones agent told me the matter was resolved.

Valid Dispute : The product was not just " unsatisfactory '' ; it was dangerous and defective, violating the implied warranty of merchantability. 

XXXX XXXX : The bank failed to properly advocate for the consumer regarding a product that failed to meet basic safety and durability standards. 

Resolution Requested : I request that Capital One honor the statement made by their representative and issue a permanent credit for this transaction. I should not be penalized for following the direct instructions of the bank 's own support staff, nor should I be forced to pay for a product that created a projectile hazard in my home.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: TX

Complaint narrative:
National Recovery Agency account number XXXX. I'm unaware of this debt on my credit report and did not have the opportunity to dispute this account. If you believe you sent proper notification via purchase agreement, please provide XXXX Mail '' with receipt displaying my signature. If not, please delete the account : XXXX as soon as possible from my report or I will be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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 discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: Self Financial Inc.
State: SC

Complaint narrative:
I am writing to formally dispute the collection account reported on my credit file. As per my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681, I am requesting an investigation into the accuracy, validity, and verifiability of this account.

The account in question is as followed XXXX XXXX XXXX  Account Number : XXXX Date Opened : XXXX XXXX  Grounds for Dispute : Upon reviewing my credit report, I found that this collection account contains inaccurate and/or unverifiable information, which is a direct violation of the FCRA 611 ( 15 U.S.C. 1681i ). Under this law, the credit bureau must conduct a proper investigation and remove any information that can not be fully verified. 

Additionally, under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must provide proper validation of a debt upon request. I have not received any legal validation of this alleged debt, which means it can not be legally reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I owe CashApp money but theyre not allowing me to make payments. Theres no one to speak to other than the robot chat which cant solve the problem. In the meantime the late fees are accruing and theyre not allowing me to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Dunn Law, P.A.
State: FL

Complaint narrative:
I am filing this complaint against Dunn Law , P.A . for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. Section 1692 et seq. 
BACKGROUND : On XX/XX/year>, I sent Dunn Law , P.A . a written letter containing : 1. A debt validation request pursuant to 15 U.S.C. Section 1692g ( b ) 2. A cease and desist communication demand pursuant to 15 U.S.C. Section 1692c ( c ) This letter was sent well within the 30-day validation period following their initial communication regarding an alleged debt owed to XXXX XXXX XXXX XXXX XXXX XXXX 
VIOLATIONS : VIOLATION # 1 : Continued Collection During Validation Period ( 15 U.S.C. Section 1692g ( b ) ) After receiving my debt validation request on XX/XX/year>, Dunn Law , P.A . was legally required to cease all collection activities until proper validation was provided, provide verification of the debt, and not contact me during the validation period.To date ( nearly 2 months later ), they have NOT provided the requested debt validation. 
VIOLATION # 2 : Communication After Cease-and-Desist Demand ( 15 U.S.C.

Section 1692c ( c ) ) Despite my clear written demand to cease all communication, Dunn Law , P.A . sent me an email on XX/XX/year> at XXXX XXXX EST ( from XXXX ). 
This email stated : " This is a reminder to inform you that you have a scheduled payment of {$100.00} for XXXX [ XXXX XXXX XXXX XXXX XXXX ] due on XX/XX/year>. Please call Dunn Law , P.A . at XXXX Option 3 to discuss further. '' Under 15 U.S.C. Section 1692c ( c ), once a consumer requests in writing that a debt collector cease communication, the collector may ONLY confirm that collection efforts are being terminated OR notify the consumer of specific intended actions ( such as filing a lawsuit ). A " payment reminder '' demanding {$100.00} and requesting I call them falls into NEITHER exception. 
VIOLATION # 3 : False or Misleading Representations ( 15 U.S.C. Section 1692e ) By sending a payment demand while ignoring my validation request, ignoring my cease communication demand, and failing to provide required debt validation, Dunn Law , P.A .

has engaged in false and misleading collection practices.

EVIDENCE : I have retained copies of : 1. My XX/XX/year> debt validation and cease communication letter 2. The XX/XX/year> email from Dunn Law , P.A . ( with full headers ) 3. All related correspondence IMPACT : These violations have caused me significant stress and XXXX concern about my legal rights being ignored, fear of continued harassment despite lawful demands, and worry about potential negative credit reporting.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever theXXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever theXXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: PA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CHOICE CAPITAL FUND
State: UT

Complaint narrative:
I have reached out. I don't know if the email has gone through. im in credit counseling. I have no money to make the payments right now.. i have to many people to pay. even if i were to include the loan smith as an account at the moment they may be listed as a pending account as i have no funds available in the moment. IM recovering financially at the moment. I just need more time.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: IN

Complaint narrative:
The alleged debt arises from disputed landlord-tenant charges assessed after the end of a residential lease. The charges consisted of improper fees and amounts attributable to normal wear and tear, which I formally disputed in writing shortly after receiving the final statement. 

I requested documentation and validation of the charges, including an itemized breakdown and proof that the amounts claimed were legally owed. The company did not provide the requested documentation or validation. 

Despite the ongoing dispute and lack of supporting documentation, the company referred the account to a third-party collection agency. The collection activity relates to amounts that are not owed and were disputed prior to being sent to collections. 

I have made good-faith efforts to resolve this matter and to obtain supporting information. The companys failure to validate the debt and its decision to pursue collection on a disputed amount is the basis of this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
call received by me on XX/XX/XXXX at XXXX XXXX, said Citibank fraud. call came from XXXX said a virtual credit card application was submitted on XX/XX/XXXX and approved on XX/XX/XXXX. card had attempted use this morning XX/XX/XXXX at XXXX XXXX  at XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX for {$870.00} it was denied by Citibank . they continued to go thru transaction information and wanted to transfer me to the IRS to report fraudulent activity. they did not ask me for any information of myself. only confirmed name and my phone number they gave me the credit card number and employee calling me was XXXX XXXX ID # XXXX. fax # XXXX said document ID was XXXX. They called me back multiple times from different numbers XXXX and XXXX. I called Citibank direct after and confirmed they had no matching information to provide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: WV

Complaint narrative:
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute Basis : Inconsistent reporting of delinquencies and unverifiable late payment status. 
Demand : Provide validation or delete derogatory entries. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute Basis : Paid/Closed account still showing late payment history. 
Demand : Remove derogatory history tied to closed account. 
XXXX. Department of Education / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Basis : Accounts in deferment incorrectly reported with lates and X codes. 
Demand : Delete derogatory entries and maintain accurate deferment status. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute Basis : Charge-off reporting with inconsistent balance and credit limit data. 
Demand : Provide full validation or delete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
In XXXX, during the COVID lockdown and widespread USPS delays, I redeemed my Chase Freedom rewards points for XXXX ( XXXX ) {$50.00} gift cards. Those gift cards never arrived. At that time, mail delivery was extremely unreliable, and many items were lost or delayed for months. 

I contacted Chase multiple times to report that the gift cards had not been delivered. After several calls, a Chase representative agreed to restore the rewards points to my account so I could redeem them again. Since I was afraid of losing more gift cards in the mail, I chose to redeem the reinstated points as a statement credit instead. 

Sometime after this, my account was closed by Chase. I was told it was due to misuse of the rewards program, based on the assumption that I received the original gift cards and then also used the reinstated points for statement credit. This is not true. I never received or used those gift cards. Chase voluntarily returned those points to me because the items were never delivered. I used only the refunded points that Chase restored to my account. 

I did not engage in any form of duplicate redemption, fraud, or reward abuse. The account closure was based on a misunderstanding caused by COVID-era mail failures something entirely outside my control. 

It has now been almost six years, and this closure has resulted in an ongoing ban preventing me from obtaining any Chase credit card. I am respectfully requesting a full manual review of this situation, removal of the fraud/rewards misuse flag, and restoration of my eligibility to apply for Chase cards . I have been truthful, consistent, and cooperative from the beginning, and I have never attempted to misuse the rewards program. 

All I am asking for is for Chase to review the record in context : The original gift cards never arrived Chase investigated and restored the points I used only the reinstated points The closure was based on an incorrect assumption I appreciate your time and request reconsideration of this decision. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
When reviewing my credit report, I discovered several hard inquiries that I never authorized. 
These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information.

To protect myself and follow the proper legal process, I filed an FTC Report ( Case No. XXXX ) documenting the unauthorized activity. 
Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within four ( 4 ) business days.

This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file. 
Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ).

The continued appearance of these inquiries has harmed my credit score and raised concerns about the security of my personal information. 
It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated. 
I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly. 
However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer rights.

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