vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Continental Finance Company, LLC
State: OR

Complaint narrative:
Shared my information incorrectly and with others conpanoes witjout my knowledge or approval

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 2025-12-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Rogers, Carter & Payne, LLC
State: LA

Complaint narrative:
I am disputing a wage garnishment in XXXX XXXX XXXX XXXX, Louisiana, for a consumer debt. My weekly take-home pay before garnishment is {$1000.00}, and the garnishment is $ XXXX, which exceeds federal limits. 

I have paid nearly {$19000.00} since XX/XX/XXXX, with only {$61.00} allegedly remaining, but the creditor refuses to provide a current payoff statement or complete payment ledger, citing only an XX/XX/XXXX validation and a payoff amount only good through XX/XX/XXXX. 

I request assistance to obtain a full, current accounting and ensure the garnishment is properly adjusted under federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I requested accurate Truth in Lending ( TILA ) disclosures including the correct XXXX, Finance Charge, Amount Financed, Total of Payments, and a legally compliant Itemization of the Amount Financed. I also requested accurate contract terms, payoff information, and a corrected version of the retail installment sales contract. The contract contained blank required fields, incorrect figures, and violations of Regulation Z

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dispute of Account Under the Fair Credit Reporting Act I am writing to formally dispute the account referenced above, which is currently reported as in collections and charged off. Under the Fair Credit Reporting Act, specifically Section 611 ( 15 U.S.C. 1681i ), I request a thorough investigation into the accuracy of this account. Additionally, in accordance with Section 623 ( 15 U.S.C. 1623 ), I request that the furnishing of this information be corrected if found to be inaccurate. 

The account in question, opened on XX/XX/XXXX, and closed on XX/XX/XXXX, reflects a derogatory status and a profit and loss write-off. Given the circumstances, I request the removal of this account from my credit report if it can not be verified as accurate. 

I appreciate your prompt attention to this matter and look forward to your confirmation once the investigation is complete. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year> I was sold an item by a company called XXXX XXXX XXXX falsely claiming to be representing XXXX XXXX XXXX using AI ( https : XXXX ). XXXX is the payment platform the company used to run the transaction and the company I have been corresponding with for a refund. I am XXXX XXXX XXXX and once I realized that this company misrepresented what they were selling, I contacted XXXX to cancel my order. I was told by XXXX it had already been shipped and I was given specific instructions on how to return the product for a full refund. I shipped the product back unopened with insurance and tracking information that I provided to XXXX. After returning the product I was told by XXXX that they could not issue the refund because I filed a dispute of the charge through my bank. 

In addition to returning the item, I went to my bank branch to ask what to do about the charge and they advised that I dispute the charge as unauthorized. They also advised me to cancel my debit card. I spoke to personal banker XXXX XXXX. He said if the dispute process didn't result in a return of the funds to come back to the bank and they could pursue other legal options. The dispute process has been completed and XXXX, on behalf of Wells Fargo, decided not to refund the amount to my account without allowing me to provide additional info. The basis for XXXX 's decision was information submitted by XXXX that I authorized the charge and it was sent to my home address. However, XXXX did not consider that I returned the item per the return policy and that XXXX informed me it would issue a full refund for the return and did not. After the dispute was filed, XXXX said it would provide a full refund if I remove the dispute claim with the bank. Wells Fargo said that XXXX conducted the investigation on their behalf and it can not be appealed nor can new information be submitted. I am seeking your help to get the {$290.00} that XXXX will not refund and XXXXWells Fargo will not assist me in getting returned. I want to prevent others from being defrauded as well by XXXX and its vendors. Please be advised that there are many BBB complaints of the same scam.

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 2025-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: IA

Complaint narrative:
In XX/XX/year>, I made a purchase from XXXX for {$370.00}. The package never arrived. Although the tracking initially showed delivered, XXXX completed an investigation and issued a written statement confirming that the package was never delivered and is irretrievably lost. 

I filed a police report ( Report XXXX. XXXX ) after confirming the package was missing. 
I also contacted XXXX XXXX, but they refused to issue a refund or replacement, even after XXXX confirmed the loss. 

I submitted a dispute to Chime and provided all supporting documents, including : XXXX loss confirmation, Police report, Evidence of the merchants refusal to resolve the issue. 

However, Chime denied my dispute XXXX times ( initial dispute and XXXX re-disputes ). 
Chime did not explain why the evidence was not considered. 

Because the merchandise never reached me, this is a standard merchandise not received case. 
I am requesting CFPB assistance to have Chime properly reinvestigate my dispute in accordance with applicable regulations and card-network rules. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Dear Portfolio Recovery AssociatesXXXX XXXX XXXX  XXXX I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: eCon Credit LP
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX  days of initial contact. The accounts Ive referenced are not XXXX % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
This information is incorrect because the debt was paid by insurance, the amount is wrong, or the account does not belong to me Under the Fair Credit Reporting Act, I request that you investigate this matter and remove or correct the inaccurate information. Please provide me with written confirmation of the results of your investigation. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and inconsistent reporting by Experian and TransUnion concerning XXXX accounts appearing on my credit file : XXXX ( Account XXXX XXXXXXXX ) and XXXX XXXX ( Account XXXX XXXXXXXX ). For the XXXX account XXXX Experian reports a Date of Last Activity of XX/XX/XXXX, Date Reported of XX/XX/XXXX, and Date Opened of XX/XX/XXXX, while TransUnion lists a Date of Last Activity of XX/XX/XXXX, Date Reported of XX/XX/XXXX, and Date Opened of XX/XX/XXXX, resulting in conflicting dates for the same account despite both bureaus showing a balance of {$0.00}. The XXXX XXXX account shows similar discrepancies : Experian reports a Date of Last Activity of XX/XX/XXXX and a Date Reported of XX/XX/XXXX, while TransUnion lists a Date of Last Activity of XX/XX/XXXX with the same reporting date, even though both bureaus list XXXX, XXXX, and XXXX late payments and a balance of {$1200.00}. These inconsistencies violate the accuracy and investigation standards outlined under FCRA 611 ( 15 U.S.C. 1681i ), FCRA 623 ( a ) ( 2 ), and FCRA 623 ( b ), as well as my right to proper correction of billing-related information under 15 U.S. Code 1666 and the creditors restrictions during disputes under 1666a. The mismatched dates create an incorrect timeline of events, negatively affecting the reliability of my credit history, and it is evident that the furnishers and the bureaus have failed to properly verify, update, and maintain consistent information as mandated by the Fair Credit Reporting 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 explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: UT

Complaint narrative:
I am filing a complaint because I was targeted by a scam where someone impersonated XXXX XXXX  fraud department, and U.S. Bank has denied my claim. This scam has left my account negative almost {$900.00} and I can not deposit money without it being taken, which has caused serious financial harm and missed bill payments. 

The text messages and communication I received looked exactly like real fraud alerts I have received from U.S. Bank in the past. The wording, format, and style matched previous bank alerts that were legitimate. Because of this, I believed I was speaking with an actual U.S. Bank representative. 

I later found out that the person was a scammer using social engineering to make me think my account had been compromised. They walked me through steps that they said were necessary to secure my account. I was following instructions after being put in a state of distress. 

After the transactions went through, I contacted the merchants involved ( XXXX and XXXX XXXX  XXXX  ). Both told me they could not help because there was no physical coercion. However, this was still coercive. The scammer used urgency, impersonation, and pressure to get me to follow their instructions. I never knowingly authorized fraudulent transfers.

When I reached out to U.S. Bank, they denied my claim and told me it did not qualify as fraud because I followed instructions given to me by the scammer. I am requesting that U.S. Bank reopen the claim and classify this as an impersonation scam, since I only acted under the belief that I was communicating with the banks fraud department. 

This situation has caused severe financial hardship. My account is still negative, I can not use it, I can not deposit money without it being taken, and many of my bills are now late because of this. I am asking for help resolving this situation, including : XXXX. Reopening and reevaluating my claim XXXX. Reversing or reimbursing the unauthorized transactions XXXX. Restoring my account to good standing XXXX. Removing any fees or negative impacts caused by this incident I acted in good faith and believed I was protecting my account from fraud. I am asking for support and relief so I can recover financially from this scam. 

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 2025-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: OH

Complaint narrative:
XXXX. Both myself and Cash App seem to agree that at the beginning of the day on XX/XX/year> my cash balance was at XXXX. 

XXXX. Both myself and Cash App seem to agree that between the beginning of the day on XX/XX/year> and time of this writing ( XX/XX/year> @ XXXX EST ) all credits posted were equal to {$220.00}. 

XXXX. Both myself and Cash App seem to agree that between the beginning of the day on XXXX/XXXX/2055 and the time of this writing ( XX/XX/year> ) @ XXXX EST, all debits posted were equal to {$120.00} XXXX. Cash app and myself disagree as to what balance should now should be available to me. Cash app is only making available to me {$62.00} however based on my calculations, I should have {$100.00} available to me. There appears to missing a total of {$41.00} in my account, but no line item appearing to account for the missing funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/year> at XXXX. approximately I stopped at the U.S. Bank XXXX XXXX through at XXXX XXXX XXXX, XXXX, IL XXXX and was depositing {$70.00} cash into the atm and while the atm was counting my money it malfunctioned and shut off while ejecting my debit card with no type of receipt or transaction. I immediately went into the branch and was instructed to call the XXXX US bank number. I did and filed a claim. Now XXXX business days later I received a letter stating my claim was denied and they were unable to locate my deposit. Now mind you this is a bank branch and they have cameras to solidify my claim. I feel as my own bank has robbed me.

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 2025-12-10 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I have been a victim of identity theft. someone used my information to obtain a credit card without my consent. Can you please remove this account from my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: LA

Complaint narrative:
I am filing this complaint because a debt collection agency IC System Inc XXXX XXXXXXXX has continued to contact me regarding an alleged debt even after I sent a formal Cease and Desist Letter under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. I clearly requested that they stop all communication with me about this account, but they have continued to call, email, or mail me after receiving my written notice.Their continued communication is a violation of my rights under the FDCPA, which prohibits debt collectors from contacting a consumer after receiving a written request to stop. I am requesting that the CFPB review this matter and ensure the company ceases all contact, removes any false reporting from my credit file if applicable, and complies with all federal collection laws.

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 2025-12-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dispute of Account Under the Fair Credit Reporting Act I am writing to formally dispute the account referenced above, which is currently reported as in collections and charged off. Under the Fair Credit Reporting Act, specifically Section 611 ( 15 U.S.C. 1681i ), I request a thorough investigation into the accuracy of this account. Additionally, in accordance with Section 623 ( 15 U.S.C. 1623 ), I request that the furnishing of this information be corrected if found to be inaccurate. 

The account in question, opened on XX/XX/XXXX, and closed on XX/XX/XXXX, reflects a derogatory status and a profit and loss write-off. Given the circumstances, I request the removal of this account from my credit report if it can not be verified as accurate. 

I appreciate your prompt attention to this matter and look forward to your confirmation once the investigation is complete. 

Thank you for your cooperation.

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 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I disputed a XXXX XXXX account with XXXX XXXX XXXX XXXX. As a result of their automated dispute process, my XXXX  XXXX accounts were incorrectly coded as Consumer disputes this account, even though I did NOT dispute all my XXXX  XXXX account. This dispute remark is inaccurate. Because XXXX XXXX XXXX placed this remark, XXXX XXXX was required to immediately update my account data causing mid-cycle balances to be reported that do NOT reflect my actual statement balances. I normally pay these accounts off before the statement date. These mid-cycle balances negatively impacted my XXXX  XXXX, and the dispute remark itself is inaccurate and was not initiated by me. I contacted XXXX  XXXX to remove the dispute remark, but they refused unless I opened a new XXXX digital dispute, which is inappropriate because I am NOT disputing the account. I only need the inaccurate remark removed and the reporting corrected. Under FCRA 623 ( furnishers must provide accurate information ) and 611 ( consumer rights to correct inaccurate information ), I am requesting that the CFPB require XXXX XXXX to : XXXX. Remove the inaccurate dispute remark ( consumer disputes this account ) from all bureaus. XXXX. Send corrected, updated reporting to XXXX XXXX reflecting normal reporting ( not mid-cycle balances ). XXXX. Confirm that no dispute is associated with my XXXX XXXX accounts. I did NOT dispute any XXXX XXXX account, and this inaccurate remark is causing incorrect data to appear on my reports. I need this corrected immediately and permanently. * *

Company response to consumer: Closed with non-monetary relief