vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I am disputing the accuracy, ownership, balance, and verification of the alleged debt being collected by TrueAccord. I have received repeated collection text messages requesting payment and settlement offers, however I have not received complete documentary verification supporting the debt being reported or collected. I am requesting validation of the debt, including complete accounting records, chain of assignment/ownership, original agreements, and documentation supporting the balance being demanded. Collection activity continues despite the debt remaining disputed and unverified. No full account number provided by collector in text communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Newport Intermediate Inc.

Complaint narrative:
XXXX XXXX XXXX.. Prepaid account debit card holder... This message regarding my debit card not working, transfer funds also not working, global transfer funds also not working... I call customer service plenty time from given number back of card... Customer service saying card is ( active ) .. debit. Card is active but not working in atm withdrawal, transfer funds not working, global transfer funds not working, as I know my prepaid account debit card is block and frozen because of some suspect activities like frud.... I got plenty emails... I call customer service they saying wait XXXX days now almost XXXX month.. Still prepaid account debit card block... Customer service not helping... Please investigate matter and resolution...

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau regarding inaccurate, duplicated, and potentially unverifiable information appearing on my credit reports from Equifax, Experian , and TransUnion. I dispute the inclusion of XXXX addresses listed on my credit file : XXXXXXXX XXXX XXXX XXXX, XXXX, CT XXXX and XXXX XXXX XXXX # XXXX, XXXX, CT XXXX, as these addresses do not belong to me and are not associated with my personal or financial history. I request that these addresses be fully investigated and corrected or removed if they can not be properly verified. I also dispute the reporting of several accounts, including XXXX XXXX ( balance {$0.00} ), XXXX XXXX ( balance {$130.00} ), XXXX XXXX ( balance {$1200.00}, appearing duplicated ), and SBNA ( balance {$0.00} ). I request full validation of each account, including contractual documentation, payment history, ownership verification, and accurate reporting of balances and status. Any account that can not be fully verified in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) must be corrected, updated, or removed from my credit file. Additionally, I dispute multiple hard inquiries listed on my credit report, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX XX/XX/XXXX ). I request verification of permissible purpose for each inquiry, and removal of any inquiry that can not be validated as authorized under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: CT

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau regarding inaccurate, duplicated, and potentially unverifiable information appearing on my credit reports from Equifax, Experian , and TransUnion. I dispute the inclusion of XXXX addresses listed on my credit file : XXXXXXXX XXXX XXXX XXXX, XXXX, CT XXXX and XXXX XXXX XXXX # XXXX, XXXX, CT XXXX, as these addresses do not belong to me and are not associated with my personal or financial history. I request that these addresses be fully investigated and corrected or removed if they can not be properly verified. I also dispute the reporting of several accounts, including XXXX XXXX ( balance {$0.00} ), XXXX XXXX ( balance {$130.00} ), XXXX XXXX ( balance {$1200.00}, appearing duplicated ), and SBNA ( balance {$0.00} ). I request full validation of each account, including contractual documentation, payment history, ownership verification, and accurate reporting of balances and status. Any account that can not be fully verified in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) must be corrected, updated, or removed from my credit file. Additionally, I dispute multiple hard inquiries listed on my credit report, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX XX/XX/XXXX ). I request verification of permissible purpose for each inquiry, and removal of any inquiry that can not be validated as authorized under federal 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 non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: NV

Complaint narrative:
In XXXX I entered into a payment agreement with XXXX for orthodontic aligner treatment. I made payments in good faith. At some point XXXX stopped shipping my aligners and became completely unreachable by phone or any other means of contact. I later learned the company had filed for bankruptcy and shut down entirely, abandoning thousands of customers mid-treatment including myself. Because XXXX failed to deliver the services I was paying for, I stopped making payments. I should not be held responsible for a debt on services that were never fully rendered. Tek Collect Inc is now attempting to collect {$1300.00} on behalf of this bankrupt company. I sent a debt validation letter requesting proof of the debt and proof they have legal authority to collect on behalf of a bankrupt company. I have not received adequate validation. I am disputing this debt in full on the grounds that the original creditor breached our agreement by failing to deliver services. I am requesting this collection account be investigated and removed from my credit report immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute through Cash App for a transaction of {$50.00} related to a glow in the dark egg hunt purchase. I believe the product was falsely advertised and did not match what was represented at the time of purchase. After filing the dispute, the merchant contacted me on XX/XX/XXXX asking if I intended to dispute the charge. I responded on XX/XX/XXXX confirming my dispute and concerns regarding the transaction. Since that time, I have not received any further response or resolution from either the merchant or Cash App. I have attempted to resolve this through Cash Apps dispute process, but there has been no update, decision, or meaningful communication regarding the status of my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MO

Complaint narrative:
{$300.00} was transferred out my account to some person named XXXX XXXX. I did not authorize this. And Chime has been no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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:
I am submitting this complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681b, regarding impermissible reporting and use of my consumer credit information. Upon reviewing my credit report, I identified accounts and information that are inaccurate, incomplete, and/or unverifiable. These items are being reported without a valid permissible purpose and without proper certification as required by 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 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Per their email dated XX/XX/year>, XXXX XXXX advised that LVNV Funding would submit a deletion request within XXXX days after resolution. This account was settled and paid pursuant to the attached settlement agreement dated XX/XX/year>. Payment in the agreed settlement amount of {$210.00} was successfully processed. However, the account continues to report as an active collection with a remaining balance instead of reflecting the account as settled/resolved. I am disputing the accuracy of the reporting status and balance. Please update the account to accurately reflect the settled status or delete the account pursuant to prior written correspondence. Also via email I was promised if I paid XXXX the account would be deleted entirely. They only submitted a lessor amount request not deletion. Not even settled. I have proof this is suppose to be a pay to delete in which I honored my half of the process. I now can not get a resolution through them or the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A loan/account from XXXX XXXX appeared on my credit report that I did not authorize and have no knowledge of. I did not apply for or sign any agreement for this loan. I disputed this account with Trans Union and requested verification, including a copy of the original signed contract and any documentation showing that I authorized this loan. Trans Union responded that the account was verified but did not provide any actual documentation or proof bearing my signature. This account is not valid, and I believe it may be the result of fraud or identity theft. Trans Union failed to conduct a reasonable investigation. I am requesting that this account be removed from my credit report or that proper documentation be provided showing that I authorized this loan.

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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: SC

Complaint narrative:
On XX/XX/year>, the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX NC XXXX processed an unauthorized charge of {$150.00} to my card without my knowledge or consent. I was a hotel guest from XXXX XXXX XXXX. Hotel management verbally guaranteed me three separate times that no charge would be made to my card. Despite these guarantees, a named hotel employee XXXX, employee ID XXXX manually entered a {$150.00} charge into the hotels payment system. I have obtained the hotels own XXXX XXXX XXXX XXXX which records this transaction as BILLING MANUAL USER : XXXX. This proves the charge was deliberately entered by a human employee, not an automated system error. When I confronted the hotel, staff falsely told me the computer processed the charge automatically. Their own internal records prove this statement is false. Additionally, the hotels own records show that XXXX had already paid the hotel for this same room via a Deposit Ledger Transfer, meaning the hotel collected payment from two sources simultaneously for the same room constituting double billing. I reported this to Chime and was denied immediate provisional credit despite invoking my rights under Regulation E, 12 CFR Part 1005, as this is an unauthorized electronic fund transfer, not a standard billing dispute. A named employee with a documented employee ID manually charged my card without authorization after three express verbal guarantees of no charge. Chimes failure to treat this as an unauthorized EFT and issue provisional credit within the federally mandated timeframe is a violation of my Regulation E rights. I have the following documentation : hotel CC Auth History, hotel folios, XXXX XXXX internal system printout showing double billing, GPD Event Number XXXX documenting police presence and managements on-record refund agreement, and a pre-litigation demand letter served on hotel owner XXXX XXXX XXXX XXXX XXXX corporate has acknowledged this complaint under Reference Number XXXX. I am requesting the CFPB investigate both the hotels unauthorized billing practices and Chimes failure to properly process my Regulation E dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I submitted my PSLF Buyback/reconsideration request on or around XX/XX/2025. I am filing this complaint because I have been unable to get a clear written status update or resolution regarding my PSLF Buyback/reconsideration request, and I have also been unable to submit a formal complaint through the StudentAid.gov Feedback Center. I submitted a PSLF Buyback/reconsideration request related to months that may count toward Public Service Loan Forgiveness . Since submitting the request, I have not received a clear written status update, confirmation of what stage the request is in, whether any documentation is missing, or what action is needed from me. This delay is significant because these months may affect my eligibility for PSLF forgiveness. Over the past several months, I have attempted to file a formal complaint through the StudentAid.gov Feedback Center multiple times and in multiple ways, including using different browsers and methods. Each time, the website displays a message stating that the page is currently unavailable and that feedback can not be taken right now. I also contacted support, but I was not able to get my complaint formally accepted or documented through that process. I am requesting a written response confirming the current status of my PSLF Buyback/reconsideration request, whether any additional documentation or action is needed from me, whether my qualifying employment and loan history have been accurately reviewed, and whether my servicer/account information has been properly transmitted or made available for the PSLF Buyback review. I am also requesting that this issue be escalated because the official complaint process through StudentAid.gov has been unavailable despite repeated attempts. I have documentation showing the StudentAid.gov Feedback Center error message and can provide screenshots, dates of attempted submissions, support contacts, and any PSLF/Buyback-related confirmations if needed. My federal student loan servicer is MOHELA. Although PSLF Buyback is handled by Federal Student Aid, I am requesting confirmation that MOHELA has accurately maintained and transmitted the loan, payment, deferment/forbearance, and PSLF-related information needed for review.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
Re : Formal Dispute of XXXX Collection Account To Whom It May Concern, I am writing regarding the XXXX collection account currently reporting on my credit file. I have disputed this account previously, yet it continues to be marked as verified without any meaningful explanation or documentation showing that a proper investigation was actually completed. Under the Fair Credit Reporting Act, I have the right to an accurate and fair investigation of disputed information. Simply responding that the account was verified is not sufficient if no supporting documentation has been provided to me. I am requesting that you conduct a complete and reasonable investigation into this account and provide the following : * The original signed agreement or contract bearing my signature * Full payment history on the account * Documentation proving I am legally responsible for the debt * Proof of the date the account became delinquent * The name and address of the party that verified this information At this time, I do not believe this account has been properly verified in accordance with the FCRA. If you can not provide competent documentation supporting the accuracy and ownership of this account, I am requesting that it be removed from my credit report immediately. Please note that reporting inaccurate or unverified information may constitute noncompliance with federal reporting requirements. I expect a response within the timeframe required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
CASH APP INTERNAL ESCALATION TICKET XXXX XXXX XXXXXXXX SUMMARY OF COMPLAINT : I am filing a formal complaint against Block, Inc. ( Cash App ) for a severe account balance reconciliation failure and inadequate dispute handling. XXXX on XX/XX/year> I canceled mobile order from a XXXX that I paid with my Cash App card when I canceled the transaction they put the payment pending then voided it so I wouldnt try and start a dispute about that certain transaction. Yesterday I Called cashapp support and they kept insisting that they have refunded the money and I asked them to show me proof because my cashapp dont have any recent refunds .After I asked to send me my account statements I recieve a photo like if it was a real cashapp statement but u can tell the diffrence I compared it to a real cashapp and you quickly notice diffrence of a fake statement and real ones also, Using the cashapp XXXX mail to send fake info is not normal SECTION XXXX : THE RECONCILIATION DISCREPANCY ( UNREFUNDED VOIDS ) A manual audit of the attached evidence reveals an open-and-shut financial accounting error : The Merchant Cancellation : I have attached a direct digital receipt from XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX explicitly proving that order XXXX for {$21.00} was successfully canceled and voided by the merchant. The Admitted System Error : In an attached support chat screenshot, a Cash App representative explicitly admitted on the record : " the {$21.00} attempt shows as failed on our side ( canceled by the merchant ), so it shouldn't post or settle. '' XXXX XXXX XXXXXXXX XXXX : I have attached Cash Apps internal system log sheet sent to me by phone support. It shows XXXX ' internal lines marking multiple XXXX XXXX charges ( {$21.00} and {$25.00} ) and duplicate XXXX holds as XXXX. ' However, tracking the XXXX ' column mathematically proves the funds vanished and were completely omitted when transitioning to the next calendar day ledger on XX/XX/XXXX. The Legal Smoking XXXX : I have attached my official, legally binding XX/XX/year> Cash App Account Statement. This document completely contradicts Cash App 's internal tool. It proves that despite the merchant canceling the order, and despite Cash App 's system labeling it as failed, no positive green '+ ' refund credits were ever legally applied to my account balance.

Company response to consumer: Closed with explanation