vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Opportunity Financial, LLC
State: MI

Complaint narrative:
I am writing to formally request an investigation into a charge-off that has been reported inaccurately on my credit report regarding an account with Opp Loans. The details are as follows : Account Holder Name : XXXX XXXX Account Number : XXXX Original Amount Charged Off : {$1400.00} Date of Charge-Off : not given Current Balance Being Reported : {$1400.00} The account in question has been repeatedly updated with varying amounts, which has caused confusion and negatively impacted my credit score. The most recent update shows an amount of $ [ XXXX XXXX XXXX ], which is different from the original charge-off amount of {$1400.00}. 

I believe this is an error as I have taken the following actions : XXXX. Made timely payments prior to the charge-off. 
XXXX. Attempted to resolve this matter directly with Opp Loans but have not received a satisfactory resolution. 
XXXX. Contacted their customer service on [ insert dates ], and I have documentation of those conversations. 

I request that this charge-off be investigated and removed from my credit report as it is inaccurate and unfairly affecting my credit standing. I can provide additional documentation if necessary. 

Thank you for your assistance in resolving this matter. I look forward to your prompt attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Comerica
State: TX

Complaint narrative:
My phone was stolen from a gas station. I made a police report. Whoever stole the phone then accessed my bank account on it and the next day I immediately reported it to the bank with a copy of the police report number. The bank credited the money back. But then the clerk that helped me dispute it made an error and didnt upload the police report so they not only took the money back the took all the money in the account! And then refused to fix it or even return calls and closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: CA

Complaint narrative:
In XXXX, my family and I financed a home water treatment system through Aqua Finance. We were misled about the loan terms and total cost. I was later identified as an affected consumer in the FTC 's lawsuit against Aqua Finance and received a refund check in XXXX  XXXX. Despite this, Aqua Finance continues to bill me, and my balance has increased excessively due to unexpected interest and fees. These practices have caused significant financial hardship for my family. I am requesting a full review and correction of my account, and that Aqua Finance pause all collections and negative credit reporting while this matter is being investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: RI

Complaint narrative:
Dear LVNV FUNDING LLC ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : All 3 accounts reported are fraudulent unknown to me and no knowledge.

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 : XXXX  Original Credit Agreement ( the contract I allegedly signed, if applicable ) XXXX  Full Itemized Statement ( showing how the balance was calculated ) XXXX Forward Flow Agreement ( proving debt transfer from original creditor ) XXXX  Chain of Title / Assignment Documents ( showing legal transfer of ownership ) XXXX  Complete Payment History Records ( verifying payments or delinquencies ) XXXX Validation Notice ( per FDCPA 1692g ) XXXX  Notice of Default / Intent to Collect ( as required by law ) XXXX  Proof of Statute of Limitations ( confirming debt is legally collectible ) XXXX  Credit Reporting Agreement ( authorizing reporting to bureaus ) XXXX  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 Cushman v. Trans Union, Dennis v. BEH-1, Clark v. Capital Credit, and Greco v. Trauner confirm 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 2025-10-29 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: NC

Complaint narrative:
Capital One Customer Service is horrible. I've contacted people several times about XXXX charges on my account ending in XXXX. A charge for {$210.00} and a charge for {$48.00}. Escalation manages have hung up in my face, I've been told that they aren't doing anything else for me and that I need to contact XXXX. I have already contacted XXXX when I canceled and I finally was able to get a cancelation email. In the beginning contacting XXXX was a nightmare. Once I was finally able to contact them it was still in the time frame allowed for me to get a refund. Once I contacted capital one and told them what was going on and sent them proof I haven't had anything good at all with this Escalation department. Rude, disrespectful and hanging up in my face. At this point I need help. I sent capital one everything they needed and this company XXXX lied on me as well to capital one and told them I rented the vehicle and that was a lie. Capital One isn't doing anything for me in this matter and they don't care how they treat their customers. I'm tired of them talking to me disrespectful, hanging up the phone and not helping me at all. I'm contacting you because I need help. Capital One told me they closed my case and to contact XXXX. I am not getting anywhere contacting XXXX. I am not happy with Capital One XXXX Department at all. I have all the calls to capital one just today and last week documented. This is stressing me out and making me very sick dealing with capital one escalation dept hanging up in my face and talking to me poorly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Self Financial Inc.
State: MO

Complaint narrative:
Product or service : credit reporting Issue : improper use of credit report Type of issue : unrecognized inquiries Remove all non account holding inquiries I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give Flagship XXXX Current SBNASELFLMDR THESE ARE CLOSED ACCOUNTS REPORTING TO MY ACCOUNT AND THEY SAY THEY ARE PAID IN FULL permission to furnish this incorrect information onto my credit report. 
This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. The inquiry was not authorized none of these accounts and would like them remove. Under Credit reporting act FCRA ( 15 U.S.C s 1681s-2 you have the right to dispute any incorrect reporting directly with the credit bureaus. 
Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: AR

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several account.Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I utilized the PNC Bank ATM located at XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX on XX/XX/XXXX around XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I attempted to withdraw {$400.00} from my XXXX XXXX  XXXX Account. The screen showed an error and no money was dispensed, but a receipt printed showing that my account had been debited {$400.00}. I contacted XXXX XXXX and filed a dispute. They did an investigation and provided me with a report from PNC, and denied my claim. However, I requested the documents and see that PNC sent them a transaction from the other ATM in that location ( XXXX ) which showed no errors. I did take out {$400.00} on that machine after the other machine failed to give me my funds, since I had to make a payment that evening. ATM # XXXX did dispense the funds, but ATM XXXX XXXX did not. I went back to ATM # XXXX to attempt to take out {$20.00} in hopes that my {$400.00} had been in the money drawer and would come out, since it sounded like the door had gotten stuck the first time. I was able to withdraw the {$20.00}, but my {$400.00} was not in the machine. I have contacted the Quick Check an spoken to several employees, who all state that they are aware that this particular ATM ( # XXXX ) has been debiting peoples accounts without dispensing the funds. It is still occurring over a month after my situation. I have requested a copy of the security footage from XX/XX/XXXX, to prove my funds were never dispensed. However, PNC is stating that they are not in charge of the ATM at that location and I can not get a direct answer from anyone on who owns and operates that machine and how I am supposed to get my {$400.00} back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I state that the false late payment entries on my accounts are in violation of 15 USC 1666. I have consistently made timely payments, and any errors in this reporting are both unfair and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX  XXXX, XXXX XXXX, and TransUnion LLC for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, and again on XX/XX/year>, I mailed certified dispute and validation requests to all three parties. Both mailings were confirmed delivered by the U.S. Postal Service. Despite this, XXXX XXXX and its servicer XXXX continued furnishing and verifying inaccurate information with TransUnion and XXXX after the 30-day investigation period expired.

Key Violations & Timeline : XX/XX/XXXX & XX/XX/year> : Certified disputes sent ( Exhibits AB ). 
No mailed validation or investigation results within 30 days. 
XX/XX/XXXX & XXXX XXXX  : XXXX emails stating they would open a dispute with the creditor, and later claiming the creditor mailed validationno documentation ever received. 
XX/XX/year> : XXXX XXXX  updated TransUnion and XXXX  as Charged off Dispute resolved ; reported by grantor. 
XX/XX/year> : TransUnion and XXXX  both continued showing verified charge-off data.

Violations Cited : FCRA 611 ( a ) ( 1 ) ( A ) Failure to complete reinvestigation within 30 days.

FCRA 611 ( a ) ( 5 ) ( A ) Continuing to furnish after investigation period expired.

FCRA 623 ( a ) ( 1 ) ( A ) Knowingly furnishing inaccurate information.

FCRA 623 ( a ) ( 3 ) Failure to report disputed status accurately.

FDCPA 809 ( b ) Failure to provide debt validation upon written request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc.
State: OK

Complaint narrative:
In XX/XX/year>, I ended my lease with XXXX XXXX ( property in XXXX, XXXX ). After move-out, the landlord claimed I owed {$3000.00} for various cleaning and repair charges. I disputed the charges immediately and requested itemized receipts or proof of the costs, but the landlord never provided any documentation or responded to my dispute. Instead, they submitted a claim to XXXX XXXX for {$1600.00} under my XXXX XXXX XXXX. XXXX approved and paid the claim without notifying me or providing an opportunity to review or contest it. The remaining balance was written off by the landlord.

A few months later, XXXX debt collector, Bounce AI, began contacting me to collect the {$1600.00}. I disputed the debt in writing twice, asking for verification and proof of the claimed damages. Bounce AI only provided a generic move-out form from the landlord with estimated costs and no receipts, invoices, or proof of actual work performed. Despite this, they continue to claim the debt is valid. 

I also contacted XXXX directly to request the full claim file, including the landlords submission, supporting documents, and XXXX claim review notes, but have not received any of this information. The charges appear inflated and unsupported, and the debt is being pursued without proper substantiation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: AZ

Complaint narrative:
I currently have a catch up account that I have had for years and all of a sudden they block my account and shut it down so I would like to appeal or open a new or a different account because I use this periodically with deposits and cash withdrawals and deposits they gave me no notification and just closed it so what can I do.. I use ketchup daily consistently and I had disputed a couple fraudulent activities so I don't know how I could be involved with the Frozen activities I just want to hear this and get it open back up or create a new one

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: CA

Complaint narrative:
Complaint Against Mobiloans Misleading Loan Terms and Lack of Disclosure I am filing a complaint against Mobiloans regarding a personal loan I obtained to cover medical expenses. When I accepted the loan, I was led to believe that my monthly payment would be {$180.00} after making my first payment, and I was not provided with a clear or complete repayment schedule or the total cost of the loan. I was under the impression that I would make a one time payment each month. 

After making my first payment, I received notice that my next payment for the same amount was due on XX/XX/year>. Only then did I realize that the interest rate was extremely high and that the payment structure made it nearly impossible to pay down the principal. At no time were the APR, total repayment amount, or true loan terms clearly disclosed prior to acceptance.

I believe Mobiloans actions were misleading and may violate the Truth in Lending Act ( TILA ) and other federal lending transparency requirements.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: NV

Complaint narrative:
All residents were fully moved out of XXXXXXXX XXXX XXXX XXXX, TN on XX/XX/XXXX, XXXX days before the lease end date of XX/XX/XXXX. On XX/XX/XXXX, I received an email from XXXX stating that I owed a final balance. I was not notified when the move-out inspection was conducted ( as required by Tennessee law XXXX, nor was I provided any evidence of damages beyond normal wear and tear or the repair invoices and estimates I requestsonly a general list of charges. I was also never asked to sign or acknowledge the damages report, which is also required by Tennessee law. 

I reviewed the charges and disputed them directly via email with XXXX XXXX XXXX department. They replied on XX/XX/XXXX and again on XX/XX/XXXX, confirming that they received my dispute ; however, evidence/validation was never provided. 

According to XXXX stated policy, tenants have up to 60 days to resolve a balance before it is sent to a third-party collection agency. However, the account was subsequently sold to IQ Data XXXX while my dispute was still pending. Once the debt was sold, I was never contacted by IQ Data XXXX by mail nor by email. I did not receive the legally required Notice of XXXX that would have informed me of my right to dispute. 

The first time I learned that IQ Data XXXX was reporting the debt was through a XXXX XXXX alert on XX/XX/XXXX, several months later. Because I was never notified of the transfer or given the XXXX dispute window required under the Fair Debt Collection Practices Act, I was denied the opportunity to exercise my consumer rights. 

When I later contacted IQ Data XXXX, I was treated unprofessionally by their representative, who attempted to pressure me into taking out a loan and made personal remarks unrelated to the dispute. I have since sent XXXX certified letters requesting validation of the debt, proof of ownership transfer, and all supporting documentation. Both were received ( on XX/XX/XXXX and XX/XX/XXXX ), but I have not received any response to date, neither by mail, nor email. 

I also reached out to XXXX XXXX XXXX for more information and was told that IQ Data would be able to provide details. I was given an email address to contact IQ Data directly in writing ( XXXX ) ; however, I did not receive a reply. When I asked XXXX XXXX XXXX for further clarification, I did not receive a response from them either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit report shows late payment entries that I believe are incorrect. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my credit file must contain only accurate, complete, and verifiable information. I am requesting verification of these late payment entries, and if they can not be confirmed, they should be promptly corrected or deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.|

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: MOHELA
State: MI

Complaint narrative:
XXXX has my name spelt incorrectly, and XXXX requesting any debt tied to a incorrect name is not tied to my social security number.

Company response to consumer: Untimely response