vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am not liable for the alleged debt with XXXX XXXX XXXX. I do not have a contract with Hunter Warfield, and they have failed to provide the original contract or any documentation verifying this debt, despite my request. 
This account appears to have been purchased by a third-party debt collector for less than the amount they are attempting to claim. The information being reported is inaccurate, incomplete, and does not belong to me. 
This erroneous reporting is causing significant harm to my credit profile, and I am requesting that this item be removed immediately. The furnisher and the collector have been uncooperative and have not provided any valid proof that I owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am filing a complaint regarding PayPal and XXXX  repeatedly restricting access to my own funds after purchasing cryptocurrency. Each time I buy crypto and attempt to use or transfer it, the company locks my money for several days under the claim of a security feature. During this delay, I am unable to access my own funds, and if the market drops, I am forced to absorb the loss with no option to act.This happens time and time again. 

This practice feels deceptive and unfair. It effectively allows PayPal and XXXX  to control users money without consent, and the delays cause real financial harm. These policies should not be allowed to continue in their current form. 

I am requesting a review of these procedures and for these companies to be held accountable for withholding consumer funds without clear, reasonable justification. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
XXXX  incorrectly sent an alleged debt of {$180.00} to a third-party debt collector without notifying me prior, even though I paid off my device loan in a XXXX store in XX/XX/year> and requested that my account be closed. I paid off the remaining balance in store at the time, which was for an existing phone loan that i was financing through them. I believe the balance at the time was a little less than {$500.00}. 

A few months later, a debt collector began calling me repeatedlysometimes multiple times a dayat a time, some of their representatives became disrespectful, threatening to send the debt to collections even when i attempted to explain to them. 

Eventually, when the calls became harassing as they would call sometimes before XXXX and past XXXX, I told them that all future communication must be by email or text only, which i received a text from them acknowledging my request but they continued to call, which violates the FDCPA. 

Despite my attempts to dispute the debt with XXXX ( who refused to help me look into the issue if i could not provide my account PIN of an account I no longer use ) and the collector, the account was still reported to collections, harming my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CAPITAL ONE BANK IS THE WORSE/XXXX  INSTITUTION EVER!!!! THEY CLOSED MY ACCOUNT CLAIMING THERE WAS FRAUD AFTER BEING A CUSTOMER FOR XXXX. THEY OPENNED A NEW ACCOUNT AND BLOCKED ME OUT OF MY ACCOUNT. ATTEMPTED TO OPEN A 3RD ACCOUNT AT THE CHURCH AND XXXX BRANCH IN PERSON, THEY NOW SAID " DECLINED '' THE REPS THERE TRIED THEY BEST TO HELP BUT THE XXXX  ON THE OTHER SIDE WERE USELESS. THEY CLOSED MY ACCOUNT SINCE XX/XX/year> STILL HAVE NOT RECEIVED A CHECK FOR MY BALANCE. NO ONE KNOWS WHERE THE CHECK IS. I WILL CONTINUE TO REPORT THEM AND LET EVERYONE KNOW WHAT THEY HAVE DONE TO AN XXXX XXXX XXXX WOMAN. NOW I HAVE NO ACCESS TO MY SSI CHECK, NO WAY TO PAY MY GAS/LIGHT/OR RENT BILL.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my Experian credit report dated XX/XX/year>. The following accounts contain errors, are incomplete, or can not be verified. I request a full reinvestigation under FCRA Section 611. 
Items I dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account charged off ( {$110.00} ) The chargeoff reporting is inaccurate and unverifiable. 
XXXX. XXXX XXXX Charge Card The account shows past-due history that is incorrect and does not match my records. 
XXXX. XXXX XXXX / XXXX XXXX  Collection {$6500.00} I dispute the validity, balance, dates, and ownership of this alleged debt. 
Please conduct your reinvestigation and provide me with updated results in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my Experian credit report dated XX/XX/year>. The following accounts contain errors, are incomplete, or can not be verified. I request a full reinvestigation under FCRA Section 611. 
Items I dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account charged off ( {$110.00} ) The chargeoff reporting is inaccurate and unverifiable. 
XXXX. XXXX XXXX Charge Card The account shows past-due history that is incorrect and does not match my records. 
XXXX. XXXX XXXX / XXXX XXXX  Collection {$6500.00} I dispute the validity, balance, dates, and ownership of this alleged debt. 
Please conduct your reinvestigation and provide me with updated results in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my Experian credit report dated XX/XX/year>. The following accounts contain errors, are incomplete, or can not be verified. I request a full reinvestigation under FCRA Section 611. 
Items I dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account charged off ( {$110.00} ) The chargeoff reporting is inaccurate and unverifiable. 
XXXX. XXXX XXXX Charge Card The account shows past-due history that is incorrect and does not match my records. 
XXXX. XXXX XXXX / XXXX XXXX  Collection {$6500.00} I dispute the validity, balance, dates, and ownership of this alleged debt. 
Please conduct your reinvestigation and provide me with updated results in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: IN

Complaint narrative:
Company : XXXX XXXX XXXX Product : Consumer Lease Issue : Incorrect account classification, misleading sales practices, inaccurate credit reporting Summary of Complaint : XXXX reported my account XXXX Lease No. XXXX ) inaccurately to the credit bureaus and misrepresented the nature of the financing agreement at the time of sale. The merchant presented the transaction as Buy Now Pay Later financing/ a loan, but the email confirmation and XXXX documents reveal it was actually a lease, costing more than twice the items value. 

Issues : XXXX. Misrepresented financing terms I believed I was entering a loan or XXXX financing plan. 
XXXX labeled it a lease after the fact. 

XXXX. Inaccurate credit reporting My credit reports show : Account Type : Installment Account Loan Type : Lease Pay Status : Charge-Off A lease can not be reported as : An installment loan A charge-off This is materially incorrect and harmful. 

XXXX. Contract inaccessible I was only able to view the agreement in the XXXX XXXX. 
Once the account was charged off, the app revoked access. 
I no longer have the ability to review the contract terms. 

XXXX. Failure to provide disclosures I was not provided clear lease disclosures at the time of signing. 
I was not informed it was a lease-to-own product.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, Chime banking whom I have my Social Security deposited, allowed someone XXXX XXXX Ad to transfer and steal {$580.00} of my Social Security out of my account after I told Chime through their automated system, that I DID NOT AUTHORIZE # XXXX TRANSACTIONS from my account with my Social Security payment!! They still allowed even more money to be stolen!!!! I filed an official police investigation, after Chime denied my dispute # 7 times!!! I filed with the Federal Trade Commission against Chime banking whom I trusted with my Social Security payments!!! And I will KEEP filing with different agencies in Florida!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 2025-11-23 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-11-23 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: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
My Robinhood account was permanently closed while it still contained {$270.00} of my money. I have no ability to access the account or withdraw the remaining balance. I have contacted Robinhood support more than XXXX times, and each representative tells me to wait XXXX hours, but it has now been over a week with no action or explanation. I am being given repetitive scripted responses with no resolution. I am requesting immediate release of the {$270.00} owed to me, along with a clear explanation of why the funds have been withheld after account closure. Please assist in compelling Robinhood to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Request for Re-Review and Temporary Investigation Flag Potentially Inaccurate Reporting Related to Chase Auto Lease I am requesting that XXXX  conduct a re-review of a potentially inaccurate 60-day late payment reported on my auto lease serviced by Chase Auto . 

This late payment occurred during the transition of my XXXX XXXX XXXX XXXX lease from XXXX XXXX to Chase Auto. My husband and I are joint lessees on the original XXXX lease agreement, but the Chase Auto account was created solely under my husbands name, which contributed to confusion about payment responsibility and communication. 

We are currently in active communication with Chase Auto, and Chase has acknowledged that they are willing to re-investigate the reporting if supporting documents indicate any process or communication issues during the transition. We have already provided documentation to Chase and are awaiting their internal review. 

Reasons for Requesting Re-Review 1. Account Setup and Communication Issues The lease agreement lists both of us as lessees, but the account was set up under only one name. This resulted in mixed communication and confusion about billing responsibility after the transition to Chase Auto.

2. No Clear Transition Notice from XXXX to Chase Auto XXXX platform continued displaying our XXXX  XXXX XXXX autopay setup even after delivery. We were not clearly notified that billing responsibility had shifted to Chase Auto, causing misunderstanding during the first billing cycle. 

XXXX. Phone Communication Confusion Chase attempted to contact us, but because we were not aware that our lease was now managed by Chase Auto, the calls from unfamiliar numbers were misunderstood as potential fraud.

Once the situation was understood, we contacted Chase Auto immediately and resolved the balance in full. 

Request to XXXX  While Chase Auto is conducting their internal review, I respectfully request that XXXX  : 1. Re-review the accuracy of this delinquency in light of the transition issues described, and 2. Place an investigation flag on this account ( consumer disputes this account or similar ) so that the late mark does not continue to negatively affect my credit score while the investigation is ongoing. 

This request is not a dispute of the lease agreement itself, but a request to verify whether the late payment was accurately reported under these unusual circumstances. 

I appreciate your assistance and am prepared to provide any additional documentation needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: FL

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
They did not send me the information that Ive asked them in regard to the debt and since didnt have tried calling me and texting me all the time about payment options every single day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


CXXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$89.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I requested to be removed as an authorized user from my ex wife 's Lowe 's credit card and was grante, yet still being reported on the bureaus. Synchrony is refusing to remove me and closed the account. The account was also never late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
this is a dispute for said monies owed. had a insurance policy on my home and autos through XXXX XXXX. I canceled insurance on XX/XX/year> and started insurance through XXXX XXXXXXXX XXXX XXXX then issued 4 refund checks for escrow and automobile polices that were overpaid. on XX/XX/XXXX XXXX checks were sent for {$29.00} and {$120.00} XX/XX/XXXX one for XXXX and XX/XX/XXXX for {$1200.00}. on XX/XX/XXXX i received a collection notice from credit collection services stating that that as of XX/XX/XXXX i owed XXXX  XXXX and then another letter saying i owed {$38.00}. I called XXXX  and they said that it was a error and asked that i send them the declaration page from my new insurance just so they could attach it to my account. they stated that the account was in good standings and referred to the refund checks they sent me to see if they have been received. I then contacted credit collection services by phone to make them aware of this. they asked that i send them the copies of checks and declaration and that it would be cleared up .. documents were sent out XX/XX/XXXX. nothing was ever said and i was never contacted again from them but as of XX/XX/XXXX my credit was hit from credit collection services for {$160.00} destroying my credit.. i have since filed disputes through all 3 credit agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
purchased a XXXX  XXXX XXXX from a dealership in Texas and the vehicle has been in and out of the repair shop for several months due to major engine and mechanical failures. The dealership also withheld my full retail installment contract and warranty documents for several months after the purchase. 

Because the vehicle was unusable for extended periods, I was forced to use my car payment funds to pay for repairs so I could continue using the vehicle for transportation. 

The finance company is now threatening repossession and demanding {$1000.00} by XX/XX/XXXX, despite the fact that there are active disputes and consumer complaints filed with Texas XXXX, Texas XXXX, Texas Attorney General, and XXXX. 

I am requesting that the lender place a hold on repossession and offer a hardship payment deferral while the legal and consumer disputes involving the dealership are being resolved.

Company response to consumer: Closed with non-monetary relief