vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: IA

Complaint narrative:
I tried to make a payment to my Concora Destiny credit card with my debit card, on the due date my bill was due XX/XX/year>, The system said this card was not an acceptable form of payment. I had to go the next day to take the money of and put it on another debit card and and then my payment was late and they charged me a late fee and over the limit fees, and the payment I made when it applied was non effective and now my card is over the limit and I can even use my card. I had a bill due to charge and it was denied due to being over the limit and I had to pay that bill late. I call the company and ask why my debit card was not acceptable, the rep stated prepaid debit cards are not acceptable. I explained that can't be true because I use another prepaid debit card the next day and you accepted that one. I asked can you send me the information on what types of debit cards are acceptable. I never received it. I asked since they would not accept my payment I was attempting to make on the due date can they waive the fee she said she would request it by she can't make that decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: PA

Complaint narrative:
Transaction Date : XXXX. 
Dispute # XXXX I am filing a complaint against Chime Financial regarding an unauthorized transaction on my Chime credit card. I did not authorize this transaction and only discovered it after the charge appeared on my account.

I immediately reported the unauthorized charge to Chime, locked my card, and submitted all requested evidence including screenshots, transaction details, and communication records. Despite providing this information, Chime has delayed resolving my claim. 

I am requesting that Chime properly investigate this unauthorized transaction and issue a full refund in accordance with consumer protection regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Between XX/XX/year>, my bank authorized multiple debit card transactions while the accounts available balance was displayed as positive in the mobile banking application. On XX/XX/year>, the mobile app showed an available balance of approximately {$43.00}, and transactions were not declined or blocked. 

A debit card transfer involving {$100.00}, which had been authorized earlier, later posted after additional debit activity had already been approved. Following the posting of this transaction, the bank assessed multiple {$36.00} overdraft fees, even though the transactions had been authorized using the available balance shown at the time. 

When I contacted the bank for clarification, I was told that overdraft determinations are based on the available balance, not the current balance. This conflicted with the fact that the transactions had already been authorized and completed based on the available balance displayed in the mobile application. 

After my inquiry, the bank refunded XXXX overdraft fees totaling {$72.00}, describing it as a one-time courtesy. No explanation was provided as to why only some overdraft fees were refunded while others were retained, and my questions regarding authorization timing and posting order were not fully addressed. 

I am requesting review of whether the overdraft fees resulted from transaction posting order and balance calculation practices rather than insufficient funds at the time of authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This debt is considered a Charge-off however this is actually considered income because I should have received a 1099 C in order to account for this as income. This not a Charge-off I'm requesting that this is removed because it is not debt this considered income and income should not be reporting on your credit report. 


Company : XXXX  XXXX Date opened : XXXX XXXX Open/Close : Closed Status : Account Charged off Balance : XXXX Balance updated : XX/XX/year> Last Payment Updated : XX/XX/year> 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 2025-12-14 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: NY

Complaint narrative:
This account is inaccurate and unverifiable. XXXX XXXX XXXX is a debt buyer reporting this account, but the original creditor is XXXX XXXX. The account is currently reported as an Open Account, which is misleading. I am requesting that Equifax fully delete this account from my credit report under FCRA 609 and 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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: OR

Complaint narrative:
I am filing a complaint regarding Capital Ones handling of a credit card dispute involving XXXX XXXX XXXX XXXX. 

All disputed charges arise from the same contract and the same factual basis : I was not granted access to the purchased product until XX/XX/year>, well after the contractual rescission period had expired, as confirmed by the merchants timestamped Welcome/ Access email. 

After reviewing this evidence, Capital One resolved three related installment disputes in my favor on XX/XX/year>. Those installment disputes include Case IDs : XXXX, XXXX, and XXXX, each in the amount of {$620.00}. 

However, Capital One later closed the down payment dispute in the amount of {$4900.00} against me on XX/XX/year>, citing a valid merchant response. The down payment dispute at issue is Case ID : XXXX. 

If the merchant possessed evidence sufficient to defeat the dispute, that evidence would necessarily apply equally to all four disputes arising from the same contract. As of the date of this complaint, more than two weeks after the three installment disputes were resolved in my favor, no such evidence has been used to reverse or even challenge those determinations.

Capital One has not provided electronic access to the merchant response relied upon, preventing me from meaningfully reviewing or rebutting it. During this period, my ability to view dispute status through Capital Ones mobile application and online account portal was also intermittently unavailable, further limiting transparency. This lack of access appears inconsistent with the disclosure and transparency requirements of Regulation Z 1026.13 ( e ).

I formally submitted a request to reopen the down payment dispute on XX/XX/year>, attaching the same evidence that Capital One previously accepted when resolving the installment disputes in my favor, including the contracts rescission provisions under Florida Statute 721.07 ( 6 ).

I am requesting that Capital One conduct a fair and consistent review of all related disputes and provide full transparency regarding the evidence relied upon in reaching its decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am disputing an inaccurately reported collection account from National Credit Systems, account number XXXX, that has been improperly appearing on my credit report since XXXX. 

This account does not represent a valid debt. In XXXX, I completed paperwork only to be placed on a waiting list for an apartment complex. I never signed a lease, never took possession of an apartment, never paid a deposit, never received keys, and was never notified that a unit was available or assigned to me. 

Shortly after submitting the waiting list application, I had to leave the country for several months due to a serious family emergency involving my mothers illness in XXXX. As a result, I never pursued housing with this property and never entered into any contractual or financial obligation. 

This account was formally disputed in XXXX and was completely removed from my credit report, confirming that National Credit Systems was unable to validate the alleged debt. However, within the last couple of years, this same account has reappeared on my credit report. 

All subsequent disputes have been denied, despite the prior deletion and the creditors inability to substantiate the debt. This appears to be an improper reinsertion and continued reporting of an invalid account, in violation of the Fair Credit Reporting Act ( FCRA ), including failure to conduct a reasonable investigation and reporting inaccurate information. 

The continued presence of this erroneous account has caused ongoing financial harm and negatively impacted my credit profile for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am disputing a collection account being reported by Credence Resource Management. This debt has not been properly validated, and Credence has failed to provide documentation proving I owe the amount reported.

The account is being reported without a complete itemization, proof of contractual obligation, or evidence that Credence Resource Management has authority to collect on behalf of XXXX XXXX. 

This constitutes inaccurate reporting under FCRA 15 U.S.C. 1681 and failure to validate under FDCPA 15 U.S.C. 1692g. Additionally, the reporting is causing ongoing harm to my creditworthiness.

I am requesting immediate deletion of this account from all credit reporting agencies or full validation with supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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: Diversified Adjustment Service, Inc.
State: CT

Complaint narrative:
I am disputing an alleged debt being collected and/or reported by Diversified Adjustment. I formally requested debt validation under the FDCPA ( 15 U.S.C. 1692g ), yet the company continues collection and/or credit reporting without providing proof of ownership, a signed original contract, or proper itemization. I believe this constitutes violations of the FDCPA and FCRA for attempting to collect and report an unverified debt. I request an investigation and enforcement action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank closed my XXXX 's account that had a $ XXXX credit limit and XXXX balance on XX/XX/XXXX. I was not given any warning. I called and have been getting the run around ever since. My XXXX 's card was taken over by Synchrony Bank in XX/XX/XXXX. On XX/XX/XXXX, XXXX they initially lowered my credit limit from {$9000.00} to {$1500.00}, I immediately had it increased to $ XXXX. IT HAD A XXXX BALANCE AND WAS IN GOOD STANDING!!! This wrecked massive damage on my credit score because this was a long-term account and 100 % available amount. Synchrony Bank then lowered the credit limit of my XXXX XXXX card from {$8800.00} to {$4400.00} on XX/XX/XXXX, This caused another massive hit and once again lowered my credit score has my utilization score went from 51 % to 99 %! I have had this card since XXXX. Then on they closed my XXXX XXXX account on XX/XX/XXXX This has caused another massive hit on my utilization score and longevity WHICH THEY HAVE CAUSED!!!!!! 
Synchrony Bank closed my XXXX XXXX XXXX on XX/XX/XXXX that has a {$4000.00} credit limit and a {$600.00} balance. I use this account to pay for any and all car repairs! 
This lowered my credit score again! Again, my credit score took a massive hit as this was also a long-term account. They never contacted me to ask about it, all off these accounts were taken over by Synchrony Bank : I can't even pay these companies directly!!!!! THIS HAS TO STOP!!! I am scared that without warning, they will close my Care Credit which I use for medical and dental care. THEY CAUSED MY CREDIT SCORES TO DECREASE BY CLOSING THES XXXX ACCOUNTS and XXXX excuse given was because I don't have a mortgage. Did they bother to ask why I don't have a mortgage? NO!!!!! It is because I live with my fiance who has the house under a VA 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 explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
EQUIFAX FRAUDULENT INQUIRY REMOVAL DEMAND ( CFPB-READY ) NOTICE OF FRAUD & UNAUTHORIZED CREDIT ACCESS I am disputing the following fraudulent inquiries resulting from identity theft. No permissible purpose existed for these credit pulls. 

FRAUDULENT INQUIRIES ( EQUIFAX ) XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681b Unauthorized access 15 U.S.C. 1681c-2 Mandatory fraud blocking 15 U.S.C. 1681i Investigation and deletion requirements FORMAL DEMAND Delete these inquiries immediately or provide documented proof of authorization. Automated or conclusory responses are legally insufficient. CFPB ESCALATION Failure to comply will result in : CFPB
enforcement complaint State AG complaint Civil action for statutory and actual damages Signature : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
EQUIFAX FRAUDULENT INQUIRY REMOVAL DEMAND ( CFPB-READY ) NOTICE OF FRAUD & UNAUTHORIZED CREDIT ACCESS I am disputing the following fraudulent inquiries resulting from identity theft. No permissible purpose existed for these credit pulls. 

FRAUDULENT INQUIRIES ( EQUIFAX ) XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681b Unauthorized access 15 U.S.C. 1681c-2 Mandatory fraud blocking 15 U.S.C. 1681i Investigation and deletion requirements FORMAL DEMAND Delete these inquiries immediately or provide documented proof of authorization. Automated or conclusory responses are legally insufficient. CFPB ESCALATION Failure to comply will result in : CFPB
enforcement complaint State AG complaint Civil action for statutory and actual damages Signature : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CB1, Inc.
State: MT

Complaint narrative:
I have been trying to contact CB1 collections multiple times by phone to set up a payment plan for my debt so I could stop being levied because I do not make enough money to be levied. I called on several dates, including XX/XX/XXXX where I called twice and left one voicemail, Again on XX/XX/XXXX I believe I left a voicemail here as well, again on XX/XX/XXXX, they called me back this day and talked about seeing if they can do payment plans but needed to talk to their supervisor and said they would get back to me the same day or the next day and I haven't heard from them since. I gave them a full two weeks or so to call me back and they didn't so I called again on XX/XX/XXXX, then twice on XX/XX/XXXX at different times, I had a No caller Id call me I am unsure if this was them but no voicemail was left so I don't know, next was XX/XX/XXXX I called 3 times at 3 different times of day and gave them more than enough time to get back to me it is now XX/XX/XXXX and they have already tried levying another account and I haven't heard back at all. Despite my efforts to resolve this voluntarily, CB1 collections has already attempted to levy two of my bank accounts. I have phone records showing my call attempts. I am trying to work in good faith to set up a payment plan and avoid further levies, but the company has not provided any way for me to make payments or communicate with them. Also the levying is through XXXX XXXX but I have already been informed by them in order to stop the levying I have to set up a payment plan with CB1

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am submitting this complaint against Midland Credit Management , Inc. regarding two collection accounts they are reporting on my XXXX XXXX XXXX credit reports. I dispute the accuracy, ownership, and legal enforceability of both accounts. Midland Credit Management has failed to provide competent evidence that they own these alleged debts or that I owe them any obligation.

Legal Basis of Complaint This complaint is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692e, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ). Under these statutes, a debt collector must cease collection and reporting activities until a disputed debt is properly validated, and may not furnish unverifiable or misleading information to consumer reporting agencies.

Validation Requested ( Not Provided ) I requested that Midland Credit Management provide the following documentation for each collection account, and they have failed to do so : The original purchase agreement or bill of sale identifying my specific accounts A complete chain of custody showing every transfer of ownership Proof that Midland Credit Management owns the legal right to collect the alleged debts Proof that I owe Midland Credit Management, including a signed contract or agreement A complete payment history from the original creditor through charge-off Harm Caused As a result of Midland Credit Managements failure to validate these accounts, inaccurate and unverified collection information continues to be reported on my credit reports. This has caused financial harm, credit score damage, and emotional distress, and has negatively impacted my ability to obtain credit and fair terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
am submitting this complaint regarding Wells Fargos handling of a fraud dispute and subsequent actions that caused continued and preventable financial harm.

I reported unauthorized transactions on my account and a fraud investigation was opened. During the investigation, Wells Fargo issued a provisional credit of {$650.00}. Wells Fargo later closed the fraud case and determined the activity was customer fault. Upon closing the case, Wells Fargo removed the provisional credit, which immediately caused my account balance to become negative.

After closing the fraud case and reversing the provisional credit, Wells Fargo continued to allow additional transactions to post to my account, including a {$42.00} charge that I can not locate or verify in my XXXX purchase history. Given the recent fraud dispute, reversal of credit, and negative balance, this transaction should have been flagged or blocked. 

At the time this charge was allowed : Wells Fargo had recently closed a fraud investigation on the account The account balance had become negative due to Wells Fargos removal of provisional credit The account had a documented history of disputed and potentially unauthorized transactions Allowing additional charges to post under these circumstances demonstrates a failure of reasonable fraud safeguards and account controls, resulting in further overdraft and financial harm.

As a result of Wells Fargos actions, I experienced : Increased negative balance Continued exposure to potentially unauthorized transactions Financial instability caused by Wells Fargos reversal of provisional credit and failure to restrict the account

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 2025-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: WA

Complaint narrative:
Multiple Daily phone calls and spoofing last calls on XXXX saying they are XXXX XXXX XXXX XXXX, asking for personal information. I Reported the calls to XXXX my student loan borrower. They claim the have no idea how my number was shared.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
am filing a complaint against LVNV Funding LLC for reporting a collection account that has not been properly validated. 

LVNV Funding has failed to provide proof of assignment from XXXX XXXX, a signed agreement, or documentation verifying the balance owed. The account is therefore inaccurate and unverifiable. 

Reporting unverified information violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the FDCPA ( 15 U.S.C. 1692g ). 

I am requesting deletion of this account from my credit report or immediate validation with supporting documentation.

Company response to consumer: Closed with explanation