vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ACIMA CREDIT, LLC
State: TN

Complaint narrative:
So last week XX/XX/XXXX I got a phone call from an unknown number stating I had a court summons in processing, I then called my local court house and they had no knowledge of such. So I ignored it thinking it was a scam, then today XX/XX/XXXX I get a call from the same unknown number asking if I ever reached out to the number provided. Which is, ( XXXX ) XXXX which I said I have not due to it sounded like a scam. Hung up my phone, then got a call from 3 other family members of this same number calling trying to locate me for a court summons. So I decided to call the number they provided ( ( XXXX ) XXXX ). They proceeded to tell me that it was a court order for a loan on a mattress and box spring through acima totaling in {$1400.00}, and that I could settle out of court for a one time payment of that amount. If I was to go to court it would be up to {$2000.00} and red flag my credit report any time it was brought up. I do recognize this and it is from XXXX. I also have no received any written statements saying I owed anytime. So out of fear I gave my credit card number and paid the amount due then afterwards I was reading online that this was most likely a sort of scam. And to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: MN

Complaint narrative:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

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 2025-12-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
AESs XX/XX/year> XXXX Activity Summary is not a valid response to my dispute because AES expressly states it can only provide transactions from periods while your loans were serviced by us, which fails to validate the debt, fails to establish the basis for contested balance changes, and fails to provide the foundational documents required to substantiate the claimed amount owed ( promissory note ( s ), disbursement records, chain of title, and a complete payment application and interest calculation ledger ). The document is an internal summary that shows principal inflation above the original disbursement amount and includes interest-capitalization entries that materially increase the balance without producing the contractual authority, triggering event, or calculation method for those capitalizations. Until AES produces complete source documentation and an auditable accounting, AES can not substantiate the accuracy, enforceability, or lawful reporting of the alleged balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to dispute multiple inaccurate entries that are affecting my credit report. Below are the accounts in dispute, separated by bureau : CHARGED OFF : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX  C Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00}

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 2025-12-15 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: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/year>, I was charged {$990.00} by XXXX XXXX XXXX for services that were represented as beginning on XX/XX/year>. The merchant failed to deliver any services by that date or at any time thereafter. 

After repeated delays and lack of performance, I canceled the services on XX/XX/year>, before any services were rendered. No services were provided before or after the cancellation date, and the merchant did not issue a refund. 

I filed a dispute with my card issuer for non-delivery of services. I provided documentation showing the charge, the lack of service delivery, and my cancellation. The issuer initially issued a conditional credit, but later reversed it. 

The issuer denied the dispute solely on the basis that the merchants internal cancellation procedure was allegedly not followed, despite the fact that no services were ever delivered and the merchant retained the full payment. The issuer did not address the core issue of non-delivery or merchant misrepresentation. 

I responded within all required timeframes and cooperated fully with the dispute process. Despite this, the issuer refused to escalate or reconsider the dispute and closed the case. 

I am requesting regulatory review of the issuers handling of this dispute, specifically the failure to apply cardholder protections for services not rendered and the reliance on a technical cancellation requirement to deny a valid non-delivery claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: SC

Complaint narrative:
My name is XXXX XXXX, and I am a XXXX graduate of the University of Alabama ( XXXX XXXX 2023 ). I applied for private student loans and was approved for over $ XXXX. My current balance is {$100000.00}. 

At the time, I did not fully understand the terms of these loans and now feel trapped in a situation that is extremely difficult to manage. As a young adult, I was not aware of the financial consequences of borrowing such a large amount. I am concerned that I may have been targeted for predatory lending, as the lender approved this substantial loan without verifying my income, creditworthiness, or ability to repay. They accepted my application with minimal scrutiny.

I am currently earning less than {$25000.00} per year, and the loan balance is overwhelming. The required monthly payments of over {$900.00} make it nearly impossible to manage living expenses, and the situation is negatively impacting my credit score and overall financial stability. While I can pause payments temporarily, the long-term burden is unsustainable.

I respectfully request that my case be reviewed for potential predatory lending practices, specifically regarding loans issued to young adults with limited income and financial literacy. I am seeking support, guidance, and any options that may help mitigate the impact of this loan on my life and financial future.

Thank you for your time and consideration. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Chase bank allowed the hackers to do 8 wire transfers XX/XX/year>. There were files on my accounts which made look like it was me. The amount taken was {$42000.00} dollars which was my retirement. I then took my computer and cell phone into XXXX XXXX and have the geek squad go through the systems. They found suspicious files on computer and my cell phone had any desk app which allowed the hackers total access whenever I used my phone. Brought to Chase bank in XXXX XXXX XXXX XXXX XXXX XXXX and they emailed information to fraud/claims department and haven't heard a word. I don't even know how to make a file or do wire transfer. Been with bank for 18 tears just moved from Utah to Oklahoma. Please help get my money back. No idea how app appeared on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I paid {$71.00} for a XXXX food order using XXXX. The transaction was funded by both Venmo Credit ( issued by Synchrony Bank ) and a debit from my bank account.

The food order was never delivered. XXXX has provided no proof of delivery, no delivery photo, no confirmation of delivery, and no evidence that the order was completed. XXXX has stated that they attempted to contact me through the app, but attempted contact does not constitute delivery. 

I made multiple good-faith attempts to resolve this directly with XXXX, including follow-up emails and phone calls. XXXX refused to issue a refund or credit and stated that the denial was based on my refund history, not on any proof of delivery. 

I contacted Venmo to dispute this charge as services not rendered. Venmo opened dispute ID VM-R-XXXX and advised that an account specialist would follow up, but the charge remains unresolved.

I am requesting that this transaction be reversed, as payment was retained for services that were not rendered and no proof of delivery has been provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I was gifted a {$50.00} american express gift card, and when I tried to activate by making a purchase it continuously was declined. I went to the website on multiple browsers and devices to activate/ check the balance, and would only get a " there was a system error '' message. I then tried calling American Express customer service, who told me there was nothing they could do even though it was clearly an issue on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: GA

Complaint narrative:
We ( husband and i ) are filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX for fraudulent credit reporting and deceptive sales practices. 

XXXX accounts, XXXX XXXX XXXX XXXX XXXXXXXX, were added to our credit reports under the category XXXX XXXX XXXX / XXXX Mortgage. This is false and deceptive because no mortgage, deed, or real estate ownership was ever created, signed, or presented to us. 

We were misled during the sales process, told we could rent out the timeshare, and were later double-billed for multiple tiers of membership. Additionally, a second account was opened without our authorization. We also requested to cancel within recission timeframe and our request was ignored. 

XXXX is violating : FCRA 602, 605B, 609, 611, 623 FDCPA regulations Deceptive trade and misrepresentation laws We request the CFPB compel XXXX to : Remove both accounts from all consumer reporting agencies. 

Provide copies of all contractual documents. 

Cease deceptive reporting as mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: GA

Complaint narrative:
We ( husband and i ) are filing a complaint against XXXX XXXX XXXX XXXX XXXX Consumer Finance for fraudulent credit reporting and deceptive sales practices. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, were added to our credit reports under the category XXXX XXXX XXXX / XXXX Mortgage. This is false and deceptive because no mortgage, deed, or real estate ownership was ever created, signed, or presented to us. 

We were misled during the sales process, told we could rent out the timeshare, and were later double-billed for multiple tiers of membership. Additionally, a second account was opened without our authorization. We also requested to cancel within recission timeframe and our request was ignored. 

XXXX is violating : FCRA 602, 605B, 609, 611, 623 FDCPA regulations Deceptive trade and misrepresentation laws We request the CFPB compel XXXX to : Remove both accounts from all consumer reporting agencies. 

Provide copies of all contractual documents. 

Cease deceptive reporting as mortgages.

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 2025-12-15 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: GA

Complaint narrative:
We ( husband and i ) are filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX for fraudulent credit reporting and deceptive sales practices. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, were added to our credit reports under the category Time Shared Loan / Installment Mortgage. This is false and deceptive because no mortgage, deed, or real estate ownership was ever created, signed, or presented to us.

We were misled during the sales process, told we could rent out the timeshare, and were later double-billed for multiple tiers of membership. Additionally, a second account was opened without our authorization. We also requested to cancel within recission timeframe and our request was ignored. 

XXXX is violating : FCRA 602, 605B, 609, 611, 623 FDCPA regulations Deceptive trade and misrepresentation laws We request the CFPB compel XXXX to : Remove both accounts from all consumer reporting agencies. 

Provide copies of all contractual documents. 

Cease deceptive reporting as mortgages.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: CA

Complaint narrative:
I am writing to dispute several accounts on my credit report that I believe are inaccurately reported. Below are the accounts in dispute, separated by credit bureau : Charged Off 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 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 explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: UT

Complaint narrative:
Unlike XXXX, RoundPoint has had a very hard time getting monthly bills to me in XXXX. I live at the same address for the last 8 years, with the same mailing address. XXXX times this year ( XXXX ), they seem unable to mail me fresh bills each month, but when I ask them to send me duplicate bills, they have no problem in mailing them to me ( and being received ). Their support staff is ridiculous ; you have to wait hours ( sometimes ) to get a person to answer the phone ; you tell that person your problems of not getting statements ; ask for what is currently owe and what address to send the payment to. 

Last month, I got tired of waiting forever for a person to respond to me instead of their computer. I never did get a statement for the XX/XX/XXXX bill. So instead, I got the most recent duplicate bill I had ( dated for XX/XX/XXXX alter the due date and sent the payment with the pay stub and a written explanation why Im doing what Im doing. The XX/XX/XXXX payment was the standard {$300.00} charge. So, I sent the payment stub and payment check to them on XX/XX/XXXX ; hoping they would take time to read why I modified the dates on the XX/XX/XXXX payment stub. They ignored my explanation ; as they had all my oral requests before ( via the phone ). 

THEY LIED. When I called them on XX/XX/XXXX, I asked them why they hadnt sent me a billing for XX/XX/XXXX. The customer representative lied ; her XXXX was very poor and very hard to understand. She claimed that they had received my {$300.00} payment, but was going to do nothing with it. Charges had increased to {$320.00} and they had no intention of warning me of the {$14.00} balance or to send me any future statements ( including the XX/XX/XXXX statement and beyond ). SHE LIED, ROUNDPOINT CASHED THE {$300.00} PAYMENT ON XX/XX/XXXX AND HAD NO DESIRE TO WARN ME THAT THEY WERE PUTTING MY ACCOUNT IN LIMBO. SHE AGAIN LIED AND STATED SHE WOULD EMAIL ME A SUPPLEMENTAL BILL FOR THE {$14.00} BALANCE ; INSTEAD, ON XX/XX/XXXX, SHE SENT ME A BILL STATING I OWED THEM THE FULL {$320.00} for XX/XX/XXXX ; IT NEVER INCLUDED THE {$300.00} PAYMENT THEY CASHED FOR THIS MONTHS PAYMENT. 

This is outright theft, trying to get XXXX reimbursements for a single charge. XXXX XXXX XXXXXX/XX/XXXX ), I sent them a check for the {$14.00} balance, but I believe they lack the intelligence to simply add it to my previous {$300.00} payment that is due in XX/XX/XXXX. 

These people can not do the simplest of things, create their own problems and expect the customer to do all the work for them ( like they are doing you a favor ; you work for them and not vise-versa ).

Company response to consumer: Closed with explanation