vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXXXX/XX/XXXXXXXX Jefferson Capital Systems , LLC XXXX. XXXX XXXXXX/XX/XXXX RE : Formal Request for Debt Validation Under 15 U.S.C. 1692g ( b ) To Whom It May Concern, I am writing in response to a collection notice received regarding an alleged debt that you claim I owe. I do not acknowledge this debt and am exercising my right under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) * *, to request * * full validation and verification * * of the alleged debt. 

Please provide all of the following information and documentation : 1. * * The name and address of the original creditor * *, and the original account number.

2. * * A full itemized bre
akdown * * of the debt, including : - Principal - Interest - Fees - Payments or credits applied 3. A * * copy of the original signed contract or agreement * * that created the debt.

4. A * * complete copy of the assignment or purchase agreement * * ( assignment contract ) that shows Jefferson Capital Systems has the legal right to collect this debt, including the * * chain of custody * * from the original creditor to your company. 
5. The * * date Jefferson Capital acquired the debt * *, and from whom. 
6. * * Proof that the statute of limitations * * on this debt has not expired.

7. Proof of your * * authorization to collect debts in my state * * ( license or registration if required by law ). 
8. Any * * verification provided to credit bureaus * * ( if youve reported this account ), and a statement of your intent regarding continued reporting. 

Until you provide the above information, you must * * cease all collection activities * *, including calls, letters, and any credit reporting, as required by federal law. 

Please note : This is not a refusal to pay, but a request for validation under the FDCPA. Be advised that I am keeping records of all correspondence regarding this matter and will not hesitate to report violations to the * * Consumer Financial Protection Bureau ( CFPB ) * *, the * * Federal Trade Commission ( FTC ) * *, and my * * State Attorney Generals office * *. 

I request that all future communication be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: MS

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-10-13 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:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I made a single qualifying purchase from XXXX totaling {$5800.00} to earn a 10 % cash-back Chase Offer ( maximum {$250.00} ). 
As part of the merchants fraud-prevention process, XXXX first processed a {$2.00} authorization that fully settled, followed immediately by the {$5800.00} final charge for the same verified order. 

Chases system applied the 10 % reward to the {$2.00} settled authorization instead of the full qualifying purchase, producing only {$0.00} in cash-back rather than the {$250.00} clearly advertised. 

I contacted Chase multiple times between XX/XX/XXXX XX/XX/year> and provided written confirmation from XXXX that the {$2.00} and {$5800.00} charges were one verified order, not split purchases. Chase repeatedly cited generic language stating a merchant may split your purchase into multiple transactions, even though the offer termsEarn 10 % cash back on your XXXX purchase It is possible that the merchant may split your purchase into multiple transactions. Offer redemption awarded as statement credit on the first qualifying transaction amount.apply only to true multi-part purchases, not a fraud-check authorization. 

By using the smaller settled authorization as the first qualifying transaction, Chase avoided honoring the advertised 10 % reward, misrepresenting the value of the promotion and misleading consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am filing this complaint against Capital One regarding their improper denial of my fraud claim ( Claim # XXXX ). 

The disputed charges are : {$230.00} at XXXX XXXX, merchant location in XXXX, OH {$160.00} at XXXX XXXX, merchant location in XXXX, NC I did not authorize these transactions, nor have I ever done business with these merchants. I was not in either location at the time of the charges and have no knowledge of who conducted them. 

Despite this, Capital One denied my fraud claim, holding me responsible for charges I did not make. This denial is inconsistent with my rights under th

e Fair Credit Billing Act ( FCBA ), which protects consumers from liability for unauthorized transactions. I request that the CFPB require Capital One to re-investigate this claim in good faith,
reverse the fraudulent charges, and ensure compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: MI

Complaint narrative:
XX/XX/XXXXOnXX/XX/XXXX I have transferred my salary XX/XX/2950 us from my account in USA to receive it in XX/XX/XXXX specificallyXX/XX/XXXXas they are the only one affiliated with Western Union however XX/XX/XXXX assured me they can process up toXX/XX/CAD with my card to the bank account not cash but it has to be in smaller amounts, they transferred first XX/XX/1000AND NEXTXX/XX/XX/XX/XXXXand the rest I could not get as it kept saying XX/XX/XXXX declined , after several tries they said we cant process it and the canceled the transaction and then the XX/XX/XXXX agent called Western Union and opened a case and gave me the case number and I received an email from Western Union that I have picked up the money which I didnt due to transaction being cancelled and XX/XX/XXXXagent said that its okay they know you didnt receive the money and you should call them and follow up with them to refund the money and Im following up with them since then and no answer has been giving to me as why they wouldnt refund my money and they wont refund my money back to the original account. Agents were lying to me saying you will get the refund within 3 business days and after 3 business days I call them back and they say we are going to call you within 30 minutes and never get a call bacXX/XX/XXXXI have escalated to supervisor and in turn I received a message from by email from executive resolution department saying we are looking in your case within 48 hours and upon checking my app they have revoked my access to access the app and a message saying directing to XX/XX/XXXXaccount which is complete different Western Union account and I called them and they said we can deactivate your old account and create a new one which they did and I lost all transfers history and now left with no money and account clearedXX/XX/XXXXThe escalation executive CaseXX/XX/XXXXt has been two weeks and I cant get anywhere with Western Union and Im concerned now.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Chime Financial Inc
State: AR

Complaint narrative:
Credit Report Dispute Request for Investigation ChimeXXXXXXXX XXXX XXXX : Date opened XX/XX/XXXX, {$0.00}, account still reporting to my credit and it is not my account. 
XXXX. XXXX XXXX XXXX Account Type : Debt Buyer / Collection Account Number ( partial ) : XXXX Balance : {$140.00} Status : Collection Account Past Due as of XX/XX/XXXX Original Creditor : XXXX XXXX Dispute Reason : This is not my account. 
I never opened or authorized any account with XXXX XXXX or XXXX XXXX XXXX. Please investigate and remove this account from my credit report as it appears to be the result of mistaken identity or fraud. 
XXXX. XXXX XXXX XXXX Account Type : Charge Card Account Number ( partial ) : XXXX Balance : {$40.00} ( Charged Off ) Status : Account Charged Off as of XX/XX/XXXX Dispute Reason : This account does not belong to me. 
I have never applied for or used any XXXX XXXX account. Please remove this item from my credit report as it was reported in error or may be fraudulent. 
XXXX. Personal Information Incorrect Addresses Dispute Reason : These addresses are inaccurate I never lived at these locations. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX These addresses are not associated with me or my verified residence history. Please delete them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 
Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-10-13 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: NJ

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-14 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXXXX/XX/XXXXResurgent/LVNV funding LLCXX/XX/XXXX RE : Formal Request for Debt Validation Under 15 U.S.C. 1692g ( b ) To Whom It May Concern, I am writing in response to a collection notice received regarding an alleged debt that you claim I owe. I do not acknowledge this debt and am exercising my right under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) * *, to request * * full validation and verification * * of the alleged debt. 

Please provide all of the following information and documentation : 1. * * The name and address of the original creditor * *, and the original account number.

2. * * A full itemized breakdown * * of the debt, including : - Principal - Interest - Fees - Payments or credits applied 3. A * * copy of the original signed contract or agreement * * that created the debt.

4. A * * complete copy of the assignment or purch
ase agreement * * ( assignment contract ) that shows Resurgent/LVNV funding LLC has the legal right to collect this debt, including the * * chain of custody * * from
the original creditor to your company.

5. The * * date Resurgent/LVNV funding LLC acquired the debt * *, and from whom.

6. * * Proof that the statute of limitations * * on this debt has not expired.

7. Proof of your * * authorization to collect debts i
n my state * * ( license or registration if required by law ).

8. Any * * verification provided to credit bureaus * * ( if youve reported this account ), and a statement of your intent regarding continued reporting. 

Until you provide the above information, you must * * cease all collection activities * *, including calls, letters, and any credit reporting, as required by federal law. 

Please note : This is not a refusal to pay, but a request for validation under the FDCPA. Be advised that I am keeping records of all correspondence regarding this matter and will not hesitate to report violations to the * * Consumer Financial Protection Bureau ( CFPB ) * *, the * * Federal Trade Commission ( FTC ) * *, and my * * State Attorney Generals office * *. 

I request that all future communication be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
I have noticed late payment entries on my credit report that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my report must only include accurate, complete, and verifiable information. I am requesting that these late payment entries be thoroughly verified, and if they can not be confirmed, I ask that they be corrected or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Account XXXX VIN : XXXX As of XX/XX/XXXX, when my car payment was due, Santander Bank listed my full payoff amount as {$1700.00} good through XX/XX/XXXX, which I paid in full XXXX XXXX. The funds have cleared, yet I have not received my vehicle title. In addition, before making this payment, Santander kept changing the payoff amount daily, making it very confusing and frustrating to finalize payment. I believe this is unfair and deceptive. I no longer trust this bank because it seems they intentionally make the payoff process difficult and delay releasing titles even after full payment. I am requesting that the CFPB ensure Santander releases my title immediately and investigate their payoff and title release practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-14 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Multiple requests for decision reasoning and documentation from merchant, were ignored and continue to be handled and sent. 

Multiple submitted documents per the cc required methods vanished with no explanation. 

Standard federal laws regarding airline refunds were ignored simply following airline no refund policy, regardless of federal law when a significant change was made by airline. 

Submitted documents provide to Apple and ignored because back office never received them and no one knows where they went despite several submissions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ava Finance, Inc
State: GA

Complaint narrative:
Debt Validation Complaint CFPB Submission Complainant Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of Birth : XX/XX/year> Last XXXX of XXXX : XXXX File Number ( XXXX  ) : XXXX Subject : Failure to Provide Debt Validation AVA Finance , Inc XXXX Reporting an Unverified Charge-Off Account Details of Complaint : AVA Finance , Inc. is reporting an alleged debt on my XXXX  credit report without providing proper validation or documentation proving that the debt is legitimate or that I am responsible for it. Account Details : - Creditor Name : AVA Finance , Inc.- Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX Phone : ( XXXX ) XXXX Account Number ( Partial ) : XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened : XXXX Reported Balance : $ XXXX Status : Charge-off / Unpaid Balance Charged Off- Date Closed : XXXX Estimated Removal Date : XXXX  Issue Summary : I have never received any communication, billing statement, or signed agreement from AVA Finance , Inc. I have no record of ever opening an account with this company, and the information they are reporting is inaccurate, unverifiable, and damaging to my credit profile. Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ), I have the right to request full validation of any debt that a company claims I owe. AVA Finance , Inc. has not provided any validation or documentation verifying this debt, yet they continue to report it as a charge-off to XXXX. Requested Resolution : 1. Provide complete documentation validating this alleged debt. 2. Cease all credit reporting and collection activity unless the debt can be fully verified. 3. Direct XXXX  to remove or delete this account from my credit report if validation can not be produced. 4. Provide written confirmation of the outcome of this investigation. Attached Supporting Documents : - Copy of XXXX  credit report showing the AVA Finance , Inc. entry- Copy of ID ( drivers license ) - Proof of address ( utility bill or bank statement ) - Copy of prior dispute/validation request ( if applicable ) Statement : I am seeking the CFPBs assistance to ensure that AVA Finance, Inc. complies with federal law and properlyvalidates or removes this disputed account. This information is damaging my credit and appears to be either inaccurate or unverified, and I would like this matter resolved promptly. Thank you for your time and help. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation