vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$880.00}

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 2025-09-13 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: PNC Bank N.A.
State: GA

Complaint narrative:
On XX/XX/year> I had went to XXXX I had 2 transactions back to back one for XXXX and one for XXXX. The charges were done at exactly the same time one after another. I could not figure out how in order that I had added up in my head which only cost around {$400.00} had now become over {$1000.00}. I could not figure this out so because of that, I went to the customer service desk and asked for a return on all of the items because I could not figure out how I was being overcharged. I did see on the receipt that I had been triple charged on certain items so because of this I went over to the service desk. The lady said she wasnt gon na return my stuff because they were about to get off of work so I refused to leave. They called the police. The XXXX XXXX police came, which I have a picture of him and I have given that to PNC Bank because I could not ever get a hold of XXXX every time I got a hold of them, they hung up as soon as they realized who it was and what it was about they did not wan na talk to me and they refused to talk to me about this. So I took it to PNC bank. I have made two disputes about this. They only gave me back the XXXX. They would not return the {$850.00} and this I cant figure out why because I left every single item there the officer witnessed me leaving everything there everything that was every single thing from both transactions the officer whose picture I will include if theres a way to his name is XXXX XXXX.the richest bank in XXXX refused to return my XXXX dollars When thats everything to me and thats not anything but pennies to them. I have made two separate disputes about this and both times they refuse to give me back my {$850.00}. This has been going on since XXXX. I dont know why PNC refused to give me my money back and Ive explained to them time and time again Im homeless because of this and still I cant get my money back why?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: TX

Complaint narrative:
On XX/XX/XXXX, I paid for a XXXX XXXX that was not received. This company opened their doors to the general public with XXXX options- ( XXXX ) XXXX XXXX and ( XXXX ) XXXX XXXX. I was advised that there was no XXXX XXXX activities on the first day of the week of XXXX. The owner was not onsite. My son participated in XXXX XXXX. My son was not safe, so the owner offered me a credit to use. My XXXX XXXX old son was also charged for the same item twice at different prices. On XX/XX/XXXX, my son went to use the credit. We were told by XXXX that we did not have a credit and to dispute the charges. I disputed the charges and paid {$18.00} for another XXXX XXXX session on XX/XX/XXXX. I received an email on XX/XX/XXXX stating to cancel the bank dispute and I would receive a credit ... or continue the bank dispute for a refund. On XX/XX/XXXX, I received notifcation from Capital One that the merchant stated I used the goods and {$110.00} was rebilled to my credit card. I notified the merchant. On XX/XX/XXXX, the response from the merchant was, " As this matter is now under investigation by your bank, we will be communicating directly with our merchant services provider and will no longer be able to discuss this case with you. We will wait for the outcome of their investigation ''. I uploaded this email and a signed statement to Capital One to reopen, stating why it should be reopened but Capital One still sides with the merchant and maintains that I must work with the merchant. This is per XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revenue Enterprises, LLC
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX -- Referred by my XXXX  doctor to their XXXXXXXX XXXX XXXX  at XXXX XXXX XXXX XXXX for an acute XXXX. At the time the appointment was made, I specifically asked them how much my co-pay would be. An amount was not given but I was told it would be billed. 
XX/XX/XXXX -- Date of appointment. Still not told how much my part would be. 
@ XX/XX/XXXX -- The invoice arrived for {$5100.00} of which {$790.00} was billed to me. I immediately disputed as this was excessive for this type of care. 
Started with collection calls all of which I disputed and asked for the amount to be negotiated lower XX/XX/XXXX -- I started emailing advising of my dispute and the surprise billing. 
XX/XX/XXXX -- second email sent of my dispute and surprise billing rule. 
Received document by mail -- itemized breakdown of XXXX  bill XX/XX/XXXX -- emailed asking for reduction of the amount due to excessive for this type of treatment and XXXX  could have advised me of my co-pay and deductible amounts but chose not to. 
XX/XX/XXXX -- second request for status of my request for reduction XX/XX/XXXX -- I received email explaining billing but not why I was not informed beforehand of amounts I never received a denial or approval XX/XX/XXXX -- I emailed XXXX XXXX advising that I received a collections bill from Revenue Enterprises LLC and this account is in active dispute. 
XX/XX/XXXX sent email to collection company and XXXX XXXX advising of dispute and it not being resolved. 
XX/XX/XXXX -- Revenue Enterprise LLC moved my account to the disputes department. 
XX/XX/XXXX -- I emailed XXXX XXXX and Revenue enterprise disputing due to surprise billing and excessive charge for treatment XX/XX/XXXX -- account has been added to my credit by a company called XXXX XXXX XXXX XXXXXX/XX/XXXX -- disputed this with XXXX XXXX XXXX XXXX- account is now listed on my credit with XXXX XXXX XXXX XXXX XX/XX/XXXX -- email complaint to CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: CORELOGIC INC
State: NM

Complaint narrative:
Name is trademarked and nobody had permission to use not XXXX XXXX XXXXXXXX XXXX or anyone Do not use my Trademark. Opt out and delete all my private personal information or pay {>= $1,000,000} usd in license fee stop using immidiatly as no company has paid fees and continued use of my Trademark is going to end up in court not playing. Opt out and delete all data permantly you have been notified. See Public law 73-10

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 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I deposited a check into my Citibank account around XXXX of XXXX. Citibank withdrew the money from the individual banking account who wrote me the check. I visited Citibank branches more than 20 times. I called their customer service department more than 50 times. Initially, Citibank claimed the check is fraudulent. The writer of the check came with me to Citibank branch 5 times. Then Citibank requested that check writer call from his place of business to confirm activity. I was at his place of business around when he made the call to their customer service department on 10 different occasions. Citibank is still refusing to release funds although money was already withdrawn from check issuer 's bank account. 16 months have passed and I am still waiting for my money.

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 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
They called twice on XX/XX/XXXX once at XXXX and again at XXXX and left a voicemail, then they called twice again on XX/XX/XXXX at XXXX and XXXX, twice more on the XXXX at XXXX and XXXX, and twice more on the XXXX at XXXX and XXXX leaving a voicemail after the second call each time. They have also emailed me on the XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX and texted me a handful of times that I deleted before I knew it was going to be this bad. 
This was all done by Synchrony Bank over a Care Credit card.

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 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
Subject : Follow-up Cease and Desist Letter Sent to Debt Collection Agency To Whom It May Concern : I am writing to follow up on my previous complaint regarding Halsted Financial Services , which is attempting to collect a debt that appears on my credit report. 

On XX/XX/year>, I sent a formal cease and desist letter to the agency, requesting that all communication with me cease immediately, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Despite this request, the debt remains inaccurately reported to the credit bureaus '' ]. I have attached a copy of the cease and desist letter for your review. 

I am asking the CFPB to : Investigate this agencys conduct. 

Ensure the agency complies with my cease and desist request. 

Review the validity of the reported debt and its appearance on my credit report, if applicable. 

Thank you for your attention to this matter. Please let me know if further documentation is needed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Activehours
State: KY

Complaint narrative:
I took out a cash advance from Earnin after having some car issues and needed to borrow from my check prior to pay date. I accepted the terms and agreements that stated I would be changed on XX/XX/XXXX in coincidence with my paycheck date- which is always the XXXX every month. I am attaching screen shots that show this as well- where it plainly states repayment is due the XXXX and you can see the transactions on Earnin showing they processed repayment XXXX XXXX- three days earlier than the agreed upon terms. 
I am now $ XXXX because of this. Im a XXXX  mother. I have no way to get gas or groceries the entire weekend. I contacted their customer service and my bank. My bank confirmed they DID indeed have these transactions coming from Earnin on the XXXX. She said likely they meant to do it on the weekend when banks are closed so Monday morning its immediately processed- but they did it Friday which is a business day clearly so it went through. So they totally breached the agreement by pushing these debits three days before my check date. 
Earnin uses the age old its just pending! excuse and refused any accountability saying to call my bank. Im literally on the phone with my bank as Im doing the chat feature with them. Earnin just argues its the banks issue not theirs it wasnt supposed to process yet. But clearly they submitted it early and knew the risk of that happening. They take no responsibility and disputing the charge would make no difference because its a Saturday so the disputes wont clear til Monday anyways. So there was no point in doing that. Im just forced to sit in the negatives and possibly incur over drafts ( my bank is wonderful so I doubt theyd leave them, Im sure theyd be waived ) but the entire complaint hinges on the fact they absolutely breached our contract. It states XX/XX/XXXX and I was debited on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
My paypal account was put on a XXXX ban for an undisclosed reason. After XXXX  days they let me take my money out, but the only way to get my XXXX out, was to sell my asset on their system, hence incurring fees and devaluation in conversion, in the process. 

I simply wanted to send my coins to a different wallet, and nobody could tell me why. One agent directed me to a completely different website, XXXX, where I spent hours with them trying to resolve the issue created by paypal. 

I ended up selling my XXXX, and cashing out, because promised calls from customer representatives were not returned as promised. 

So I lost about XXXX, and had a lot of my funds tied up, all while trying to fund a small business. 

Customer support is nowhere to be found, and they just lie when confronted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Complaint False Certification of Deletion and Continued FCRA Violations ________________________________________ To Whom It May Concern, This letter serves as a formal complaint against Experian for misrepresentation and ongoing violations of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, Experian issued a response to my complaint filed on the CFPB website ( Complaint # XXXX ). In that response, Experian claimed that certain disputed accounts had been deleted or corrected. However, my most recent Experian credit report, dated XX/XX/XXXX ( Report # XXXX ), proves that these same accounts remain actively reporting as derogatory. 
Accounts Still Reporting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Misrepresentation of Deletion The spellings of these accounts match exactly across my original complaint, Experians XX/XX/XXXX response, and my XX/XX/XXXX Experian report. This confirms that no deletions occurred despite Experians representation that they had been removed or corrected. Such conduct constitutes a false certification and a deceptive practice.

FCRA Violations 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Failure to delete inaccurate or unverifiable information.

Requested Action 1. Immediate deletion of the above-listed accounts.

2. Written confirmation of removal within 7 days.

3. Full documentation of verification, including original contracts and account-level documentation, if Experian claims these accounts are valid.

4. Referral to the Consumer Financial Protection Bureau ( CFPB ) for enforcement action against Experian for providing false certifications and repeated FCRA violations. 
Failure to comply will leave me no choice but to pursue further legal remedies. 
Sincerely, 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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I opened an auto loan for a XXXX XXXX XXXX on XX/XX/XXXX for a term of 69 months. The vehicle was repossessed after XX/XX/XXXX because I was unable to maintain the biweekly payments. I was never provided with documentation showing how much the car was sold for after the repossession, which I am entitled to receive. 

On XX/XX/XXXX, I contacted the CFPB to file an original report regarding this matter. During the process, the lender XXXX made false statements by claiming they attempted to contact me. In reality, I repeatedly tried to reach out to their representative, XXXX XXXX, Agency Specialist, but she never responded to my emails or phone calls. Instead of addressing my concerns, she reported to CFPB that she had contacted me and then closed my case without resolution.

The account was reported as closed on XX/XX/XXXX, which now leaves me with a derogatory mark that will remain on my credit report for another seven years. This unfairly hinders my ability to move forward financially and impacts important aspects of my life.

Requested Resolution : I am requesting that this account be removed from my credit report due to XXXX failure to provide legally required documentation, their misrepresentation to CFPB, and their lack of responsiveness to my legitimate attempts to resolve the matter.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Today a new address was added to my credit that wasnt mine. 

On XX/XX/XXXX yet the same exact address appears on my credit report and once again it doesnt belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Subject : Unauthorized Retention of Funds by Chase Fraudulent Merchant Transaction I am filing this complaint regarding a dispute with Chase Bank involving payments to a merchant on XXXX 

On XX/XX/XXXX, XX/XX/XXXX ( {$1500.00} ), and XX/XX/XXXX ( {$890.00} ), I made payments totaling {$4400.00} to a seller for a bulk order of skincare products. Additionally, I paid {$300.00} on XX/XX/XXXX at the sellers request for product testing to comply with XXXX safety standards. 

The merchant shipped a partial order directly to XXXX, not to me. Shortly after arrival, XXXX deactivated and destroyed the products because they failed compliance testing for containing banned ingredients ( bleaching agents ). The remaining products were never shipped, and despite repeated promises, the seller provided no replacements or refund. 

This left me with total loss of funds and no merchandise. 

I provided Chase with : XXXX order invoices, Proof of missing and unsafe products, XXXX notices of destruction, Screenshots of seller promises, and proof of the {$300.00} testing payment. 

Chase denied my claim, stating only that the transactions were authorized, despite overwhelming evidence of fraud and failure to deliver. When I requested details of their investigation, they refused to provide merchant responses or internal notes, offering only a generic rejection letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Charge to my Navy Federal debit card on XX/XX/XXXX and XX/XX/XXXX From " XXXX  XXXX '' which i do not have insurance with. 1 is for {$200.00} on XX/XX/XXXX and the other is for {$100.00} on XX/XX/XXXX. I've disputed several times and made many calls To Navy Federal. They won't talk to me ( the investigators ) and only send XXXX messages saying " based on a thorough investigation of your account activity, we have determined that no error has occurred. '' We have disputed and did 2nd reviews several times now. Been since XX/XX/XXXX. Enough is enough. I just disputed again today because once they determine it's not a fraudulent claim, it just automatically closes the incident and you have to start all over again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
Sent several disputes to this company and they keep reporting account to my credit. Demand deletion.

Company response to consumer: Closed with explanation