vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: FL

Complaint narrative:
Most important look at the dates this is very important no consideration went into my disputes I have included the response from the merchant why do these do have blackout on them and why would Capitol One accept this XXXX? 

I authorized XXXX transaction with XXXX XXXX {$200.00} During our phone conversation, I explicitly agreed to this single charge only The merchant charged my card again the following month without my authorization I immediately contacted Capital One to dispute the unauthorized second charge Evidence I Provided to Capital One : Text message records showing my communications with the merchant were limited to phone and text only Clear documentation that I never visited the merchant 's website Explanation that all our agreements were made via telephone conversation Capital One 's Inadequate Response : Capital One is improperly denying my dispute claim based on insufficient investigation. They are : Accepting unverified merchant claims : The merchant submitted vague policy information claiming I agreed to recurring charges through their website Ignoring my evidence : Despite providing text message records proving our communication was phone/text only, Capital One continues to claim I haven't provided sufficient information Failing to investigate : I specifically requested that Capital One ask the merchant to provide my IP address records showing website visits- which would prove I never accessed their site to agree to recurring charges Shifting burden of proof : Capital One is requiring me to prove a negative ( that I didn't visit a website ) rather than requiring the merchant to prove their claim In my text messages to the merchant XXXX XXXX you will see that Itold the merchant to reverse the charge because XXXX did not authorize another month of their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Tn, XXXX XXXX ( XXXX ) XXXX [ National Credit XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, KS XXXX ] Subject : Request to Block Information Resulting from Identity Theft under 15 U.S.C. 1681c-2 Dear, CFPB I am writing to formally request the blocking of fraudulent information from my credit report in accordance with 15 U.S. Code 1681c2, which gives consumers the right to have information resulting from identity theft removed from their credit file. 


The item ( s ) in question listed on my credit report were the result of identity theft and do not pertain to any account or transaction that I knowingly authorized. The following account ( s ) are fraudulent and must be blocked from my credit file : Creditor Name : XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Account number : XXXX Pursuant to the statute, I am enclosing the following documentation in support of this request : Please initiate an investigation and block the fraudulent item ( s ) from appearing in my credit report as required by law. According to the Fair Credit Reporting Act ( FCRA ), this action must be completed within four ( 4 ) business days of receiving this request.

If you require any additional information to complete this request, please contact me in writing at the address listed above. 


Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
XXXX credit limit increase removed after approved on store app and credit dropped difficult to make payment to qualify and keep approved increase on account statement balance proof. New passwords and card requested and same issue over and over again. Unable to make payments and keep card as desired in active rotational increasing balance and improved rewards status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: PNC Bank N.A.
State: PA

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX Subject : Request for Loan Discharge Due to Hardship To Whom It May Concern, I am writing to formally request a discharge of my personal loan account with XXXX XXXX XXXX XXXX due to extreme and ongoing financial hardship. 

I was recently involved in a major car accident that has drastically impacted my physical health, ability to work, and overall financial stability. As a result, I am no longer in a position to maintain the repayment terms of this loan. This hardship is not temporary, and I have made previous attempts to seek assistance, but have not received support that adequately addresses my current situation. 

Given the severity of my circumstances, I am respectfully requesting that XXXX XXXX XXXX XXXX discharge the remaining balance of my personal loan or provide information on any applicable hardship discharge or forgiveness options. 

I am willing to provide documentation, such as medical records, proof of loss of income, or accident reports, to support this request. 

Please consider my situation with compassion and understanding. I am doing my best to recover and stabilize, and a discharge of this loan would significantly ease the burden I am facing. 

I appreciate your time and attention, and I kindly request a written response outlining any next steps. 

Sincerely, [ Signature ] XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: SC

Complaint narrative:
I am currently serving as an XXXX XXXX member of the United States military. I am reporting identity theft and fraudulent activity on my credit file. There are accounts listed that I did not open or authorize. Additionally, there are incorrect name variations showing on my credit report that do not belong to me and were never used by me. 

These accounts and name errors are not mine and are negatively impacting my ability to secure housing, financing, and essential services while actively serving this country. I did not give anyone permission to open these accounts in my name, and I do not recognize the information tied to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: WA

Complaint narrative:
Heres a draft for a formal complaint to the * * Consumer Financial Protection Bureau ( CFPB ) * * regarding your Direct Express issue. You can submit this online at * * [ www.consumerfinance.gov/complaint ] ( https : //www.consumerfinance.gov/complaint/ ) * *. 

-- - * * Consumer Financial Protection Bureau Complaint * * * * Your Information : * * Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : [ Your Email ] * * Company Information : * * Company Name : XXXX XXXX XXXX XXXX XXXX XXXX Address : [ If known, or leave blank ] * * Complaint Details : * * * * XXXX. What happened? * * On * * XX/XX/year> * *, my Direct Express debit card ( last XXXX digits : XXXX ) was * * wrongfully declined * * at a gas station on XXXX XXXX, XXXX, XXXX. When I called customer service, I was informed that my account had been * * closed without warning * * and my card * * canceled without fraud verification * *. I was never given a chance to confirm whether the transaction was legitimate. 

Despite submitting requested documents, I was only given a generic apology email and told to call back. After * * hours on hold * *, I was informed I must wait * * XXXX days * * for a new cardleaving me * * without access to my funds * *. 

* * XXXX. How did this harm you? * * - * * Food insecurity : * * Unable to buy groceries, my child and I went hungry. 
- * * Late fees : * * My rent will incur a * * {$100.00} late fee * *, and my phone was shut off ( requiring a * * {$60.00} reconnection fee * * ). 
- * * No transparency : * * No explanation was given for the account closure, and customer service failed to resolve the issue promptly. 

* * XXXX. What would resolve this? * * - * * XXXX access * * to my funds ( e.g., emergency cash transfer or temporary account access ). 
- * * Reimbursement * * for all late fees ( $ XXXX + {$60.00} phone ). 
- * * Explanation * * for the unjust closure and assurance it wont recur. 


* * XXXX. Complaint History : * * I attempted to resolve this directly with Direct Express on * * [ XXXX and XXXX ] * *, but the issue remains unresolved. I was put on hold for XXXX hours on XXXX and now again on hold for XXXX and counting XXXX. 

* * Request for CFPB Intervention : * * I urge the CFPB to investigate this unfair practice and ensure Direct Express : - Complies with * * Regulation XXXX * * ( protecting against wrongful account freezes ). 
- Improves fraud-alert protocols to prevent unnecessary hardship. 

* * Attestation : * * I declare under penalty of perjury that this complaint is accurate to the best of my knowledge. 

* * Signature : * * XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: AL

Complaint narrative:
Account ( XXXX # XXXX ) Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: SC

Complaint narrative:
We applied for a mortgage modification and they denied us talking about we are able to pay the mortgage still when we only down to one income I had a XXXX in XXXX and the only way we paid this long because of my tax money its gone now so we back to only his income.we have other bills to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently reviewed my credit report and found several accounts that do not belong to me, including those from XXXX XXXX XXXX and XXXX XXXX XXXX. These inaccuracies are having a profoundly negative impact on my life. Additionally, my credit report lists addresses where I have never lived.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently reviewed my credit report and found several accounts that do not belong to me, including those from XXXX XXXX XXXX and XXXX XXXX XXXX. These inaccuracies are having a profoundly negative impact on my life. Additionally, my credit report lists addresses where I have never lived.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: IN

Complaint narrative:
XXXX  is reporting a tradeline from XXXX XXXX that is legally disputed, time-barred under Florida Statutes 95.11 ( 3 ) ( k ), and unverified under FCRA 1681i. Despite sending a full verification demand and documentation to the furnisher, I received no signed contract, no bill of sale, and no proof of ownershipXXXX XXXX  failed to mark the account as disputed as required under 1681s-2 ( a ) ( 3 ), violating federal law. This misreporting led to a credit denial on XX/XX/scrub>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 2025-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
I went on line to a business called affirm. The vendor was selling prints. The vendor name is XXXX  XXXX. 
I was sent the prints on XXXX 2025 and another two prints on XX/XX/year>. 

The vendor has on their site hassle free 30 day refunds. I contacted XXXX XXXX and Affirm telling them I wanted a refund. They refused to give me address to return the prints too. Instead they demanded that pay them XXXX dollars and XXXX dollars. 

On XX/XX/year> I returned the prints to XXXX XXXX in the ironical boxes I received them in. See XXXX  receipt showing they were sent back to XXXX XXXX in the same condition I received them as. 

Affirm is the company that bills me for theses prints. When I asked them and told them I wasnt going to pay for prints that I was not happy with the company affirm stated that Tailored canvases told them that they were custom prints. 

They are not custom prints. The key word XXXX XXXX used to inform Affirm was they were treating them as a custom prints. Which goes against their own policy XXXX XXXX  saying hassle free returns for 30 days. Also their site advertises the print size I bought and no where on the site do they mention that they were custom. 

XXXX XXXX simply doesnt want to lose the money they already received which isnt my problem. Thats there Infact XXXX XXXX is simply baiting people by saying they will give you a refund but then when you try to get them they want you to pick another print instead of getting a refund. 

Affirm continued to send me a bill for theses prints that are not in my position and that I simply dont owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: MicroBilt / PRBC (formerly CL Verify)
State: GA

Complaint narrative:
On XX/XX/year> I received multiple alerts from all of the credit bureaus saying that I had a new inquiry.i have no applied for any new lines of credit within the last 3-4 years. I see that a company called Microbilt made a hard inquiry. I have not not had any dealings with this company nor do I know who they are.

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 2025-06-01 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: NC

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the verification of the account referenced above, which I believe contains inaccurate information on my credit report. I am a victim of identity theft and fraud, and I initially disputed this account as it does not belong to me. Despite my previous communication, I received a response stating that the account was verified as belonging to me, with no changes made. 

Account Details : Account Number : XXXX Creditor Name : XXXX Account Number : XXXX Creditor Name : XXXX Account Number : XXXX Creditor Name : XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX, consumers who are victims of identity theft have the right to request that fraudulent information be removed from their credit reports. Additionally, Section XXXX requires that furnishers of information conduct a reasonable investigation of disputes. Given my status as a victim of identity theft, I am requesting that you conduct a thorough re-investigation into the accuracy of this account. 

Request for Deletion : Since this account has been reported as charged off and is not mine, I respectfully request its removal from my credit report. If you can not provide verifiable evidence that this account legitimately belongs to me, I ask that you delete it promptly in compliance with the FCRA. 

Thank you for your prompt attention to this important matter. I look forward to your response and the resolution of this dispute. You can reach me at the phone number or email address listed above. 

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 2025-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/year> a Cash App support agent instructed me to endorse a check to 'Cash App ' for mobile deposit. I followed these instructions, but Cash App later rejected the deposit. Because of their endorsement requirement, the check is now invalid elsewhere. 
I contacted support 8 times ( Case # XXXX ) and was promised manager callbacks that never happened. Cash App has refused to reverse the endorsement or process the check, leaving me without access to my funds. This has caused : late bills, bank fees, late charges, disconnected services

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I am filing this complaint regarding a collection account reported by Columbia Debt Recovery LLC dba Genesis Credit Management for an apartment lease at XXXX  XXXX. The original balance from XXXX was approximately {$5800.00}, but the amount has been inflated to over {$9000.00} without any verification or documentation. 
I have previously disputed this account with Equifax and directly with the company, but no itemized statement, lease ledger, or legal validation has ever been provided. Despite the failure to validate, the account remains on my credit report marked as Dispute resolved consumer disagrees. 

Under the Fair Credit Reporting Act ( FCRA ), information on a consumer report must be accurate, verifiable, and not misleading. Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must provide validation upon request and can not report unverifiable or inflated balances. This tradeline is being reported without proper documentation and violates both statutes. 

Furthermore, this unverifiable account is materially impacting my ability to secure safe housing before XX/XX/XXXX. The continued reporting of an unverified, inflated, and disputed debt is not only inaccurate but also harmful and unjust. I am requesting immediate intervention.

Company response to consumer: Closed with explanation