vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing to formally dispute the listing of a voluntary car repossession on my credit report. The repossession was reported as a negative item, but I believe it should not be reflected in this manner for the following reasons : Voluntary Nature of the Repossession : The repossession was voluntary on my part due to financial hardship. I proactively returned the vehicle to the lender in order to avoid further default and financial consequences. This was not an involuntary repossession or an action initiated by the lender without my consent.

Impact on Creditworthiness : While I understand that voluntary repossession is still a significant event, I believe it should be reported with more context, such as " voluntary surrender, '' to avoid mischaracterizing my overall credit behavior. I did not neglect the loan intentionally and took steps to manage the situation responsibly. 

Request for Reconsideration : I kindly ask for a review of the information reported and, if possible, a modification to reflect the voluntary nature of the repossession. This adjustment would present a more accurate portrayal of my credit history and financial decisions. 

Please find attached any supporting documents, such as correspondence with the lender and a copy of the voluntary repossession agreement. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute. 

Sincerely

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
DEBT VALIDATION CLAIM, I WANT THE COMPANY TO PROVIDE FULL DETAILS LIST ON THIS TITLE ACCOUNT. 
I NEED CLAIM OF TITLE YOU HAVE TO COLLECT ON THIS DEBT. 
ORIGINAL SIGNATURE I AGREED TO THIS CRADITOR ON THE CONTRACT. 
HAS THERE BEEN ANY INSURANCE CLAIM FOUND ON THIS DEBT. 



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See card options Length of credit history 15 % of score GOOD Amount of new credit 10 % of score GOOD Credit Mix 10 % of score GOOD View key factors Debt summary Lenders report your balance and payment status to Experian, typically once a month. This is what they last shared as of XX/XX/year>2025. 

TOTAL DEBT {$64000.00} Credit cards or credit lines Auto loans or leases Student loans Other accounts View full Experian report from XX/XX/year>2025 2025

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 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TekCollect Inc.
State: OH

Complaint narrative:
I received and requested the following in reference to Acct # : XXXX Amount in dispute : {$2000.00} XXXX formally dispute the alleged debt referenced above, which your agency claims I owe. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), In pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ) I request that you provide me with the following information to validate this debt : 1.The amount of the debt : Please provide a complete and detailed account of the amount you claim I owe, including any interest, fees, or other charges that have been added to the original debt.

2.The name of the original creditor : Please provide the full name and address of the original creditor to whom this debt is owed.

Verification of the debt : Please provide documentation that proves I am indeed responsible for this debt, including any signed agreements, contracts, or other proof of the obligation.

3.A detailed history of the account : Please provide a complete account history, including the original balance, any payments made, any fees or interest added, and the dates of these transactions.

4.Copy of the agreement : Kindly provide a copy of the signed contract or agreement that demonstrates my obligation to pay this debt.

5.Documentation on your licensing : Please furnish me with your agencys licensing information, as required by state and federal laws.

Please note that under the FDCPA, you are required to provide the requested validation within 30 days of receiving this letter. If you fail to do so, I expect that this debt will be removed from my credit report and that no further collection attempts will be made. 
Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Im getting charged all the time from these people n if I get a new card they get into my stuff and charge other accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: IL

Complaint narrative:
Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per USC 1681g, I am requesting their removal within 15 days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each bureau.

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 2025-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
This month, XX/XX/year>. I continue to receive calls from Consumer Portfolio Services. I told them my circumstances of owing Federal Income taxes {$5800.00} and in actuality they wanted a large portion on a monthly basis before garnishment starts. I only get paid once a month. They insist that I borrow the money to pay them. I did say that if they wanted the car come and get it, but I will never risk my health to pay for a car that I don't have and I mean what I say. Because then I will obtain an Attorney to draw that paperwork up. They continue to threaten me, harassing me while I'm working on the job, and the interest rates keeps getting astronomical. When I bought this car I was in the process of filing XXXX  XXXX and my Bankruptcy gives all clients a paper on where they can easily obtain a car after Bankruptcy after being approved Consumer Portfolio Services is the company that chose to finance the loan. I read the reviews on this company and the reviews are true. such as harassment, their questionable business practices and the threatening. This would not be my first repossession. I will not pay for a car i don't have. If I'm struggling to pay while I'm driving, give me a reason to really pay for something i don't have. So this company need to find a way for my payments to be reaged or put on the back end. The total harassment has to stop, the threatening needs to stop before my XXXX XXXX rise to a level that can be at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
This account was removed from my credit due to identity theft. Now it's back reporting from a different company. CFBP already investigated this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: FL

Complaint narrative:
I have attached documentation from the appropriate authorities to support my claims. I would be grateful if you could promptly remove the fraudulent entries from my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities because I already file a complaint again for these items.

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 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a hard inquiry from Capital One. Upon contacting Capital One, I was informed that an account had been opened on XX/XX/year>. I have reported this activity as fraudulent, as I did not apply for or request any funds or accounts with Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — Store credit 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: OH

Complaint narrative:
I placed a simple order for four things in inventory and available at the XXXX XXXX XXXX. When I go to the online checkout one of the items was required to be picked up at another location 60 miles away. I called to verify that it was in inventory at the XXXX store and yes it was. They said just come in and we'll take care of it. This has turned into an absolute nightmare. In order to do the exchange they had to delete the purchase and redo everything. Fine. This ensuing accounting disaster has completely rocked my world. When I got home from the store I got an email stating my order was ready for pickup in Wisconsin. I now owe more than what I purchased. Then I received a credit for the store 60 miles away that never charged me as they canceled the pickup that further screwed everything up. I've had to call XXXX XXXX over two dozen times and you can't get ANYONE at XXXX 's corporate to call me. This is the SHORT abridged version of this whole mess because I am sick and tired of dealing and writing about it. 

I've had two prior incidents in the last few years that have been unmitigated disasters. I have spent countless hours fixing these issues and I am sick of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/year>2025, logged in to online bill pay with Chase Bank to pay real estate taxes to XXXX XXXX ( {$12000.00} ) that were due on XX/XX/scrub>/2025. After making the payment online, received an online confirmation that the payment would be delivered electronically to the XXXX on XX/XX/scrub>/2025. On XX/XX/scrub>/2025, received a delinquency notice from XXXX XXXX XXXX that the real estate taxes had not been paid, resulting in a 10 % penalty ( {$1200.00} ). Contacted Chase Bank right away and then discovered that on XX/XX/scrub>/2025, the electronic payment was rejected for the reason that " We didn't approve this payment. '' Chase claims they called my cell phone to verify that I had indeed requested the online bill payment, and when I didn't answer, they rejected the payment. I'm not aware of any phone call from Chase having been made to my cell phone, and no message was left so that I could have returned the call. I thought the payment to XXXX XXXX XXXX had been made, and made on time, and was not aware otherwise until XX/XX/year>2025. The late fee penalty ( {$1200.00} ) was caused by Chase Bank 's mishandling of the online bill pay, and I have requested that they reimburse me for it. The branch manager at Chase has so far advised me that reimbursement for the late fee is unlikely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I disputed this credit card directly with Capital One, I also made a police report for fraud, and send it all to capital one in XXXX. On XX/XX/XXXX I received a letter from Capital One the case was closed and the dispute had been made and I was NOT responsible for this account. To my surprise in XX/XX/XXXX I received a letter from Court Officer regarding this account. I have informed them multiple times that this account was closed and disputed two years ago. I am being sent to court for an account i had no knowledge of and I'm not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
I have been using Robinhood to trade stocks and cryptocurrency since 2024. Recently, I purchased approximately {$25000.00} worth of Bitcoin through their platform, with a combination of cash and cryptocurrency being stored in my Robinhood account.

I decided to switch wallets and transfer my assets to another provider, XXXX. Robinhood imposes a {$5000.00} daily transfer limit, so I initiated a transfer of {$5000.00} in Bitcoin to my XXXX wallet. That transaction was successful, leaving roughly {$19000.00} remaining. 

However, when I attempted to initiate another {$5000.00} transfer after the 24-hour restriction had passed, I received an error stating that my " account is restricted due to a recent review. '' I have already completed all required identity verification steps and purchased the Bitcoin directly through Robinhoods exchange. Despite this, I am now unable to transfer my own funds. 

To make matters worse, I have no way to get support. There is no phone number available, and the in-app customer support system only provides automated messages stating my account is restricted, without any explanation or option to escalate the issue. I can not speak to a live representative, nor can I get any clarity or resolution. 

I am requesting urgent assistance to recover my funds, which are currently inaccessible and being held without explanation. This situation is deeply concerning and needs to be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
Called credence Resource Management regarding a debt I had with cox. I had returned equipment that day then XXXX had given me the amount to close the collections and I paid on phone. Then I called credence Resource Management and they informed me that I owed more. So we called XXXX on 3 way on XX/XX/XXXX and each rep conversed and XXXX informed them I do not owe money. They exchange id numbers and all information they agree it is closed and informed me. XXXX sent me an email stating XXXX balance and on XX/XX/XXXX credence closed the file on XXXX XXXX. On XX/XX/XXXX credence hit my credit once more but now saying I owe {$280.00}. I call credence and they have no notation of my call and demand the money. I refuse and do another 3 way call with XXXX and Credence Resource Management. XXXX does have all the notations and informs the credence Resource manager named XXXX XXXX that i have no debt with XXXX or credence. They agree it is closed as of XX/XX/XXXX. I have now lost XXXX credit points because of this and I feel credence Resource Management acted illegally or with malicious intent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: IN

Complaint narrative:
I found there are several incorrect information on my credit report, which affect my background check. 
1. There are two previous address do not belong to me. l never lived there before.

2. There are 3 credit card accounts do not belong to me.

3. There is a collection which is not belong to me. The collection is from a property that I never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-21 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-21 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: EQUIFAX, INC.
State: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief