vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
Hello I had a fraudulent charge made on my cash app account, here are the details of the charge. 
Date XX/XX/25, XXXX XXXX, Amount {$1000.00} Transaction number # XXXX Recipient was XXXX XXXX his cash app account is $ XXXX XXXX live in XXXX XXXX  and I believe this fraudulent charge was made in XXXX. 
My phone was with me during this transaction and I was at home in XXXX XXXX. 
I am not sure how my account was hacked and this payment taken from my cash app balance. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute the accuracy of the information your company, XXXX XXXX XXXX, has reported to the credit bureaus regarding my account. According to my credit file, your company has reported this account as a charge-off on XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute inaccurate or incomplete information reported on my credit file. At this time, I am requesting : Validation of Debt Please provide full documentation verifying that this debt is valid, that I am legally responsible, and that your company has the right to collect or report this account. 

Detailed Accounting Please provide a breakdown of the alleged balance, including principal, interest, fees, and any payments applied. 

Correct Reporting If you can not validate this debt with proper documentation, I request that you immediately remove or correct the charge-off entry from all credit reporting agencies to which it was furnished. 

Until such documentation is provided, I dispute this account in its entirety. Please note that reporting unverifiable information is a violation of the FCRA, and I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office if necessary. 

I expect your response within 30 days as required under the FCRA. Please send your reply to the mailing address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Bounce AI Inc XXXX XXXX {$5300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: MN

Complaint narrative:
Im filing a complaint against True Accord regarding violations of the Fair Debt Collection Practices Act ( FDCPA ) in connection with attempts to collect on a debt governed by an arbitration clause. The original contract, which was originated by XXXX XXXX includes an arbitration clause that requires any disputes related to the debt to be resolved through arbitration, not through traditional debt collection methods. Despite this, True Accord on behalf of XXXX XXXX has continued to pursue collection efforts without adhering to the terms of the arbitration agreement. In addition to failing to respect the arbitration clause, So now lets go to the cfpb has also violated the FDCPA by failing to properly verify the debt in accordance with 15 USC 1692g. The FDCPA mandates that debt collectors provide adequate verification of the debt within five days of their initial communication. True Accord has not provided proper verification or the necessary documentation to comply with the debt validation requirements outlined in the FDCPA. As such, True Accord has violated my consumer rights by continuing collection efforts despite the debt being subject to arbitration, and by failing to verify the debt as required under 15 USC 1692g. These actions mirror violations identified in previous case law. For example, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), the court ruled that XXXX violated the FDCPA by continuing collection efforts without providing proper debt verification. Similarly, in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court found that XXXX failed to provide the proper documentation necessary for debt verification under the FDCPA. I request that the CFPB investigate this matter and ensure that True Accorf cease all collection efforts until they properly verify the debt and adhere to the arbitration clause outlined in the original contract that was originated by XXXX XXXX  I further request that True Accord be held accountable for their violations of consumer protection laws under the FDCPA, and thaXXXX XXXX XXXX be investigated for their failure to ensure compliance with the arbitration provision in their agreement Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am disputing fraudulent transactions on my Capital One credit card account that I did not authorize. 

The only legitimate transactions I authorized were my stays at XXXX XXXX ( approximately XXXX times ). All other charges are fraudulent, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mobile Payments and Returned Mobile ACH Payments ( XXXX ) Related fees and interest charges tied to these fraudulent transactions I filed a police report ( Report No. XXXX ) to document the fraud. 

Despite my formal dispute, Capital One has not corrected these billing errors, and the fraudulent transactions are harming my credit score. 



Laws violated : Fair Credit Billing Act ( 15 U.S.C. 1666 ( b ) ( 1 ) ) : Protects consumers from liability for charges not authorized by the cardholder. Capital One has failed to properly remove these charges after my dispute. 
Fair Credit Reporting Act ( 15 U.S.C. 1681i ) : Requires prompt correction of inaccurate information on credit reports. Allowing these fraudulent charges to remain is a violation of this statute. 



What I want Capital One to do : 1. Remove all fraudulent transactions not associated with my authorized XXXX XXXX stays. 
2. Correct my account balance to reflect only authorized charges.

3. Remove all negative credit reporting connected to these fraudulent charges.

4. Provide me with written confirmation that these corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am filing a complaint against XXXX XXXX / XXXX, as well as Experian, Equifax, and TransUnion, for inaccurately reporting an account that was opened while I was in an active XXXX  XXXX bankruptcy. 

Details of the Issue : The XXXX XXXX / XXXX account ( XXXX ) was opened on XX/XX/XXXX, while I was in an active XXXX  XXXX bankruptcy ( Case No. XXXX, XXXX XXXXXXXX XXXX XXXX ) . 

Under 11 U.S.C. 364, creditors are required to obtain Bankruptcy Court approval before extending post-petition credit. XXXX XXXX XXXX never obtained this approval. 

Additionally, XXXX XXXX XXXX failed to perform a PACER bankruptcy check before approving me for this account. Had they checked PACER, they would have known I was under the protection of the Bankruptcy Court and not eligible for new credit without trustee/court authorization. 

My bankruptcy was filed on XX/XX/XXXX, confirmed on XX/XX/XXXX, and successfully completed/discharged on XX/XX/XXXX. 

Despite this, Experian, Equifax, and TransUnion continue to report this account as Closed. {$350.00} Written Off ( with a {$200.00} credit limit and {$350.00} highest balance ) as of XX/XX/XXXX. 

Why This Is Inaccurate : The account was extended without proper court approval during my XXXX XXXX bankruptcy. 

XXXX / XXXX failed in their duty to check PACER bankruptcy records prior to extending credit. 

Reporting this tradeline as a valid charged-off account is misleading and violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ). 

I have disputed this account with the credit bureaus, but they failed to remove it and did not conduct a reasonable reinvestigation as required under FCRA 611. 

Proof : Experian credit report showing the XXXX / XXXX tradeline and charge-off status ( enclosed ). 

Dispute records with Transunion, Experian and Equifax. 

XXXX XXXX XXXX bankruptcy records proving my XXXX  XXXX filing, plan, and discharge. 

Requested Resolution : Delete the XXXX XXXX / XXXX account ( XXXX ) from my Experian, Equifax, and TransUnion XXXX files. 

Provide written confirmation of the deletion. 

Ensure the account is not reinserted without proper notice under FCRA XXXX ( a ) ( XXXX ) ( B ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
Moved out apartment last rent was paid they kept my deposit and added false charges

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
This notice serves as a formal dispute of a debt your company claims to own or collect on. I do not acknowledge this alleged debt as valid and demand strict proof of your authority to collect under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and Regulation F, 12 CFR 1006. Pursuant to 12 CFR 1006.34 ( c ) and 1692g ( b ), I request the following : Complete validation of the alleged debt, including : A full itemization showing the original balance, interest, fees, payments, and credits ; The full name and address of the original creditor ; Date of default or charge-off. Proof of ownership and legal right to collect, including : A complete chain of title or assignment history from the original creditor to Springs Oak Capital ; Copies of purchase agreements, contracts of assignment, or bills of sale ; A copy of the original signed agreement or credit application that created the alleged obligation. Proof of proper debt notification in accordance with 12 CFR 1006.34 ( a ) including whether you sent a validation notice within five ( 5 ) days of your initial communication. Absent this documentation, you are not legally authorized to pursue collection or credit reporting activities. Any continued attempt to collect without sufficient proof of ownership and authority will be deemed a willful violation of : 15 U.S.C. 1692e false or misleading representations ; 15 U.S.C. 1692f unfair or unconscionable means to collect a debt ; 12 CFR 1006.18 deceptive representations about legal status or authority. Intent to Litigate If your office can not provide full validation and documentation within 15 business days, I will take legal action to : Seek declaratory relief that the debt is invalid or uncollectible, Pursue damages for violations of the FDCPA, Regulation F, and applicable state consumer protection statutes, Demand injunctive relief including tradeline deletion and cessation of collection. In addition, I have preserved my right to compel arbitration or file a civil action in state or federal court as appropriate. You are hereby placed on notice that failure to comply may result in formal legal proceedings. If no sufficient response is received, your silence will be treated as failure to validate, and I will proceed accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX in the year 2025 I received the letter saying that the principal reasons for XXXX XXXX  not approving my request for a XXXXXXXX XXXX XXXXXXXX application for credit card was due to the lack of sufficient relevant bank card revolving and charter account information, lack of sufficient relevant account information, lack of sufficient revolving account information and lack of sufficient relevant retail account information. It also stated that my custom credit store as of XX/XX/year> was the number XXXX. In my distant past I did have a XXXX XXXX XXXX credit card and to my recollection I did not owe them any money. I don't understand why my custom credit score is so low on number that I can not receive a new credit card. I believe I'm being discriminated against. I am a college graduate and a senior citizen single female and I am self supporting. Please help me thank 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 2025-09-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, my former landlord ( XXXX XXXX XXXX XXXX posted a 3-day pay-or-vacate notice on my door. I complied by vacating the unit. The landlord then filed for eviction but the case was voluntarily dismissed in court.

Despite that dismissal, the landlord attempted to charge me nearly {$13000.00} in alleged fees, including rent for months I did not occupy the unit and other charges that go beyond the terms of my lease. They later sold this alleged debt to National Credit Systems ( NCS ). 

On XX/XX/XXXX, I sent NCS a formal debt validation request by certified mail, which they received ( proof of delivery is attached ). I requested : Proof of the amount claimed, A full accounting of charges, A copy of the lease agreement, Documentation that NCS is authorized to collect, and Chain of title/assignment of the debt.

NCS never responded to this request. Instead, they continued to report this account to all three credit bureaus. I disputed directly with the bureaus, but the tradeline was verified as accurate even though I had received no validation from the furnisher.

This is a violation of : FDCPA, 15 U.S.C. 1692g ( b ) because collection activity continued without providing validation ; and FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) because the company continued to furnish information to the credit bureaus that they could not substantiate.

The eviction was dismissed in court, the company failed to validate after a proper certified request, and they are still reporting this debt.

I am requesting that the CFPB require National Credit Systems and/oXXXX XXXX XXXX XXXXXXXX to delete this tradeline from my credit reports and cease all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LD Holdings Group, LLC
State: MO

Complaint narrative:
We bought a house on XX/XX/year> and it was financed with Loandepot for the amount of {$290000.00} and made the first payment on XX/XX/XXXX and on XX/XX/XXXX of 2025 I made the XXXX payment in the amount of XXXX and {$25000.00} towards the principle and another {$5000.00} to be applied to the escrow account on top of {$3900.00} that was in that account. 
Loandepot sold the mortgage to XXXX but failed to add the {$25000.00} to the principle and the {$5000.00} in additional escrow account. 
Now XXXX stating that the mortgage balance is {$25000.00} higher than what it suppose to be and the additional {$5000.00} in escrow was not transferred. 
XXXX is charging interest rate on the missing money also. I like to know which company is keeping my {$30000.00} when it should have added to the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: CA

Complaint narrative:
To Whom It May Concern, I am filing this complaint against TransUnion, Equifax, and Experian due to their ongoing failure to correct and remove inaccurate and unverifiable information from my consumer credit reports. 

Despite sending XXXX rounds of dispute letters and providing supporting documentation, the following accounts remain on my reports and continue to harm me : 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  I have also filed complaints with the BBB, FTC, CFPB, and local law enforcement , but these agencies have not resolved the matter. The credit bureaus continue to verify these accounts without providing any of the source documentation I specifically requested, such as signed contracts, payment history, or chain of custody records, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

It has now been well over 45 days since my most recent disputes, far exceeding the timeframe allowed under the FCRA. Instead of correcting or deleting unverifiable items, these bureaus continue to re-report the same inaccurate information.

Because of this, I have been denied credit, loans, housing approvals, and forced into higher interest rates. This has caused me significant financial and emotional harm.

I am requesting that the BBB hold TransUnion, Equifax, and Experian accountable and assist in getting these inaccurate items permanently deleted from my reports in compliance with federal law. 

Attached are copies of my final dispute letters to each bureau for your reference. 

Sincerely, XXXX XXXX XXXX XXXX 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 2025-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I paid PennyMac Mortgage XXXX my XXXX mortgage payment from my XXXX Bank checking account on XXXX XX/XX/year>. My bank records prove that PennyMac received the funds but did not deposit any money into the account that paid them. See attached XXXX Bank statement. 

PennyMac claims I did not pay the Mortgage. My bank statements demonstrate that I did pay the mortgage. Accordingly, my mortgage payment must be accepted without penalty. 

PennyMac took a mortgage payment from my XXXX Bank checking account without my consent. Although they put the money back into the account. They should be penalized for the unauthorized taking from my account ( thief ). 

You previously closed my first complaint on the word of PennyMac. They gave you a false statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported unauthorized hard inquiries on my credit report that were not initiated or authorized by me. This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ), which prohibit reporting inquiries not initiated by the consumer unless specific conditions, such as prior written consent or a firm offer of credit, are met. I did not provide any written authorization for these inquiries, and their presence on my credit report is therefore unlawful. Additionally, the agency has failed to provide documentation or evidence of a permissible purpose for these inquiries.

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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
On multiple occasions, I have disputed alleged debts that are being reported and/or collected by LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX Despite these prior disputes, each of these companies has continued collection activity and/or reporting negative information to the credit reporting agencies. 

On or about XX/XX/year>, I submitted written cease-and-desist requests to each company : LVNV Funding LLC alleged debts in the amounts of {$510.00}, {$1300.00}, and {$650.00} XXXX XXXXXXXX XXXX XXXX alleged debt in the amount of {$1000.00} Michigan XXXX XXXX XXXX alleged debt in the amount of {$1900.00} I dispute these debts and have raised disputes previously, yet the companies continue to contact me and/or furnish disputed information to credit reporting agencies without proper validation. 

This conduct is in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which requires collectors to cease communication once written notice is provided, and the Fair Credit Reporting Act ( FCRA ), which requires disputed accounts to be accurately reported.

I am requesting that the CFPB ensure : 1. These companies immediately cease all direct communication with me.

2. Any accounts in question are properly marked as disputed with all credit reporting agencies.

3. Verification and documentation of the alleged debts are provided before any further action is taken.

Company response to consumer: Closed with non-monetary relief