vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
I had XXXX for internet service back in XXXX. In XXXX of XXXX, I was evicted from the apartment I was living in and I called XXXX to cancel my service. XXXX did not cancel my service and continued to bill me through XX/XX/XXXX. They now claim I have a balance XXXX. They have sold the collection to a collection agency. I have disputed the debt and provided papers showing ny balance in XX/XX/XXXX, a paper from the courts showing I was evicted in. XX/XX/XXXX, and a bill dated XX/XX/XXXX. They keep claiming that the debt is accurate. I don't get how it can be accurate being I cancelled it and I was no longer living at the residence. The company that bought the debt from XXXX is : CREDENCE RESOURCE MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding inaccurate and misleading information being reported on my credit reports by XXXX XXXX XXXX XXXX  in violation of the Fair Credit Reporting Act ( FCRA ). 

Accounts in Question : WFBNA Card, Acct. ending in [ XXXX ] [ Other account ending in XXXX ] Issues Identified : These accounts are marked as " Charged-Off '' but continue to update monthly as if delinquent, with repeated CO notations beyond the actual date of charge-off. This constitutes unlawful re-aging of the account, contrary to FCRA 623 ( a ) ( 1 ) ( A ).

One account shows a balance of {$550.00} on a {$500.00} credit limit, despite being closed. This reporting is inaccurate and misleading. 
The WFBNA account shows a " XXXX updated XX/XX/XXXX, '' but also lists XXXX updated XX/XX/XXXX. This creates conflicting and unverifiable reporting, violating FCRA 607 ( b ), which requires credit reporting agencies to maintain maximum possible accuracy.

Several accounts fail to provide the original creditor information, in violation of FCRA 609 ( a ) ( 1 ) ( A ), which entitles me to know the sources of the information in my report.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX falsely reported my loan as 180 days past due while my payment-deferral application was under review. XXXX required me to apply for a deferral before resuming payments after forbearance, and assured me in writing that no delinquency or negative reporting would occur during the 30-day review period ( you should not receive any collection calls, letters, and/or foreclosure proceeding notices Complete Application Acknowledgment, XX/XX/XXXX ). 

I submitted my application on XX/XX/XXXXXXXX XXXX  approval letterdated XX/XX/XXXX but delivered XX/XX/XXXX ( see USPS Informed Delivery attachments ) stated that if I accepted the offer, XXXX would adjust my next payment due date and bring my account current as of XX/XX/XXXX, and the prior payments during the forbearance plan would be deferred to the end of the loan. The letter also demanded a payment within three business days ( straddling the XXXX holiday, no less ). Yet it provided no phone, email, or in-app notice of this new deadlinejust a USPS-delivered letter XXXX The letter did not mention that failure to accept the payment deferral agreement by XX/XX/XXXX would result in my account going into delinquent status and XXXX rescinding the offer and reporting my loan as 180 Days Past Due. 

The XX/XX/XXXX payment due date elapsed before I even saw the letter. On XX/XX/XXXX, XXXX rescinded the offer " because we have not received your acceptance regarding the offered Payment Deferral. '' On XX/XX/XXXX, it reported my loan as 180 days delinquent, contrary to its written and verbal assurances. 

XXXX week later, on XX/XX/XXXX, XXXX approved a trial modification and brought the account current. But it refused to correct the reported delinquency, despite several verbal and written requests. 

In short, XXXX barred me from paying, then blamed me for non-payment. Reporting a 180-day delinquency under these circumstances is inaccurate and unsupported.

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 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Subject : Cease and Desist Letter Dear This letter serves as a formal demand that you immediately cease and desist from engaging in the following activities : [ briefly state the conduct e.g., unauthorized use of copyrighted material, making defamatory statements, harassment, etc. ]. 
It has come to my attention that you have [ describe the offending behavior in more detail e.g., " repeatedly posted defamatory statements about me on social media, '' or " used my copyrighted photos without permission on your website '' ]. These actions are unauthorized, unlawful, and harmful, and they are in direct violation of my rights under [ cite applicable laws if known e.g., copyright law, trademark law, civil code, etc. ]. 

I demand that you : nImmediately stop Refrain from engaging in this behavior in the future ; [ Optional : Remove/delete/retract any content already published or distributed ] ; Provide written confirmation within [ number ] days of your compliance with this demand. 

If you fail to comply with this letter within the stated timeframe, I will have no choice but to pursue all available legal remedies, including but not limited to seeking injunctive relief, monetary damages, and attorneys fees. 

This letter is not a complete or exhaustive statement of my rights and claims, and nothing herein shall be construed as a waiver of any legal or equitable remedies available to me. 

Please be advised that this is your final warning to resolve this matter outside of court. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IL

Complaint narrative:
I have a student loan with Iowa student loan ( XXXX ) with an original amount of {$140000.00}. Consolidated on XX/XX/XXXX right after graduation from XXXX XXXX XXXX XXXX. I had Capitalized interest applied to my principal XXXX {$23000.00} on XX/XX/XXXX and {$73000.00} on XX/XX/XXXX. I have paid {$180000.00} to my principle to date, {$63000.00} in interest to date, Total payments are {$240000.00}, and principal balance remaining {$42000.00}. I did have some difficulty paying my loans originally I can submit my repayment statement if you like. I paid what I could in the beginning and my payments have gotten much larger as the payments continued. I currently pay {$1000.00} per month and have for a long time. I understand I signed the documents and got the education so I could do what I do as a chiropractor and help people every day, which I am very thankful for. I just feel a little taken advantage by the lending institutions and amount of interest including the {$96000.00} in Capitalization Interest and {$63000.00} in accrued interest totalling {$150000.00}. Seems really unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
On or about XX/XX/year>, the Merchant ( XXXX XXXXl ) charged my XXXX Credit Card in the amount of {$500.00} and open a store card account with XXXX XXXX XXXX XXXX XXXX XXXX I had no knowledge nor approval of this store card open for the purchase of diamond earrings on same that day. Upon receipt of the store credit card in the month of XXXX of XXXX, I had filed a complaint against XXXX XXXX XXXX XXXX XXXX for Identity theft with the Federal Trade Commission ( XXXX ) regarding the unauthorized credit card. On XX/XX/year>, Diamonds International agreed to chargeback their merchandise and verified they received diamond earrings XX/XX/year>, as were agreed. The XXXX Credit Bureaus removed the XXXX XXXX XXXX XXXX International reporting debt account number : XXXX by required law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing a formal complaint against TransUnion for inaccurate and misleading reporting of my XXXX  account XXXX in violation of the Fair Credit Reporting Act ( FCRA ). 

This account was opened XX/XX/XXXX, with a {$1000.00} balance and was charged off XX/XX/XXXX, with {$890.00} written off. Despite being closed in XXXX, TransUnion continues to report this account as derogatory since XXXX. This is materially inconsistent with both the actual closure date and the reporting by Experian and Equifax. Reporting a charge-off as an ongoing derogatory status is misleading because a charge-off is a one-time event, not a monthly occurrence. 

On XX/XX/XXXX, I disputed this account with TransUnion. Instead of completing the reinvestigation as required by the FCRA within 30 days, TransUnion returned the dispute result as unknown, which is a direct violation of their legal duty. This failure to investigate, combined with inconsistent and extended derogatory reporting, has caused ongoing damage to my credit and financial hardship.

Additionally, I experienced financial hardship due to COVID-19. Under the CARES Act, I should have received reporting accommodations, which were ignored.

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 2025-09-06 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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

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 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Dear American Express, I respectfully request reconsideration of my status and removal from any internal blacklist so I may again become an American Express cardmember. 
From XX/XX/XXXX until XX/XX/XXXX, I was a loyal American Express member with no issues or delinquencies. Unfortunately, in XXXX my identity was compromised, and fraudulent activity occurred on several of my accountsincluding but not limited to my American Express accounts. 

As a result of this identity theft, my cards were canceled in XX/XX/XXXX despite my previously unblemished history. 
Although I did not cause these debts, I accepted responsibility in court and resolved them. Specifically, I entered intoand have paidthe obligations pursuant to a Stipulation for Conditional Entry of Judgment under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

American Expresss XXXX XXXX, XXXX correspondence also references the related litigation That stipulation explicitly incorporated a waiver under XXXX XXXX XXXX XXXX, confirming that the matter was fully and finally resolved, including any unknown claims. This reinforces that the prior disputes with American Express have been legally settled and XXXX. 
Federal law also recognizes protections for identity-theft victims. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including its identity-theft provisions, ensures fair treatment in credit reporting and consumer use of financial information. In light of these principlesand given that I repaid obligations that arose from identity theftI am asking for a fair evaluation of my eligibility for reinstatement. 
Since resolving the matter, I have worked diligently to restore and maintain an excellent credit profile. I am attaching my most recent credit reports, which reflect a clean history and perfect payment performance since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Block, Inc.
State: MI

Complaint narrative:
my past encounter relationship stole my identity and had been using it for quite a while, Everything has been reported and on file but my protection is low because identity still somehow is either blocked or being used from me using it, due to an account already being opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
The collection account from [ The Bureaus Inc ] is reporting an inaccurate balance. The original balance is listed as {$1000.00} while the current balance is reported as {$1000.00}. Under FCRA 15 U.S.C. 1681e ( b ), you are required to ensure maximum possible accuracy. This discrepancy makes the account inaccurate and unreliable. Since the furnisher can not ensure accuracy, I am requesting deletion of this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only selected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Complaint Regarding Inaccurate and Inconsistent Credit Reporting : Dear Sir/Madam, I am writing to file a formal complaint regarding inconsistent and inaccurate reporting of late payments across my XXXX XXXX XXXX XXXX credit files. These discrepancies create conflicting credit profiles, which unfairly harm my creditworthiness. 

Inconsistent Accounts : XXXX XXXX ( Closed XXXX ) XXXX : 1 late payment Paid in settlement XXXX : 1 late payment Settlement accepted XXXX  : XXXX late payment Settled less than full balance All XXXX  report a late payment, but each uses different language and status. 

XXXX XXXX XXXX XXXX ( Closed XXXX ) XXXX XXXX XXXXXXXX, {$2700.00} past due with full late-payment history XXXX  : Charge-off, {$2700.00} past due but missing history Same account, but incomplete reporting in XXXX. 

Capital One ( Closed XXXX ) XXXX : Charge-off, {$520.00} written off XXXX  : XXXX, {$0.00} balance, marked paid XXXX  : Payment after XXXX, {$0.00} balance XXXX different outcomes for the same account. 

XXXX Card ( Closed XXXX ) XXXX  : Charge-off, {$3000.00} written off XXXX  : XXXX, {$0.00} balance, marked paid XXXX  : Payment after XXXX, {$0.00} balance Again, inconsistent statuses and language. 

XXXX  Collection ( {$520.00}, Opened XXXX ) XXXX  : Collection account, {$520.00} past due XXXX  : Collection account, unpaid {$520.00} XXXX  : Placed for collection, {$520.00} Same debt, but XXXX different descriptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: CA

Complaint narrative:
I refinanced my federal student loans with XXXX, not knowing that I was going to become XXXX. I am now permanently XXXX, currently receiving XXXX benefits, unable to work on a regular basis, and recently underwent XXXX XXXX and XXXX  XXXX which has left me with XXXX XXXX XXXX XXXX XXXX. I submitted a hardship application and medical documentation for Total and Permanent Disability review, but XXXX denied my requests. My monthly payment is nearly {$1800.00}, which I can not afford. This puts me at risk of financial collapse and inability to pay for essential medical needs. I have provided proof of XXXX via medical records as well as proof of XXXX benefits. My TPD request was denied based on last years tax returns but my health status and ability to work have drastically changed this year. I am requesting that XXXX reconsider my XXXX discharge request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
A collection account from Absolute Recovery Services for {$1900.00} is being reported on my credit report.

This is inaccurate. According to the official ledger from the original creditor ( XXXX XXXX XXXX XXXX  ), my move-out balance was {$0.00} ( proof attached ). 

Despite this, the collection agency continues to report a balance I do not owe, and XXXX  marked it as verified. 

I am requesting that this account be removed from my credit reports immediately because it is false, unvalidated, and violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management Inc is reporting a collection on my account from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$620.00}. I never applied for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: Chime Financial Inc
State: AR

Complaint narrative:
An online merchant from XXXX, named XXXX XXXX, charged my Chime debit card {$160.00} on XX/XX/year> for an online order that I never received. I filed a dispute with chime, and proof of tracking number that was never delivered via XXXX. Chime immediately denied my dispute with no due process investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Recently I looked at a copy of my crditos report and noticed several inaccuracies on my account. This account is hurting my ability to obtain crditos it is my understanding that you will investigate these tems for me to ensure accurate. 

Here is the tem I am asking you to verify as accurate. 

Company Name : XXXX Account Numbers : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: HI

Complaint narrative:
Cash App offered a {$10.00} credit on any purchase made anywhere, as long as the offer was activated and active on the card. I opened the app, which showed the offer was active, then made a purchase on XXXX ( XX/XX/year> ) for {$10.00}. The payment processed, however Cashapp did not apply the credit and then it disappeared from my account. 

When " speaking '' to the chatbot, I specifically clarified that the offer was active on the card, however the chatbot stated that despite making the submission correctly, that the account reported " no offers had been activated '' and then refused to provide additional opportunities to get assistance. Multiple times it said " you did everything correct but we can't and won't help you, sorry '' and tehre is no other way to dispute this in the system.

Company response to consumer: Closed with explanation