vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Sparrow Financial, Inc.
State: CT

Complaint narrative:
As of XX/XX/year>, I have completed all required payments under my arrangement with XXXX XXXX, XXXX, the company that purchased my former Sparrow account. 

This account was charged off by Sparrow in XX/XX/year> and sold to XXXX XXXX, XXXX on or about XX/XX/year>. I sent Sparrow a written request on XX/XX/year> for a full copy of my billing statements and transaction history. When no response was received, I mailed a second notice by certified mail on XX/XX/year>, which was delivered on XX/XX/year>, according to XXXX tracking. 

To date, Sparrow has not provided any documentation or explanation. I also made the same written requests to XXXX XXXX, XXXX, and they too have failed to provide any documentation or account history. Because neither company has supplied records, I can not verify the accuracy of the information Sparrow reported or confirm that the balance was properly transferred and satisfied. Sparrow continues to report a closed tradeline with a XXXX balance, but without supporting documentation, I have no way to confirm that this information is complete or accurate. 

Sparrows continued failure to provide account records and supporting documentation violates consumer-protection obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), which require creditors and furnishers to maintain accurate, verifiable records and to provide them upon written request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
Each year my school misconduct form keep being rejected by Mohela claimed that dont qualified for discharge loans. Im question the legitimacy of there reasoning and the programs itself. My student loans originated under XXXX XXXXXXXX XXXX XXXXXXXX which discover as fraud and soon close down because so. Additionally discover sudden high spikes on debt in few short months of each other from XXXX to XXXX with no explanation, meaning it possibly they alter my debt just to keep me paying. Theyre many suspicious and malicious activities occurring with my account which I dont agree or nor approve. Mohela conducting fraudulent behavior or just misrepresentation of their own business promises. They deliver no detail outline of any transaction, this company does not believe transparency when dealing with my own account, unlike any other financial institution in this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I traded in a XXXX XXXX for a XXXX XXXX directly with the XXXX dealership. When I processed all the paperwork, XXXX paid off the balance on the XXXX XXXX to JP Morgan Chase Bank, but the negative equity was financed on my new contract with XXXX. XXXX gave me all my new vehicle purchase and trade in paperwork which stated that they agree to pay JP Morgan Chase the full balance on the XXXX XXXX that I traded in. The full amount is stated on my documents, and when I reached out to XXXX to verify that the full payment had been sent, they confirmed the amount. However, when I contacted JPMCB to explain that they had been sent the full payoff, they denied receiving the full payoff stating that I owe them a month of payment. JPMCB sent me a letter stating that they had received the full payoff quote after they released the vehicle title to XXXX. I am currently being charged penalized for a payment that XXXX did in fact authorize to JP Morgan Chase Bank. Now, I am wondering what JPMCB did with the money and why they claim that XXXX didn't payoff the vehicle in full even though XXXX has documentation that it did payoff the full amount. I believe 100 % that JPMCB made a clerical error and now I am being punished for their faults. Unfortunately, my credit has been affected because JPMCB has reported the payment as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: Chime Financial Inc
State: NJ

Complaint narrative:
I filed a dispute on a charge for Chime. They keep reopening it, the support team seems to understand I should not have to pay for the service, and then keep denying it. 

Dear Support Team. 
The reason I am disputing this transaction is that it was for a hotel stay I booked on behalf of a client. My client had already prepaid, using her XXXX XXXX card, for XXXX rooms for XXXX nights at the same property. Before her arrival, she decided to stay XXXX additional night in XXXX before joining the rest of her group at their next location, so I booked an extra night for her. 
Upon arrival, several serious issues occurred. The hotel arranged a boat transfer that I did not authorize and got into an argument with the company operating the correct, prepaid boat that I had arranged. The hotel then incorrectly told my client that she needed to pay for the unauthorized boat. 
When I spoke with the hotel manager to resolve the issue, the conversation became extremely unprofessional. The manager raised their voice, made false statements, and began harassing my client and her guests. The situation became so uncomfortable that my client decided to leave early and did not use the additional night that was booked. I then had to secure alternate accommodations for her on very short notice. 
This dispute is only for the unused night my client is not disputing payment for the night she actually stayed. 
I have attached supporting documentation, including unprofessional emails from the hotel manager and text messages from the guests describing how uncomfortable they felt and their decision to leave early. I sincerely wish I had recorded the phone call so you could fully understand how unfortunate and inappropriate the interaction was. 
Additionally, I received an email from Chime Support on XX/XX/XXXX stating that the dispute had been settled and that there was a merchant debit related to this transaction. Based on that communication, I believed the issue was resolved. Im therefore confused as to why, as of yesterday, the dispute now shows as denied again. 
I have booked thousands of hotel stays in my career and have never encountered a situation like this before. 
Thank you for your understanding and attention to this matter. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I discovered a charge-off account on my credit report that I believe is inaccurate and incomplete. Since noticing this, I have submitted multiple formal disputes to both the creditor/furnisher and the credit reporting agencies, requesting a thorough investigation and validation of the debt. Despite these repeated efforts, the creditor has failed to provide any substantive verification, such as the original signed contract, detailed payment history, or evidence that the debt is valid and belongs to me. 
Instead, I have only received generic or stall responses that do not address the specific issues I raised. The inaccurate charge-off status, incorrect balances, and inconsistent reporting continue to appear on my credit report, which is negatively impacting my credit score and financial opportunities. This ongoing failure to investigate and correct the errors violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws.

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 2025-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am filing this complaint because a collection company is reporting a business debt on my personal credit report, which is inaccurate and damaging to my credit profile. 

The debt in question is tied to a business credit card that was opened solely for business purposes. It is not a personal account, and I did not authorize or guarantee it personally. Despite my written request to both the original creditor and the collection agency to remove this account from my personal credit report, the company refused to correct or delete the entry.

This reporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) because the information being furnished is inaccurate and misleading. It also may constitute a Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ) violation if the collector knowingly represented a business debt as a personal consumer obligation.

I am requesting that this account be immediately removed from my personal credit report and that the furnisher be investigated for improper reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 FRAUDULENT INQUIRIES : 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 2025-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have had this loan with Regional Acceptance for about 4 years and nothing has changed. I have ask for a lower payment and for them to reevaluate but they are not able to. They keep calling me back to back to back for example today is XX/XX/year> from XXXX to XXXX they have called me 4 times.... I am at work and unable to pick up my phone. This is a daily thing with them. I have made several attempts to make a payment plain but it doesn't seem to help. I still get harassed.

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 2025-10-29 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: GA

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. 
Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was a victim of fraud on XX/XX/year>. I received a phone call that appeared under the name Chase. They called to confirm if I had sent a XXXX payment to a person named XXXX for the amount of {$3000.00}. I said no, and they told me it was a fraud and that they needed to report it and transfer me to their fraud department. 

They transferred the call, and the person started telling me that I needed to protect my account because someone was trying to steal from me. They made me send approximately {$6000.00} to XXXX  to different emails and phone numbers through XXXX. I sent the money without realizing what was happening, from both my Chase and XXXX XXXX accounts. They call me differents days. 

I asked them if they could send me an email to confirm that they were really from the bank, and they sent me a very fake-looking email. At that moment, I realized it was a scam and immediately called Chase to report it, but they denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: LA

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. 
Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-29 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Complaint Text ( for the CFPB What happened box ) : Hello, On XX/XX/year>, Capital One charged me a {$95.00} annual fee, and on XX/XX/year>, enrolled me in a payment plan stating I could pay {$120.00} per month for three months to bring my account back into good standing. 

However, Capital One closed my account on XX/XX/XXXX ( letter attached ) without notice or consent. After closing the account, they continued to withdraw automatic payments of {$380.00} and {$120.00} from both the payment plan and autopay, and have refused to provide clear documentation or justification. 

On XX/XX/XXXX, I escalated the issue to a representative named XXXX, who stated the closure was due to returned funds or suspicious activity. I had only a few returned payments nothing that would justify permanent closure, especially after they accepted my payment plan. XXXX then claimed the payment plan was invalid. When I asked why they were still taking payments of {$120.00} and {$380.00}, she had no explanation. Additionally, no one informed me that autopay would continue alongside the payment plan, resulting in double withdrawals. 

I believe this violates good-faith business practices under the Fair Credit Billing Act and CARD Act, as well as basic consumer fairness standards. 

I am requesting : A refund of the {$95.00} annual fee. 

A written explanation of the account closure, including any alleged returned funds. 

Confirmation that this will not negatively affect my credit report. 

Written proof that all automatic payments have been stopped. 

I have contacted Capital Ones customer service multiple times without resolution. I am requesting the CFPBs assistance in obtaining a full review and formal written response from Capital Ones executive office. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: IN

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 2025-10-29 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I initiated a private arbitration proceeding against Midland, pursuant to the arbitration clause contained in the original contract. However, the XXXX XXXX XXXX ( XXXX ) closed my case because the company failed to comply with the terms and obligations required to move forward with arbitration. 

This conduct constitutes a breach of contract and a serious violation of consumer protection laws. By refusing to participate in the arbitration process they themselves required under the agreement, Midland has acted in bad faith and deprived me of my right to a fair resolution as outlined in the contract. 

Additionally, this behavior reflects a pattern of unfair and deceptive practices, violating the Federal Arbitration Act ( FAA ) and potentially the Fair Credit Reporting Act ( FCRA ) if the company continues to report inaccurate or disputed information to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: WY

Complaint narrative:
This is a follow-up complaint related to a previous CFPB case ( # XXXX ). 
On XX/XX/year>, I attempted to withdraw {$800.00} from a U.S. Bank ATM, but the cash was never dispensed even though the amount was deducted from my account. 

The bank denied my claim and closed the case without providing any evidence that I received the money. They did not show ATM video footage or the transaction journal. 

I believe the investigation was incomplete and unfair. I respectfully request that the CFPB require U.S. Bank to provide verifiable proof or reopen the case for an independent review, as the funds were never delivered to me.

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