vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/year>, I signed a {$22000.00} installment contract with XXXX XXXX XXXX after a high-pressure, four-hour sales meeting. I paid {$5000.00} that same day as the first installment, consistent with the terms of the written contract. That evening, I immediately emailed to cancel the contract. No matchmaking or coaching services were ever provided. In that email, I mistakenly referred to the payment as a deposit rather than an installment. 

On XX/XX/year>, the company confirmed that my remaining {$17000.00} balance would be canceled, showing that the contract was cancelable. However, the company later reversed course, refused to return my {$5000.00} installment, and sent an XX/XX/year>, denial letter claiming the contract was non-cancelable upon execution. 

I disputed the charge with Capital One. Their XX/XX/year>, letter gave me until XX/XX/XXXX to submit supporting documents, which I did on XX/XX/XXXX. That same day, I spoke with a Capital One representative who placed a merchant hold and issued me a new card to prevent additional charges, acknowledging that no further amounts should be rendered since I had canceled and no services were provided. However, when I requested to speak with a manager to escalate the dispute, my request was not properly escalated. I was told only that a decision had already been made by an analyst and that no further review was possible. 

Later, another representative named XXXX ( employee ID XXXX ) incorrectly told me that I would need to contact Visa directly to dispute the charge. This statement was inaccurate and misleading, as consumers can not dispute charges directly with XXXX. Only the issuing bank can process disputes under the Fair Credit Billing Act. 

The representative I spoke with on XX/XX/XXXX stated that no additional charges would occur since I was not receiving services, but this was incorrect. The merchant later attempted to collect on the same disputed amount even though no services were rendered. Because Capital One failed to reverse or suspend the {$5000.00} dispute, I was charged interest and related fees on that amount for approximately XXXX months, causing additional financial harm. 

On XX/XX/year>, I received a collection letter from The Matchmaking Company, signed by their in-house counsel, XXXX XXXX XXXX demanding payment for the remaining balance. The timing and tone of the letter appeared intended to intimidate me into paying for services never rendered, even though I canceled the same day. 

Capital One mishandled my dispute by failing to properly investigate, escalate, and protect me from ongoing collection activity. I was also given inaccurate information about my rights and directed to contact the wrong entity, which prevented a fair resolution and violates the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NC

Complaint narrative:
I am sending to formally dispute several items currently being reported on my credit file that are inaccurate, incomplete, or unverifiable. The presence of these entries has caused harm to my creditworthiness and does not accurately represent my credit history. As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to have these matters reinvestigated. Each item below contains serious reporting errors, and I respectfully request that all unverifiable information be permanently deleted from my credit file in accordance with federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1100.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$540.00} XXXX XXXX Original Creditor XXXX XXXX XXXX  Balance Owed : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$370.00} 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 non-monetary relief
Consumer complaint received 2025-11-11 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:
No third-party company is involved so please dont respond with a stall letter or a generic reply. This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law. 

I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of XXXX years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing. 

15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within XXXX business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 

Fraudulent Accounts & Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account 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 non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am submitting this email as a formal written dispute regarding the remaining balance on my auto loan opened XX/XX/XXXX, for my XXXX XXXX XXXX, financed through Ally Financial. 

I contacted Ally customer service on XX/XX/XXXX, to discuss concerns about my account and requested to speak with a supervisor regarding my loan contract. I was told that someone would return my call, but I have not received any callback or written response. I finally received a copy of my loan contract this week and have now reviewed it carefully. 

The contract shows an original cash price of {$19000.00} and a total amount financed of {$23000.00} at an interest rate of XXXX percent, with finance charges totaling {$11000.00}. To date, I have paid over {$30000.00} toward this loan, yet Ally still reports an outstanding balance of approximately {$6700.00}. I was never informed that I would also be charged an additional {$2.00} per day, which makes it feel as though this loan will never be fully paid off. 

At the time of purchase, I was pressured into signing for unnecessary add-ons, including a Smart Auto Care service warranty costing {$2800.00}, along with other items that were not clearly explained. These add-ons, combined with the high interest rate and total finance charges, have made this loan predatory and discriminatory in nature. As a XXXX male borrower, I believe I was unfairly targeted with a subprime structure that inflated the true cost of the vehicle. 

Accordingly, I am requesting that Ally : Provide a complete payment history and amortization schedule, showing how each payment has been applied to principal, interest, and fees. 

Identify all add-on products and warranties that were financed and confirm whether interest was charged on those amounts. 

Conduct a formal balance review and correction. 

As a fair resolution, I am requesting that Ally refund any amount I have paid over the total financed amount of {$23000.00} and forgive the remaining balance, since I have already repaid far more than the financed amount and the charges are excessive. 

Suspend any collection efforts or negative credit reporting while this dispute is under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
2 charges were made to my Barclay Card US credit card for {$86.00} on XX/XX/XXXX and XX/XX/XXXX by a company called " Just Answer ''. I contacted Just Answer and was told that my membership expired on XX/XX/XXXX. I forwarded that information to Barclay Card US, but was informed that my information regarding the " non-charge, '' was not sufficient and the charge stands. The case number for my complaint to Barclays is : 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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. LEXISNEXIS clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy Filing No. Bankruptcy - XXXX Bankruptcy - XXXX Bankruptcy - XXXX. If LEXISNEXIS can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

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 2025-11-11 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: FL

Complaint narrative:
I never opened this account, and its presence on my report is inaccurate.

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 2025-11-11 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: FL

Complaint narrative:
I never opened this account, and its presence on my report is inaccurate.

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 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX c/o resurgent capital services, LP is willingly knowingly committing fraud, due to fact debt was paid and they knew about it when paperwork was sent. Bought debt then sent my personal information to another debt collection agency they work with or XXXX in different name as well ( XXXX companies ) XXXX XXXX XXXX, XXXX XXXX SERVICES Then stated XXXX XXXX XXXX c/o resurgent capital services, XXXX took debt back when credit XXXX sent out paid debt receXXXX XXXX XXXX XXXXXXXX c/o resurgent capital services, LP is still trying to collect debt I DO NOT OWE. 15 usc 1681 b ( a ) 2, 15 usc 1681 e ( b ), 15 usc 1692 c, 15 usc 1692 g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I paid XXXX Apartments move-out charges in full ( {$4400.00} ) on XX/XX/XXXX via XXXX ( Payment Reference : XXXX - Debit ). XXXX then closed my XXXX account showing XXXX balance upon receipt of payment. No further communication from XXXX about additional charges was received after all move out charges were paid in full. 

In XX/XX/XXXX, XXXX XXXX XXXX ( XXXX ) tried to collect an additional {$1300.00} for XXXX ( XXXX Account # XXXX ). I disputed with comprehensive documentation proving I had paid in full. XXXX never responded and completely stopped all contact for over 2 years ( XX/XX/XXXX- XX/XX/XXXX ). XXXX 's abandonment proves they could not validate the alleged debt. 

In XX/XX/XXXX, Columbia Debt Recovery LLC dba Genesis purchased this same invalid debt and opened Account # XXXX for the exact same {$1300.00}. Genesis made an initial contact on September 2, 2025. 

On XX/XX/XXXX, I disputed with Genesis ( Dispute # XXXX ), providing the same comprehensive documentation provided to XXXX years earlier. Genesis confirmed receipt of my dispute but has never responded or provided any validation. 

After my XX/XX/XXXX dispute was filed, Genesis reported the account to credit bureaus, violating the Fair Credit Reporting Act by reporting disputed information without validation. My credit score dropped XXXX points. 

VIOLATIONS : - FCRA XXXX ( a ) ( XXXX ) : Reported disputed debt without investigation or validation - FDCPA XXXX : Failed to respond to validation request - FDCPA XXXX : Attempting to collect debt not owed ( paid in full XX/XX/XXXX ) TIMELINE : - XX/XX/XXXX : Paid TAMBALEO {$4400.00} in full - XX/XX/XXXX : XXXX contacts XXXX : additional {$1300.00} - XX/XX/XXXX : Disputed with XXXX, XXXX proof of payment - XX/XX/XXXX- XX/XX/XXXX : XXXX complete XXXX ( XXXX years, debt never validated ) - XX/XX/XXXX : Genesis contacts re : same {$1300.00} - XX/XX/XXXX : Disputed with XXXX ( Dispute # XXXX ) - After XX/XX/XXXX : XXXX reported to credit bureaus during active dispute - XX/XX/XXXX : Derogatory entries discovered, XXXX XXXX dropped XXXX points, no response from XXXX regarding the dispute ATTACHMENTS ( XXXX files ) : XXXX. XXXX - XXXX move out charges invoice, XXXX payment receipt, bank statement showing payment in full, XXXX, XXXX balance payment ledger, XXXX account closure confirmation XXXX. XXXX - XXXX collection letter, my XXXX written dispute correspondences to XXXX ( XXXX, XXXX, XX/XX/XXXX ) XXXX. XXXX - XXXX collection letter, my dispute to XXXX, XXXX receipt ( Dispute # XXXX ) XXXX. XXXX - Credit report excerpts from all three bureaus showing derogatory entries from XXXX XXXX. XXXX - Driver 's license and proof of address ( utility bill )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian was supposed to validate a debt by sending me a copy of the contract signed by me I had already contacted the company XXXX XXXX XXXX to provide proof that I owed a debt. I never received any response by mail, phone call, email or other. Experian was supposed to do a FULL investigation. I just as of today filed a dispute with Experian and the y already got back to me saying it would stay on my report. That IS NOT a full investigation with proof.

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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It May Concern, This is a follow-up regarding my complaint. Chase contacted me by phone shortly after the CFPB forwarded my case, but since that call no action has been taken and I have not received any update, documentation, or explanation. 

I want to restate the core issues clearly : My deposited check was held for over XXXX months with no legal justification under Regulation CC. 
I repeatedly visited and called the bank and was given no information, no paperwork, and was even hung up on. 
During this time I suffered significant embarrassment, financial hardship, and disruption to my family obligations, including my sons birthday. 
After the prolonged and unlawful hold, Chase closed my account without explanation or written notice.

I am a veteran, and the way this situation was handled caused unnecessary stress and hardship.

Chase advised me over the phone that they would look into the investigation, but it has been days and there has been no movement, no follow-up, and no resolution. 

I respectfully request a formal update, documentation explaining the prolonged hold and account closure, and a timely resolution to this matter. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: CA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-11-11 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: AZ

Complaint narrative:
Received a collection letter from Midland Credit Management dated XX/XX/year> for account XXXX. I dispute the validity of this debt and requested validation under the FDCPA on XX/XX/year>. I request that Midland provide proof of the debt or remove any negative reporting from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation