vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Celentano, Stadtmauer & Walentowicz, LLP
State: MD

Complaint narrative:
I am filing a complaint regarding ADTs improper billing practices, failure to provide billing notice, and an attempted collection on a balance that was never invoiced or communicated to me. 

XXXX failed to send invoices or billing notices for services. I was never informed of any amount due, any payment failure, or any acceleration of charges. Without any written communication, XXXX placed the balance into internal collections. 

XXXX is now claiming that because I removed autopay, the full balance automatically became due and payable without notice. They further claimed they do not send invoices under their terms. Posting invoices on a website without notification does not satisfy federal billing notice requirements. 

XXXX attempted to tie resolution to mandatory reinstatement of autopay, which is improper and coercive. 

Key issues : Failure to provide billing statements or notice of charges. 

Improper acceleration of a balance without written notice. 

Attempted collection activity without disclosure or invoicing. 

Misleading statements that autopay is required under their contract. 

Pressure to reinstate autopay in order to discuss or resolve the matter. 

XXXX into internal collections without legally required notice. 

XXXX has refused to remove the disputed balance and has stated they will only provide a resolution once they receive documentation from a regulatory agency. 

This complaint concerns XXXX XXXX however, the system has automatically mapped XXXX  internal collections to Celentano , Stadtmauer & Walentowicz , LLP. All actions described in this complaint were taken by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NC

Complaint narrative:
I am filing a dispute for the following accounts that I believe contain inaccuracies and require investigation. 

Charged Off Accounts : XXXX XXXX  XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$3000.00} The reported balance is incorrect, and I request that it be reviewed for accuracy. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} The reported balance is incorrect, and I request that it be reviewed for accuracy. 

Inquiries : XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX/ XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Positive Accounts : XXXX OF XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Late Payments : XXXX Account Number : 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 2025-11-14 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 dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$3100.00} XXXX  XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$50.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$240.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$770.00} XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$1300.00} XXXX  XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$1500.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$260.00} Inquiries : XXXX  Date : XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX Date XXXX XX/XX/XXXX Late Payments : XXXX Account Number : 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 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year> I filed a debit card dispute with Navy Federal Credit Union for a charge of {$490.00} from XXXX. I intended to make a purchase for {$4.00}, but the merchant processed a charge for {$490.00}, which was not the amount I authorized or intended. 

Under Regulation E ( 12 CFR 1005.11 ), the bank has XXXX business days to either complete its investigation or provide provisional credit. As of today, it has been more than XXXX business days, and Navy Federal has : Not completed the investigation Not provided provisional credit Not provided required updates or documentation This is a violation of Regulation E timelines.

I have requested clarification and documentation from the bank, and I have not received a proper response. 

I am requesting that Navy Federal : XXXX. Provide the required provisional credit XXXX. Reopen or properly conduct the investigation XXXX. Provide all documentation used in their decision XXXX. Correct the unauthorized or incorrect amount charged Because the merchant charged an amount far higher than what I intended to authorize, I am disputing the accuracy of the transaction and XXXX failure to follow the required federal procedures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
During an international cruise, I purchased a piece of jewelry that turned out to be fraudulent. Despite being assured that my Chase credit card would protect me in such situations, this has not been the case. Chase responded that since I did not return the ring they will not reverse the charges. I made it clear that we do not have any contact information for the merchant to return the ring - no phone number or address. 

DISPUTE : I am disputing a credit card charge in the amount of {$1100.00}, posted to my account on XX/XX/year>, for a jewelry purchase made at a store called XXXX located in the XXXX XXXX, XXXX cruise port. 

On that date, I visited the store and was shown a gold and tanzanite ring which the sales staff represented as XXXX gold with a XXXX tanzanite stone. After negotiating, I agreed to pay {$100.00} in cash and {$1100.00} via credit card. I was told the ring needed to be resized and would be ready later that day. 

When I returned, the ring was delivered to me without any paperwork, receipt, or certificate, despite being told that documentation would be emailed to me. I provided my email address at the time of purchase, but no documentation was ever received. 

Within XXXX hours of leaving the port, I noticed the ring turning XXXX. Upon returning home, I immediately called Chase and disputed the charge as fraudulent. I explained the situation that I was out of the country and could not return to the store. In fact, I had XXXX separate conversations with the dispute department having to re-explain the same situation in which I was told they would document. After my dispute was dismissed, I brought the ring to a certified gemologist for appraisal. The appraisal confirmed that the ring is not gold and the stone is not tanzanite meaning the item was misrepresented and fraudulent. 

I submitted these appraisal documents as part of my second dispute, but the claim was again denied. The merchandise was misrepresented, no paperwork was provided, and the product is not as described I respectfully request that the {$1100.00} charge be removed from my account and that a full review be conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because Experian is reporting XXXX negative items that I have disputed for months : XXXX  XXXX ( XXXX Late Payment ), XXXX XXXX ( XXXX Late Payment ), and XXXX  ( XXXX Collection ). Experian has failed to conduct a lawful reinvestigation under FCRA 611 ( a ) and continues to send me stall responses instead of actual verification. Let me be clear : I never received ANY verification from Experian or the furnishers. Since Experian does not seem to understand what verification legally requires, I am listing it. For a late payment, Experian must obtain the original signed agreement, every billing statement, the complete payment history ledger, timestamps showing when payments were received, the exact XXXX, and XXXX compliant payment coding. I have never received bank statement confirmations from XXXX XXXX or XXXX to prove when they received my payments, which means Experian is reporting hearsay, not verified data. Verified through e-OSCAR is not verification under the FCRA. For the XXXX collection account, Experian must obtain : the original contract, itemized statements, full account ledger, complete breakdown of charges, proof of assignment, and the full chain of title all required under FDCPA 1692g ( b ) and FCRA 623 ( b ). I have never received a single document, and I never received the initial written notice required under FDCPA 1692g ( a ). Instead of verifying anything, Experian continues to send me fraudulent stall tactics including : copies of my own credit report, fraud alerts I did not request, statements claiming I am working with a credit repair company, and identity theft claims I never made. None of that is verification. Experian is required to complete a reinvestigation within 30 days under FCRA 611 ( a ) ( 1 ) ( A ) ( 45 days only if I supply additional documentation, which I did not ), and Experian is now far outside that statutory period. Under FCRA 611 ( a ) ( 5 ) ( A ), any information that can not be verified must be deleted, and for the collection account, failure to validate under FDCPA 1692g ( b ) legally prohibits Experian from continuing to furnish it. Transmitting unverifiable data to my credit file violates FCRA 602 ( A ), 607 ( b ), and 623 ( a ) ( 1 ) ( A ). Experian has not verified the two late payments nor the POSSIBLEFINA collection, and therefore the law mandates deletion.

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 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: WA

Complaint narrative:
On XX/XX/year> an ACH payment was made to The XXXX XXXX in the amount of {$920.00} from my personal bank account. I reported it to my bank, XXXX. XXXX did an investigation and discovered that it was fraudulent and credited the money back to my account. I have since received a notice from a collections agency XXXX. I have filled out forms and attached documentation from XXXX that the withdrawal was fraudulent and sent it to XXXX. They will not accept the documentation and asked for an affidavit. XXXX XXXX  does not provide an affidavit. I have tried to reach The XXXX XXXX to resolve the issue but they do not seem to have any understanding of what is going on.

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 2025-11-14 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:
Dear Sir/Madam, I am submitting this dispute for several items on my TransUnion credit report. The charged-off accounts and inquiries listed below require correction due to reporting errors, which I believe violate the FCRA. 

Charged-Off Accounts : ( Format as in XXXX, continue with all listed accounts ) Inquiries XXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX  Date : XX/XX/year>

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 2025-11-14 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:
Dear Sir/Madam, I am submitting this complaint regarding the following accounts and inquiries on my credit report. These accounts contain errors or inaccuracies that I am disputing, and I respectfully request that they be investigated and corrected. 

Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7900.00} Late Payments XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am filing this rebuttal because PayPals response to my original complaint is incomplete, inaccurate, and does not resolve the issue.

I did not authorize the two transactions on XX/XX/year>, for {$460.00} to XXXX XXXX XXXX and {$730.00} to XXXX XXXX XXXX XXXX. I have never purchased anything from these companies. I have not traveled to XXXX or made any trips to XXXX or the XXXX. These transactions are completely inconsistent with my normal account activity.

PayPal claims that the transactions were authorized because login activity remained consistent, but this is not valid proof that I made the purchases. Account takeover fraud can occur even when the IP address appears similar, especially if the attacker gains access through saved credentials, malware, session hijacking, or device spoofing. PayPal did not provide any evidence showing that the device, location, or identity was mine at the moment the transactions occurred.

PayPal did not provide : Device ID or device fingerprint used for the transactions Geolocation data of the login session IP ownership or carrier verification Confirmation of multi-factor authentication usage Any indication that I personally benefited from the purchases Instead, PayPal simply assumed authorization without conducting a proper fraud investigation.

Further, PayPal states that my account was flagged as high risk and immediately limited for possible compromise. This contradicts their claim that the account was secure and that the transactions were authorized by me. If the account was considered high-risk and potentially compromised, then the transactions should not be assumed to be legitimate. 

PayPal also incorrectly states that I filed a chargeback for only one of the two unauthorized payments, although both were unauthorized. My bank is still reviewing the chargeback, and the outcome is pending.

PayPal is using the existence of a pending chargeback to refuse to take responsibility instead of acknowledging the clear evidence that the transactions do not match my behavior, travel history, or spending patterns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: SC

Complaint narrative:
I am writing to formally dispute the following accounts that appear to be inaccurately reported on my credit file with Equifax. The information provided by Equifax does not reflect accurate data, and I request a comprehensive investigation into these discrepancies. 

Charged Off Accounts : XXXX : Account number XXXX, opened on XX/XX/XXXX, balance of {$340.00}. This account is incorrectly reported and must be reviewed for accuracy. 

XXXX  : Account number XXXX, opened on XX/XX/XXXX, balance of {$410.00}. The account status and balance do not reflect the correct reporting. 

XXXX XXXX XXXX : Account number XXXX, opened on XX/XX/XXXX, balance of {$3400.00}. There is an error in the way this account is reported on my credit file. 

XXXX XXXX : Account number XXXX, opened on XX/XX/XXXX, balance of {$120.00}. This account is inaccurately reported, and I request that it be investigated. 

XXXX : Account number XXXX, opened on XX/XX/XXXX, balance of {$1000.00}. The reporting for this account is incorrect and should be corrected. 

Inquiries : XXXX : Inquiry on XX/XX/XXXX, which I did not authorize. 

XXXX XXXX Inquiry on XX/XX/XXXX, which I do not recognize. 

XXXX : Inquiry on XX/XX/XXXX, which I do not recall authorizing. 

XXXX : Inquiry on XX/XX/XXXX, which was unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute certain information on my credit report that i believe is the result of a data breach and identity theft. In accordance with 15 U.S.C. 1681c-2, I am formally requesting that the credit reporting agency investigate and block any fraudulent information related to this breach. This information may have been generated as a result of a data breach, in which my personal information was compromised. I did not authorize the creation of this accounts or any associated transactions. I request that these items be blocked from my credit report in accordance with 15 U.S.C. 1681c-2, Which requires the blocking of fraudulent information resulting from identity theft or a data breach. I request that you block this information from my credit report, and kindly confirm in writing when the action has been completed. I understand that under the fair credit reporting act, you are required to complete your investigation and respond within 30 days. Thank you for your attention to this matter. 


PLEASE REMOVE ALL FRAUDULENT ITEMS OFF MY CREDIT 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 2025-11-14 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: SC

Complaint narrative:
I am disputing the following charged-off accounts, inquiries, and late payments on my Experian credit report. These items may contain inaccuracies or incomplete information, and I request that they be reviewed and corrected accordingly. 

Charged Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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