vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: CT

Complaint narrative:
Less than a week before the temporary registration expired it was discovered that I had a XXXX XXXX XXXX tax bill from XXXX that I had no record of. XXXX stated they didnt have my new address to send the bill to. 
I paid the bill immediately sent the information back to Carvana ; they resubmitted paperwork. Not once at anytime did antone ever use the words title only registration ; first I heard those words was in only an e-mail received less than a week ago saying that Ive been switched to title only and I have to take care of the registration myself. 
I paid Carvana to register my car. 
If i go into my carvanna app theres a message saying your registration its complete your plates and your papers are on the way. 
I call Carvana to find out which is which ; they tell me '' oh thats a mistake its just set up to auto send that you actually have to go down and register your vehicle because now its title only and theres nothing we can do to fix that. " obviously I was upset. I paid Carvana to register my car. now I have to lose time from work and lose money to go register a car I paid them to do. 
as soon as I hang up the phone with carvanna I get an e-mail saying '' ohh guess what we were unable to register your car because you never sent us some documentation '' ; so I called Carvana back and they say I dont know why you got that email thats something thats automatically gets sent out but you are titled only theres nothing we can do about it. 
well now I have to lose time from work and lose money ; nobody ever mentioned the words title only ; when I told the Carvana executive resolution specialist that he just gets quiet and doesnt say anything ; I dont want this experience to happen to anybody else. 
The experience with Carvana has been a series of misinformation and conflicting statements. 
To that point, referencing the email received XX/XX/year> stating that I had to register my car, the email states Carvana will refund any fees I have to pay.

When I just spoke with the executive resolution specialist today he told me that any registration fees would be applied to the loan balance. This conflicts with the email received today. Another example of mis communication and conflicting statements from Carvana. 
Ive had nothing but XXXX confusing conflicting conversation after another with Carvana I want to make sure this does not happen to anybody else.

I want carvanna to keep their word and finish the registration with the dmv.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
I have placed a billing dispute on XXXX purchased that I made with XXXX vendor XXXX XXXX. XXXX purchase in the amount of {$140.00} and the other purchase in the amount of {$290.00}. I have provided evidence showing that I returned the items to the vendor and evidence showing that the vendor claimed to have lost the items. The card company has allowed the vendor to make responses after the 90 day dispute period and the card company has claimed that they have not received the information I have sent to them multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
I was served by an attorney ( XXXX XXXX ) on behalf of a debt collector on XX/XX/year>. After service, I promptly requested an itemized statement of the debt on XX/XX/year>. I was told it had been sent that day, but nothing ever arrived before payment was due. I was given XXXX days to pay to avoid the complaint being filed. 

Because I did not receive the itemization until after I had already paid and made a second request on XX/XX/year>, I had no meaningful chance to dispute or verify the debt as the FDCPA requires. I felt pressured into paying under the threat of litigation, and the balance I paid included attorneys fees that I had no chance to review or confirm beforehand. 

I believe this conduct violated the FDCPA by overshadowing my rights and using unfair collection practices. I am requesting reimbursement of the attorneys fees I was charged and review of this law firms practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I disputed the validity of the alleged account being reported. The XXXX XXXX XXXX says it meets requirements, however, that is not legally true per the law. 

To Whom It May Concern : This letter is in response to your continued attempts to collect and/or report a charged-off account. Please be advised that your actions violate both federal and Texas state law.

Texas Finance Code 392.301 ( a ) ( 8 ) prohibits a debt collector from threatening to take an action prohibited by law. Attempting to collect funds on a debt that has been previously charged off and potentially issued a Form 1099-C for cancellation of debt is an unlawful attempt to collect on an extinguished obligation.

Texas Finance Code 392.304 ( a ) ( 8 ) & ( 19 ) further prohibits misrepresenting the character, extent, or amount of a consumer debt or using any other false representation or deceptive means to collect a debt. Reporting or demanding payment on a charged-off account while simultaneously classifying it as closed or written-off constitutes misrepresentation and deception.

Texas Business & Commerce Code 20.06 & 20.07 provide consumers the right to demand accurate reporting and reinvestigation. Continuing to furnish inaccurate information to credit reporting agencies after notice of dispute creates liability for damages. 

If funds were collected after charge-off, this constitutes double recovery, which is unlawful under Texas law XXXX Once an account has been written off, the creditor has already recognized the loss, and further collection activity without clear, lawful reassignment and verification is prohibited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I made a hotel reservation at Citi XXXX for " XXXX XXXX XXXX ''. I was charged in the amount of {$530.00} on XX/XX/year>. XXXX XXXX XXXX charged me again on XX/XX/XXXX in the amount of {$580.00}. 

After filing a dispute in the amount of {$580.00} with Citi Bank, I only received a credit of {$530.00}. I emailed and called the dispute department of Citi Bank for the difference but receiving no results. 

Please see the attached statements and a copy of email and phone records. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-09-30 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: CA

Complaint narrative:
Bank errors in billing and reporting are unfairly damaging my credit. Under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately record payments and credits, yet several violations are evident. Payments I made were not properly credited, clear miscalculations exist in the reported balances, and I was not provided the mandatory 21-day notice before a payment was due. As a result, any late payment notations are invalid. These errors represent both a violation of federal law and a serious misrepresentation of my credit history.

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 2025-09-30 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On multiple occasions I requested proper validation and documentation from XXXXXXXX XXXX  regarding an alleged account reported on my credit report. Instead of providing the requested validation, XXXX sold or transferred the account to third-party debt collectors without addressing my disputes.

Despite my written disputes and requests for verification, XXXX failed to provide the original contract, itemized statements, or proof of ownership at the time of reporting. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as they continued to allow inaccurate and unverified information to be furnished to credit bureaus. 
This has caused significant harm to my credit reputation and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
They have closed all of my accounts! Before that they kept decreasing my limits. But yet they want XXXX for a mattress I already paid for!!! They have ruined my credit report and everything I work hard for. I have paid my bills like I am supposed too but no one can explain why this is happening except maybe credit score and they are the ones bringing down the credit score!!! Please warn people this company hurts you not helps you! This is ridiculous how do you come back from this??? I pay my bills on time all the time!!!! Theyve closed all of my accounts why should I even pay them? Very upset customer. Will make sure to NEVER GET ANYTHING THROUGH THEM AGAIN AND AM WARNING OTHERS. This 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 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Issue : Zelle account access / restricted phone number Details : I am unable to use my phone number with Zelle despite no longer having an account with my previous bank. 

In XXXX, I used Zelle through my account with XXXX XXXX XXXX ( XXXX ). I later closed that account. Recently, I attempted to set up Zelle with my XXXX XXXX account. However, I was informed by XXXX XXXX that my phone number is restricted by Zelle and can not be used. 

I contacted XXXX, and they stated they have no record or token of my phone number tied to Zelle. I contacted Zelle directly, and they told me they can not unrestrict my number. XXXX XXXX confirmed the restriction but also said they can not fix it. 

As a result, my phone number remains blocked from using Zelle, and none of the institutions involved will take responsibility for correcting the issue. This is preventing me from accessing a widely used payment system that is supposed to be available through my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I have submitted a request from XXXX department for the following and it has not been answered in over XXXX  days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Sc XXXX XX/XX/year> PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX ) XXXX Subject : Request for Information Regarding Debt Claim To Whom It May Concern, I am writing to formally request information regarding the debt claim that has been reported on my credit report. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, I am entitled to request detailed information about the debt that your company claims I owe. 

Re : XXXX XXXX Original account :? 
XXXX Number : XXXX Alleged Debt owed : {$3200.00} I would appreciate it if you could provide me with the following information : XXXX. * * Verification of the Debt : * * A detailed statement that verifies the debt, including the original creditor 's name and address. 
XXXX. * * Documentation : * * Copies of all relevant documentation, including but not limited to the original signed contract or agreement and any account statements. 
XXXX. * * Payment History : * * An itemized statement of all transactions related to this account, including any payments received, fees added, or adjustments made. 
XXXX. * * Collection Practices : * * The name and address of any previous creditor, if applicable, and confirmation of the last payment made on the account. 
XXXX. Personal or Business Account : * * Specify whether this is a personal or business account and reason for reporting to personal account * * Please provide the requested information within XXXX  days of receiving this letter. If you are unable to verify this debt, you must inform the credit reporting agencies to remove it from my credit report. 

Thank you for your attention to this matter. I look forward to receiving your prompt response. 
I will use this information that you send to forward to the associated federal and state agencies for further review to vent my rights for consumer fraud and protection. I have already filed a letter of complaint with the state and federal applicable agencies for my personal protection from fraud and consumer protection. 

Sincerely, Best Regards, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: NJ

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-09-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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

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 2025-09-30 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation