vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NV

Complaint narrative:
Dear XXXX Office, I am writing you this email because I have a serious problem. I filed a dispute with Chime on XX/XX/year>, Claim number # XXXX. I filed this around XXXX or XXXX o'clock at night and by morning it had been denied. This dispute consist of XXXX transactions totaling roughly {$590.00} I wan na a rebuttal on this Immediately upon finding out of the denial and less than an hour, it was denied again. This is now XXXX XXXX and I'm on my XXXX rebuttal. I have provided endless amounts of documentation to support my claim, such as police reports, emails from said merchant. which is the primary merchant in my dispute, location, proof, conversations just recently with said merchant about this dispute, In addition, despite ordering a card XXXX times. l also provided documentation in the form of screenshots from said merchant showing that attempts were made to get into my account by an IP address, matching mine but a different device, a desktop computer. My device is an XXXX. I submitted XXXX of these because it happened 2 times with merchant. And I did this to show that my phone had been hacked and stolen. I've begged and pleaded with the dispute department to please investigate my claim, however, they have not even issued charge back with the merchant in regards to this. Now I have other disputes that I had filed that go with this for lesser amounts in around {$100.00} each. Each one of these they filed for chargeback and each XXXX of these l was issued the provisional credits however, this one I have not. They're not even investigating it, they're just denying it without even looking into it. I'm assuming it's because of the amount. I'm XXXX and it's not like thisis-money for food or miscellaneous stuff and regardless just i had my money for ut was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with XXXX XXXX compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial well being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
Wednesday XXXX XXXX I was called by the company Radius global solutions on the basis that I owed XXXX XXXX XXXX money. The amount is XXXX $ and I am left confused cause my XXXX covered the amount. I get an agent on the line and they informed me that they charged me out of state tuition. In addition, they technically would owe me money as I was wrongfully charged out of state tuition. XXXX the help agent said a manager would call me but they never did. 

Thursday XXXX XXXX I called them back today, I spoke to the financial office and admissions. They both agreed that they had my ID on file and that they can't say for sure why the mix up occurred. They said since it was in fall of XXXX they couldn't go back and fix it. Basically telling me to go XXXX  myself for lack of better terms. I was told a manager would contact me again but they haven't. Legally they can't charge out of state tuition if they had documentation proving otherwise. I asked for a retroactive residency reclassification as it was the schools error and they said that they are unable to at this time.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint regarding inaccurate information appearing on my credit report. Despite contacting the credit reporting agency and the furnisher of the information, the issue has not been corrected.

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 2025-10-24 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: SC

Complaint narrative:
XX/XX/scrub>XX/XX/XXXXthis account belongs to XXXX XXXX and XXXX XXXX as court ruled in our divorce court hearing also I told this company I had a hardship I lost my job due to caring for mom which passed away and trying to fight legal divorce court battles with my ex wife XXXX XXXX and this company continued threatening me to pay this balance after receiving court documents and orders that XXXX XXXX and XXXX XXXX was held responsible for this debt

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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
From XXXX through XXXX, Capital One has consistently overcharged me for interest on my account. Over the years, I have noticed that the interest applied each month has been higher than expected, even when payments were made on time and balances were reduced. 

I have reached out to Capital One multiple times to request a review of my account and a correction of the excessive interest charges, but the issue has not been resolved. During the government shutdown, I again attempted to get help, but the company refused to assist or provide any relief. 

These ongoing overcharges have caused financial hardship and negatively impacted my XXXX XXXX due to inflated balances being reported to the credit bureaus. 

I am requesting that Capital One : XXXX my account history from XXXX to XXXX ; Provide a detailed explanation of how interest was calculated each year. 

Refund or credit any overcharged interest ; and Correct any inaccurate or negative credit reporting resulting from these overcharges. 

Dates and Actions Taken : Overcharges occurred : XXXX XXXX Contacted company : Multiple times, including during government shutdown Company response : Refused to assist or make corrections Result : Ongoing financial and credit impact due to excessive interest charges

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: CA

Complaint narrative:
In XX/XX/XXXX, Volkswagen Credit reported that the auto loan account was settled and paid in full, leaving a {$0.00} balance. 
The account now appears on my credit report with the status XXXX in XXXX and the comment Account paid in full for less than full balance. 
While this XXXX be technically correct, it is misleading and punitive, as it implies the account remains derogatory or unsettled even though it is fully satisfied and closed. 
This reporting violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires furnishers and credit reporting agencies to ensure the maximum possible accuracy of all information they report. Continued use of settlement-related language on a {$0.00} balance account does not meet this accuracy standard and creates a misleading impression about the consumers current creditworthiness. 
Additionally, FCRA 602 ( a ) establishes that inaccurate or misleading reporting undermines public confidence in fair credit systems and impairs access to credit. The current reporting also conflicts with CFPB XXXX XXXX, which clarifies that furnishers must not provide information that is technically correct but misleading in a way that could negatively affect a consumers credit profile. 
A formal dispute was certified mailed to Experian in XX/XX/XXXX, but no written response or correction was ever provided. This lack of response constitutes a violation of the consumers right to reinvestigation under FCRA XXXX, which requires the XXXX XXXX XXXX and furnisher to review and respond to consumer disputes within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-10-24 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: FL

Complaint narrative:
I am a victim of identity theft. Several accounts appearing on my credit file were opened without my authorization and resulted from the fraudulent use of my Social Security number. I never applied for or used any of these accounts. 

The following accounts were not authorized by me and must be removed under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each furnisher and credit bureau has failed to provide any documentation proving these accounts belong to me. Under 15 U.S.C. 1681c-2, these items must be blocked and deleted from my report within four business days of receiving this notice and my identity theft documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX On XX/XX/XXXX I placed {$33000.00} down payment on a vehicle. The salesman said this XXXX only that week and after its over he couldnt guarantee me that he would able to get me financed. 
XXXX on XXXX still and at the time. I told the salesman my vision is poor XXXX legally XXXX in my left eye. As well been wearing Bifocals at the age of XXXX. So he read the contract to me also told him I was Homeless but he said use my Family Address.The salesman reassured me that the paperwork I was agreed to was what I asked for in a car payment. Less than {$300.00} The XXXX XXXX XXXX liberty price with XXXX miles sales price {$12000.00} they said {$3300.00} down payment Looking at the paperwork Theres something about arbitration and a bunch of fees that I do not know what they are. My interest rate was XXXX  %. 
Theres a lot of fees that I dont know what they are. I also had my jeep in there garage weeks at a time even being towed from the Shelter I only had the vehicle a short time before the head gasket blew .. that after being in the shop at XXXX XXXX XXXX XXXX I told them something was leaking out my XXXX they looked at it and told me it was condensation. I believe them I never owned a jeep before so I figured they ran differently than cars very shortly after that its when the head gasket blew. And the engine was damaged. 
I tried calling them they told me the XXXX wasnt under warranty any longer .. the price was over {$2000.00} & I definitely didnt have the means to pay being on a fixed income. They called me XXXX times a day sometime asking about the payment that I was behind and because I couldnt even afford to get it fixed and I told them to come get it i was voluntarily turning it I letting them know that the XXXX XXXX XXXX. And I couldnt afford it anymore to pay for a card that was sitting in my driveway. I voluntarily gave it to them. they didnt come get i towed it back to XXXX. I havent been able to get a vehicle financed. Ive been so traumatized by the experience. XXXX afraid if I purchased another vehicle it would blow up or I get tricked into paying a higher price like triple XXXX XXXX got me financed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX of them harassed me prayed on me and took advantage of my situation and had me in stuck in vicious cycle of debt. While profiting from their business conduct practices and their lack of empathy for what they do to lower tax bracket of people as well as my XXXX and being on XXXX of Ohio social security benefits.. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: MA

Complaint narrative:
Today ( XX/XX/year> ) I discovered a bank account was opened fraudulently, so I went to my credit reporting company accounts, including this one ( Experian ) to ensure my accounts were frozen and to report a fraud alert. I could not sign in to my online account for Experian, and in attempting to recover my account several ways, with email, phone number, and social security number, it was revealed that my recovery email and phone number had been changed. Because I can not access my account. I can not report the fraudulent activity from a bank account being opened and I also can not ensure my account is frozen with Experian. I called several customer service numbers to try to explain my issue and the automated messaging hangs up on me and will not let me speak to a specialist even though it is within their reported business hours of XXXX XXXX. My account is at risk. Other on online forums have reported this as a repeated issue with this company and that their accounts have been hacked the same way.

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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
What happened : I have been unable to activate my XX/XX/XXXXCredit Card for over a month, despite multiple attempts to contact XX/XX/XXXX support. My open support ticket number is # XXXX, and I have received no updates or assistance. 

XX/XX/XXXX recently emailed me a notice stating that my credit card account will be automatically closed on XX/XX/year> if activation is not completed. I am very concerned that this may impact my XX/XX/XXXXCredit Card balance and my crypto rewards ( which are paid out in XXXX ) if the account closes without my ability to activate it. 

I have reached out toXX/XX/XXXXsupport multiple times through their website and app with only to receive generated AI responses that are unhelpful. I also attempted to contact XXXXBank, theXX/XX/XXXX Credit Card issuer, but have not received any follow-up. 

What I am requesting : XXXX. Immediate assistance fromXX/XX/XXXX and XXXXBank to resolve my card activation issue associated with ticket # XXXX. 
XXXX. Written confirmation that my XX/XX/XXXX credit balance andXX/XX/XXXX rewards will remain secure and accessible if the card account is automatically closed. 
XXXX. Assurance that my XX/XX/XXXX exchange and wallet accounts will not be affected by the XX/XX/XXXX Credit Card closure or activation issue. 
XXXX. Accountability fromXX/XX/XXXX and XXXXBank for the lack of customer service and communication over the past month. 

Company names involved :XX/XX/XXXXXXXXBank ( issuer ofXX/XX/XXXXCredit Card ) Product : XX/XX/XXXX Credit Card ( crypto rewards credit card with XX/XX/XXXX cashback ) Issue category : Account access / service issues inability to activate card, no support response Date problem started : Approximately XX/XX/scrub> 2025 Contact attempts : Multiple emails and ticket submissions to Gemini support since XXXX 2025 ( Ticket # XXXX ). No response received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Unauthorized inquiry on my credit report from VyStar CU on 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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I cant use my license its telling me my audit number is wrong my SS number has been used credit card have been opened and used in my name a major debt has been ran in my name

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 2025-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Harley Davidson Financial Services Inc
State: TX

Complaint narrative:
Company harasses me by calling me a minimum of 5 times a day for a bill that is less then 30 days old. I have call logs displaying this. This is a violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
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 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 2025-10-23 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: AZ

Complaint narrative:
I am a victim of the TransUnion and Experian data breaches, which exposed my personal and financial information. As a result, several unauthorized and inaccurate accounts were opened and reported on my credit file. These include Capital XXXX accounts reported as charged off and collections, and collection accounts from XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ). I have never authorized or opened these accounts. I submitted disputes to have these items removed under 15 U.S.C. 1681 and 1681c-2 of the Fair Credit Reporting Act, which requires deletion of fraudulent and unverifiable information resulting from identity theft. I am requesting immediate removal of all negative items and written confirmation once completed.

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