vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am submitting this formal complaint regarding an unverified and inaccurate debt reported to XXXX  by CBNA in the amount of {$2400.00}. 

I recently discovered this account on my XXXX  credit report ; however, I have never received any communication, notice, validation of debt, billing statement, or collection attempt from CBNA prior to this entry being reported. This includes the absence of written correspondence, electronic notifications, emails, or phone calls. 

This situation raises significant concerns about the furnishers compliance with federal consumer protection laws, including : Failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) Under 15 U.S. Code 1692c, debt collectors must follow proper and lawful communication procedures. 

Reporting a debt to a credit bureau without first attempting to communicate with me or validating the debt constitutes improper collection activity. 

Potential violations of the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681s-2, furnishers are required to provide accurate, complete, and verifiable information to credit reporting agencies. 

Reporting a debt for which no notice, validation, or communication was ever provided results in unverified and inaccurate information being added to my credit file. 

XXXX responsibility to report only verified information Because this debt has never been validated or supported with documentation, I dispute its accuracy and request a full investigation. 

No evidence has been provided to show that this debt belongs to me or that the furnisher followed legal communication requirements. 

I respectfully request that the CFPB : Investigate CBNA for improper reporting practices and failure to comply with FDCPA communication standards. 

Review XXXX  handling of this account and ensure they maintain only verified and accurate information. 

Require removal of this unverified account if CBNA can not provide proof of notice, validation, and lawful communication. 

Thank you for your attention to this matter. I request written confirmation of the results of your investigation.

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 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: TX

Complaint narrative:
On XX/XX/year>, a cryptocurrency deposit of approximately {$20000.00} USD was sent to a Kraken account using a token and/or blockchain network that Kraken does not support. The transaction was confirmed on-chain, but because the asset is unsupported, Kraken must manually recover it. 

Immediately after realizing the issue, XXXX XXXX # XXXX was opened with Kraken, and the full transaction hash was provided : TXID : XXXX Kraken initially acknowledged the case and said it was under review, but after that point only provided vague, open-ended replies with no timeline for resolution. For the past several weeks, Kraken has stopped responding entirely, despite multiple follow-ups and escalation attempts. 

Details : Date of incident : XX/XX/year> Amount : ~ {$20000.00} USD equivalent Issue : Unsupported crypto deposit requiring manual asset recovery Kraken Ticket : # XXXX Status : Unresolved ; no communication for weeks I attempted escalation through Krakens support channels and received no substantive update. I also sent a formal escalation to Krakens leadership and compliance contacts, but still have not received a response.

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 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc
State: TN

Complaint narrative:
I have accounts on my credit file that are not mine. I believe they stem from Identity Theft. I had a XXXX a few years ago and I believe my information may have been stolen and used while I was hospitalized. I contacted each company individually to inform them of the situation, provided an identity theft affidavit along with a police report, and neither responded. Professional Credit place an account on my credit on XX/XX/year> in the amount of {$530.00}, XXXXXXXX XXXX XXXXXXXX placed and account on my credit XX/XX/year> in the amount of {$800.00}, and XXXX XXXX placed an account on my credit in the amount of {$4900.00}. I need these accounts removed from my credit immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: LA

Complaint narrative:
information.Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX Product or Service : Auto Loan or Lease Issue Category : Incorrect information on credit report company failed to fix errors after dispute Summary of the Problem : I am filing this complaint against XXXX XXXX XXXX XXXX ( XXXX ) for willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), 1681n, and 1681o. 
On XX/XX/XXXX, I submitted a formal dispute to both GLS and the credit reporting agencies ( Experian, Equifax, and TransUnion ) regarding inaccurate reporting of my auto loan account # XXXX ( XXXX XXXX XXXX ). My dispute included documentary proof of multiple inaccuracies, yet XXXX has failed to conduct a reasonable investigation or correct the information. 
The verified inaccuracies include : XXXX. Borrower Designation Misrepresented I am listed as a co-signer per the original sales documents, but XXXX reports me as a joint borrower. 
XXXX. XXXX XXXX XXXX confirmed the vehicle was repossessed and sold on XX/XX/XXXX, but continues reporting the full pre-sale balance of {$16000.00} as past due. 
XXXX. Conflicting Dates XXXX internal records and bureau entries ( XX/XX/XXXX, and XX/XX/XXXX ) conflict, falsely extending derogatory history. 
XXXX. Dealer Record Errors Multiple vehicles were recorded on the same contract date ( XX/XX/XXXX ), suggesting erroneous data attribution. 
Despite evidence and repeated notice, GLS continues to report inaccurate, misleading information. Their inaction violates the FCRAs requirement to investigate and correct disputed data. 
What I Want Done : - Immediate correction or deletion of all inaccurate tradelines related to this account from all credit bureaus.- Written confirmation of corrected or deleted reporting.- Compensation for actual damages and harm to credit reputation. 
Attachments ( to upload with complaint ) : - Intent to Sue Letter dated XX/XX/XXXX, XXXX Original Dispute Letter ( XX/XX/XXXX ) with Exhibits XXXX XXXX Letter dated XX/XX/XXXX, XXXX Proof of continued inaccurate reporting from Experian and Equifax

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 2025-11-23 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: LA

Complaint narrative:
information.Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX Product or Service : Auto Loan or Lease Issue Category : Incorrect information on credit report company failed to fix errors after dispute Summary of the Problem : I am filing this complaint against XXXX XXXX XXXX XXXX ( XXXX ) for willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), 1681n, and 1681o. 
On XX/XX/XXXX, I submitted a formal dispute to both GLS and the credit reporting agencies ( Experian, Equifax, and TransUnion ) regarding inaccurate reporting of my auto loan account # XXXX ( XXXX XXXX XXXX ). My dispute included documentary proof of multiple inaccuracies, yet XXXX has failed to conduct a reasonable investigation or correct the information. 
The verified inaccuracies include : XXXX. Borrower Designation Misrepresented I am listed as a co-signer per the original sales documents, but XXXX reports me as a joint borrower. 
XXXX. XXXX XXXX XXXX confirmed the vehicle was repossessed and sold on XX/XX/XXXX, but continues reporting the full pre-sale balance of {$16000.00} as past due. 
XXXX. Conflicting Dates XXXX internal records and bureau entries ( XX/XX/XXXX, and XX/XX/XXXX ) conflict, falsely extending derogatory history. 
XXXX. Dealer Record Errors Multiple vehicles were recorded on the same contract date ( XX/XX/XXXX ), suggesting erroneous data attribution. 
Despite evidence and repeated notice, GLS continues to report inaccurate, misleading information. Their inaction violates the FCRAs requirement to investigate and correct disputed data. 
What I Want Done : - Immediate correction or deletion of all inaccurate tradelines related to this account from all credit bureaus.- Written confirmation of corrected or deleted reporting.- Compensation for actual damages and harm to credit reputation. 
Attachments ( to upload with complaint ) : - Intent to Sue Letter dated XX/XX/XXXX, XXXX Original Dispute Letter ( XX/XX/XXXX ) with Exhibits XXXX XXXX Letter dated XX/XX/XXXX, XXXX Proof of continued inaccurate reporting from Experian and Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: Sports & Imports Auto
State: GA

Complaint narrative:
They are harassing me when my payment not due until Friday they call me on Wednesday about the payment threatening to come pick up the car when Im not a payment behind! Sending my multiple emails when they dont have permission to email once I havent answered the call! Talk to me any kind of way demanding to pay before due date credit advance ( sports & import ) they calls are not recorded so they talk to you any type of way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Dispute of Inaccurate Information on Account I am disputing inaccurate information on my account, which I believe is the result of identity theft stemming from a data breach that exposed my personal information. Pursuant to 15 U.S. Code 1681 ( Fair Credit Reporting Act ) and Section 605B ( 15 U.S.C 1681c-2 ), I request that this inaccurate information be investigated and blocked. 
Accounts 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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: NY

Complaint narrative:
Chime refuses to take off a closed account from my credit reports XXXX shows the credit card as active and a line of credit when in reality I have no access to that line of credit and the " credit builder '' account is closed. When the account was open it actually hurt my credit severely that is why I closed it. The company falsely advertises it as an account that will improve your credit score but it did the opposite

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
So I have two complaints first one being my Cash App account. They have been holding {$1100.00} of mine for years. I have given them the UCC release they still just will not get back to me and I had fraud on my account and stuff was stolen from me my license, my Social Security card, my passport so on my other account I had a ton of transactions that XXXX up to a lot of money they will not give me my money back. They keep on denying it after I appeal it. They said they denied the last one because I couldnt verify my identity and I explained to them. Ive been calling you guys every day and telling you my license is gone. My passport is gone and my Social Security card is gone. How am I supposed to do that and they said oh thats a different department I dont know what to tell you so theres probably about {$2500.00} that is owed to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TEXAS CAPITAL BANCSHARES, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding the denial of my {$50000.00} business loan application with Texas Capital Bank located at XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX in XX/XX/year>. 

I was told the denial was due to derogatory credit. I have an XXXX FICO score, and after contacting FICO directly, I confirmed that no derogatory information appears on any of my credit reports. 

After advising the information I confirmed with FICO, the bank told me the derogatory information came from XXXX, yet they refused to disclose what specific information they relied on or provide a copy of the data. Because the denial was based on third-party data, this refusal violates the Fair Credit Reporting Act ( 15 U.S.C. 1681m ), which requires lenders to disclose the specific information used in an adverse action.

The bank also failed to provide a proper adverse action notice with specific reasons, which violates the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ( d ) ). A vague statement such as derogatory credit does not meet ECOA requirements.

In addition, I met every qualification listed in the banks loan advertisement, and before applying, I contacted the Director of XXXX XXXX XXXX XXXX XXXX XXXX XXXX to confirm that I met all requirements. I was told everything Looked good. Despite that, the bank denied me using undisclosed XXXX criteria that were never mentioned in the requirements. 

This conduct also appears to violate UDAAP laws ( 12 U.S.C. 5531 ) because : The banks advertisement and verbal statements misrepresented the actual criteria used for loan approval ( deceptive practice ). 
I suffered financial harm based on information I could not access, avoid, or evaluate ( unfair practice ). 
The bank refused to provide the XXXX  information they relied upon, preventing me from reviewing or correcting it. ( There were no conditions placed on the loan that I could address properly. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MPOWER Financing, Public Benefit Corporation
State: DC

Complaint narrative:
Here is a more polite, professional, and diplomatic version that still clearly communicates what you want, without sounding rude or demanding. 



CFPB Complaint Private Student Loan Servicing Issues What happened? 

I took out a private student loan from XXXXmpower Financing in 2020 for about {$18000.00}. Since then, I have paid over {$18000.00} toward this loan, but my current balance is still close to the original amount. This raises serious concerns about how my payments, interest, and fees have been calculated. 

My loan was originally serviced by XXXX XXXX and was later moved to XXXX XXXX. After the servicing transfer, I lost access to my older statements and full payment history. The new platform does not show all past transactions. I requested a complete history multiple times, but the records provided were incomplete. 

Because of missing documentation and the unexplained balance, I am unable to verify whether my payments have been applied correctly. This situation has caused confusion, financial stress, and negative effects on my credit. 

What I am requesting : 1.A complete, itemized payment history from the beginning of the loan to the present. 
2.A thorough review of how all payments, interest, and fees were applied.

3. A fair resolution would be : A complete and accurate payment history from the start of the loan. 
A full review and correction of any errors in how my payments, interest, and fees have been applied. 
Removal of any inaccurate or unfair credit reporting. 
If errors are confirmed, an adjustment or cancellation of the remaining loan balance, along with any appropriate relief based on the findings.Corrections to any inaccurate credit reporting, if applicable. 
4. Given that I have already paid more than the original loan amount and have not been provided clear or complete records, I am requesting that the company work with me on a fair resolution.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Levy & Associates, LLC
State: VA

Complaint narrative:
I was not informed properly of this situation and was made to believe it was resolved months ago when I got my car registered, I was told its been disputed multiple times and received no words for months until the actual week they started garnishing my check in the middle of a pay period putting me in a financial bind. The letter said this was effective XX/XX/year> and I wasnt informed until XXXX XXXX, the date of judgement said XX/XX/year> and was signed XX/XX/year>. Between XXXX and Now I was not aware that I was still going to be sued and have no way to avoid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: CL Holdings LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

I am stressed out because this company is violating my rights Under 15 USC 1681 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable er inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: IN

Complaint narrative:
i recently check my credit report and i noticed i have some fraudulent account along with some inaccurate information in my credit report so therefore I am submitting this complaint regarding inaccurate and fraudulent accounts reported on my consumer report that do not belong to me. These accounts are negatively impacting my ability to obtain credit, secure financial services, and conduct normal borrowing activities. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy of all information they report. Additionally, under 15 U.S.C. 1681i, I have the right to a reasonable reinvestigation of any disputed information, and under 15 U.S.C. 1681s-2, furnishers are prohibited from reporting information they knowor should knowis inaccurate. Furthermore, under 15 U.S.C. 1681c-2, I am requesting the blocking and removal of these fraudulent accounts due to identity theft and unauthorized use of my personal information. I am requesting immediate deletion of all inaccurate and unauthorized information and confirmation of compliance. These errors have caused substantial harm to my financial reputation and have hindered my access to credit and essential financial resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
Since XXXX I have been trying to pay my balance of {$330.00} and whenever I try and pay Im given an error message from the app that my payment couldnt be processed but then my account is scheduled for a minimum payment. But the minimum is never paid. I do not want to pay minimum I want to pay the entire balance. Ive tried numerous time to contact a superior but Im never able to get past customer service. I have screen shots of the error message

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year> my checking account has hacked. XXXX transactions, a total of {$160.00} was transferred out of my account by a scammer to another account without my authorization. I filed over XXXX disputes with my bank, Chime, and was denied. I also filled a Police report with the XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation