vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates
State: TX

Complaint narrative:
The collection had popped on my credit and destroyed my credit. It is making my life hard and I don't know where it came from. This has hindered me. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a collection account that appears on my credit report. The account in question, listed as XXXX XXXX XXXX Account Number XXXX, is not mine. I do not have any knowledge of this debt, and I believe it has been reported in error. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide a full validation of this alleged debt, including : A copy of the original contract or agreement bearing my signature, A full account history including the original creditor, Proof that you are legally authorized to collect on this debt, and Proof of delivery showing I received notice of this debt with Tracking number. 

If you can not provide proper validation and documentation within the required timeframe, I respectfully request that this collection account be deleted from my credit report immediately, as required by the FCRA. 

Please consider this letter as my formal request to investigate this matter and take appropriate action. Until this debt is validated, you must cease all collection activity and reporting to any credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a collection account that appears on my credit report. The account in question, listed as XXXX XXXX XXXX Account Number XXXX, is not mine. I do not have any knowledge of this debt, and I believe it has been reported in error. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide a full validation of this alleged debt, including : A copy of the original contract or agreement bearing my signature, A full account history including the original creditor, Proof that you are legally authorized to collect on this debt, and Proof of delivery showing I received notice of this debt with Tracking number. 

If you can not provide proper validation and documentation within the required timeframe, I respectfully request that this collection account be deleted from my credit report immediately, as required by the FCRA. 

Please consider this letter as my formal request to investigate this matter and take appropriate action. Until this debt is validated, you must cease all collection activity and reporting to any credit bureau.

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 2025-10-08 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 wanted to reach out to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me about the safety of my sensitive data. As a result of the breach, fraudulent accounts and debts have been opened in my name. I would be grateful if you could take this into account when reviewing my credit report and take the necessary steps to address any inaccuracies or fraudulent activities.

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 2025-10-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I wanted to reach out to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me about the safety of my sensitive data. As a result of the breach, fraudulent accounts and debts have been opened in my name. I would be grateful if you could take this into account when reviewing my credit report and take the necessary steps to address any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Fl. XXXX Continental Finance / Surge XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX XXXX Re : Dispute of Unauthorized Charges on Surge Account number ( last 4 digits ) : XXXX To Whom It May Concern : I am writing to formally dispute unauthorized charges on my Surge credit card account that I was recently made aware of. I am a XXXX  citizen and a XXXX veteran, and I operate on a fixed income. 
Below is a summary of the unauthorized activity : Date / Period Amount Description / Merchant Notes XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ~ {$780.00} Various online game charges, etc. I did not authorize or make these purchases {$150.00} Annual fee I request full refund of annual fee On XX/XX/XXXX, I contacted customer service to inform you the card was lost or stolen and requested that no further charges be allowed. Since then, I have not used the card, and I have closed it as of XX/XX/XXXX. 
Under the Fair Credit Billing Act and relevant credit card dispute regulations, I respectfully request : 1. That all of these unauthorized charges be reversed and removed from my account.

2. That the {$150.00} annual fee be fully refunded.

3. That you confirm in writing that my account is closed with XXXX  balance, and that no negative mark remains on my credit report as a result of these disputed charges. 
I have no documentation aside from my statements ; I request that you investigate. 
Please acknowledge receipt of this letter, investigate the matter promptly, and respond in writing. 
Thank you for your prompt attention to this serious matter. 
Sincerely, 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 2025-10-08 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 recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains an account ( Account Name : XXXX XXXX XXXX, Account Number : XXXX ) that I never authorized to be reported, nor did I give my consent for it to be furnished to any credit reporting agency. 
At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file. 
LEGAL VIOLATIONS : FCRA Section XXXX ( XXXX U.S.C. XXXX ) Lack of permissible purpose. A consumers credit file may only contain information obtained for a permissible purpose, which generally requires the consumers express consent. The inclusion of this account and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information. 

FCRA Section XXXX ( XXXX U.S.C. XXXX ) Blocking disputed information. When a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed items, the credit reporting agency must block that information within XXXX ( XXXX ) business days. I submitted such a report to the Police ( Case No. XXXX ), which clearly identifies the disputed items. Despite this, Equifax continues to report the account and the inquiries, causing ongoing harm. 

FCRA Section XXXX ( b ) ( XXXX U.S.C. XXXX ( b ) ) Maximum possible accuracy. Equifax has failed to maintain only accurate, verifiable, and complete information. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met. 

Personal Impact : I have been denied for legitimate credit applications due to this unauthorized account. 

When approved for credit, I am forced to pay significantly higher interest rates. 

I was recently denied rental housing because of this negative information. 

My insurance premiums are higher due to credit-based pricing. 

This has caused ongoing financial stress and embarrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I'm informing you that Chime failed to investigate my claims. They informed me that recovering my funds was impossible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: MI

Complaint narrative:
Rental car reserved and paid for by Citi card and XXXX card. There is no dispute to the original rental charge. 

Rental car company made unauthorized 2nd charge of {$300.00} on XX/XX/year>. Rental company did not provide invoice, receipt, or communication for unauthorized second charge of {$300.00}. Contact attempted with rental company and no response was provided. Charge was then disputed with Citi. 

Citi rejected the dispute incorrectly stating the services were rendered. Additional documentation provided to Citi proving that the original services were paid for. Dispute is not for the services rendered, but rather the 2nd unauthorized charge without any invoice or communication by rental company.

This was explained to the Citi dispute department 4+ times in addition to appeals process. Citi continues to reject dispute without reason.

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 monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX  credit card used in my name I try disputing on credit report i never use or opened account with capital one please help remove off my report'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
The emotional toll has been very overwhelming. I have lost sleep, felt constant stress, and experienced the embarrassment of being turned away by landlords for something I believe should not be in my record. This has impacted, not only me but my ability to provide safe and stable housing for my family. The debt collector has done unjustafiliable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign any agreement on. A legal contract is signed by two parties and I did not participate in any of that. They did not follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly they violated my rights and abused my privileges. I demand this be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: MS

Complaint narrative:
This reporting is in violation of several provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ), which require consumer reporting agencies to ensure maximum possible accuracy and to promptly investigate disputed information.

Upon reviewing my credit reports, I identified discrepancies among TransUnion, XXXX, and XXXX  for the same account : TransUnion lists the account as Open with a balance and past due amount of {$4200.00}, payment status Late 120 Days, and last activity reported as XX/XX/XXXX. 
XXXX  lists the same account as Open/Derogatory with a balance and past due amount of {$3700.00}, and last activity reported as XX/XX/XXXX, showing an inconsistent date and reporting period. 
XXXX  lists the account as Child/Family Support 150 Days Past Due, which does not match either the status or balance reflected by the other two bureaus. 
These discrepancies clearly demonstrate a failure to maintain accuracy and consistency across bureaus for the same account. Furthermore, the inconsistent balance, payment status, and date of last activity create a false and misleading representation of my creditworthiness. 
Under 15 U.S.C. 1681e ( b ), you are legally obligated to ensure that the information reported is accurate and verified. If any part of this information can not be verified as 100 % accurate, it must be deleted or corrected immediately.

Additionally, under 15 U.S.C. 1681i ( a ), you are required to conduct a reinvestigation of disputed items within 30 days and provide me with written confirmation of your findings.

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 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/year>, I initiated a {$3000.00} deposit from my XXXX checking account to my Robinhood XXXX account. On XX/XX/XXXX, Robinhood emailed me stating that the deposit was canceled due to " lack of approval. '' However, my checking account was still debited {$3000.00}. Another {$3000.00} debit was also attempted that same day. 
Despite having sufficient funds, Robinhood 's system processed and canceled multiple deposits, showing several {$3000.00} entries as canceled or reversed. I was left with no access to my money for nearly a week, and I did not receive a proper explanation.

As a Robinhood XXXX member, I contacted support on XX/XX/XXXX, to resolve this. Instead of getting answers, I was met with inconsistent responses, vague apologies, and a refusal to escalate the issue. When I requested to speak to a supervisor, the support agent closed the chat without warning, ending the conversation. 
This caused financial stress and may have cost me investment opportunities ( e.g., buying crypto at lower prices ). I feel this is a failure of Robinhoods duty to handle user funds securely and transparently.

I am requesting that this issue be investigated, that Robinhood acknowledge the handling error, and that policies be put in place to ensure this does not happen again especially for XXXX members

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Collection accounts appear on my credit report that I believe include inaccurate details. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is accurate and verifiable. I am requesting a thorough review of these accounts, and if they can not be confirmed as accurate, they must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Late payment records are appearing on my credit report that I believe may be inaccurate. As outlined in 15 USC 1681e ( b ) and 15 USC 1681i, only information that is accurate, complete, and verifiable should be included. I am requesting verification of these entries, and if they can not be validated, they should be corrected or removed.

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 2025-10-08 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: Continental Finance Company, LLC
State: NY

Complaint narrative:
The following credit card companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sold my information to XXXX XXXX XXXX. Which is a third party who is charging me debt not owed.My infirmation has been disbursted without my will or signature. 
I have not sign any contract or contracts with them.

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 2025-10-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX today security finance contacted my mother XXXX XXXX regarding my loan they disclose the amount of the total loan and the past due amount of XXXX and loan balance of XXXX. I have the screens shots of amount of times they called her in a XXXX day period they call from an XXXX number and they call me and leave messages. I also get calls from a XXXX XXXX as well. I am humiliated because I didnt want anyone to know about my debt and its illegal! Now I am receiving texts and calls in family group chats and this is causing distress. There are laws against this I have uploaded the call log my mother send from her caller ID

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received a prepaid {$120.00} Truist XXXX XXXX as a gift. Had not realized it expired XX/XX/year> and it is now XX/XX/year>. I tried to activate it online, but was unable to. I called customer service, but was told the funds are expired and fortified. From doing my research, Under federal regulations, the funds on your prepaid card do not expire when the physical card does. Card issuers must provide means for you to access your funds, typically by issuing a replacement card.

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 2025-10-08 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
" I am a victim of an organized criminal fraud and extortion scheme ( XXXX XXXX XXXX, prior felon ) that has trapped me in a coerced debt cycle. WF has denied my fraud claims, resulting in my credit card balance reaching XXXX % utilization ( {$5200.00} ), which threatens my financial stability and caused me to fail my XXXX XXXX. 

Wells Fargo is being sued for violations of the EFTA and FCRA based on the following : Failure to Investigate Coercion : Wells Fargo refuses to acknowledge that the debt ( including the {$30000.00} I paid toward it ) resulted from criminal coercion. The EFTA requires Wells Fargo to investigate whether consent was voided by duress. 

In-Branch Negligence : The coercion was physically facilitated on Wells Fargo premises when XXXX directed the {$2500.00} savings withdrawal at the XXXX XXXX XXXX XXXX Nov. 8, 2024 ), immediately followed by XXXX enticement. 

Inaccurate Reporting ( FCRA ) : Wells Fargo continues to report the entire debt as valid, despite possessing evidence of the underlying criminal fraud and coercion. 

Resolution : I demand Wells Fargo immediately stop all collection/reporting on the balance related to this coercion and provide restitution for the {$30000.00} I was forced to pay. ''

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 2025-10-08 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: TX

Complaint narrative:
I am a victim of identity theft. Fraudulent accounts have been opened in my name without my knowledge or authorization, and these accounts have caused negative marks that are affecting my credit.

Company response to consumer: Closed with non-monetary relief