vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CT

Complaint narrative:
In spring XXXX, my XXXX XXXX was stolen. I had been paying monthly premiums for XXXX device protection plan, which explicitly included theft coverage. On XX/XX/XXXX, I filed a claim with XXXX, the plan XXXX. The claim was denied solely because XXXX had suspended my account for nonpayment at the time of the claim. That suspension occurred because XXXX refused to provide the replacement device I was entitled to under the plan. 

Despite my payments for coverage, I was left without a replacement device. XXXX then referred an alleged balance of {$830.00} to Credit Control , LLC. On XX/XX/XXXX, I received a debt collection notice from Credit Control , LLC ( Reference # XXXX ). 

I formally disputed the debt and requested validation. No documentation was provided. Instead, XXXX asserted the debt was valid and directed me to Credit Control , LLC, but neither XXXX nor XXXX XXXX has produced itemized charges, proof of contract, or evidence that the debt is legitimately owed. 

I have recovered billing statements and emails confirming that I paid monthly premiums for device protection : XXXX XXXX XXXX was billed at {$19.00} for the period XXXX XXXX XXXX XXXX 

My XX/XX/XXXX bill totaled {$210.00}, and XX/XX/XXXX totaled {$190.00}, both scheduled for Auto Pay. 

These charges confirm I upheld my side of the contract, yet XXXX denied coverage and referred the balance to collections. 

Since then, I have made repeated goodfaith attempts to access my XXXX account to retrieve additional billing records : XXXX automated phone system disconnects without offering a live representative. 

XXXX claims my number is no longer associated with any account therefore wont help. 

XXXX requires a security code that was saved on my stolen cell, and refuses to provide alternative verification methods. 

XXXX demanded that I appear in person at a corporate store with government ID to access billing records, despite the account being suspended and referred to collections in order to retrieve my billing statements. I was referred to XXXX separate stores and XXXX call to customer service on XX/XX/XXXX, none of whom could resolve the issue or give me access to my account information despite requesting and being granted access to my SSN and government ID. 

These barriers obstruct my ability to retrieve proof of premiums paid and to dispute the debt. XXXX is denying me access to my own account history while Credit Control , LLC continues collection activity. 

This debt stems directly from XXXX failure to provide contracted service and XXXX improper denial of my claim, which was legitimate and should have covered my cell theft. 

Requested Action I request that the CFPB require Credit Control , LLC to : Cancel the debt, as it is not legitimately owed.

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 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: NY

Complaint narrative:
I am filing this complaint because Citi and XXXX have both failed to address a clear case of a merchant not providing the services I paid for. 

On XX/XX/XXXX, I made a hotel reservation through XXXX. Although I booked directly on XXXX, the reservation was routed through one of their so-called partners. This partner has been completely unresponsive from day one. I never received legitimate confirmation from the actual service provider, and I was never able to use the reservation I paid for. 

Between XX/XX/year> and XX/XX/year>, I contactedXX/XX/XXXX multiple times. They repeatedly told me they were trying to reach the partner, yet they never succeeded. Despite acknowledging they could not contact their own partner and that the service was not delivered, XXXX still refused to issue any refund. This demonstrates complete failure on their part to provide what I paid for. 

I submitted a dispute to Citi shortly after, on [ insert dispute date ], providing evidence that the merchant never delivered the service. Citi closed my dispute in favor of the merchant, even though XXXX never provided proof of service, because the service was never provided. Citi appears to have acceptedXX/XX/XXXX generic responses without performing any meaningful investigation. 

I reopened the dispute on [ insert date ], and once again Citi dismissed it without addressing the underlying facts. Citi has not explained why they are allowing a charge to stand when the merchant failed to deliver anything. At this point, Citi is failing its obligations under the Fair Credit Billing Act ( FCBA ) by refusing to properly investigate and by repeatedly closing the case in favor of a merchant that did not provide the purchased services. 

XX/XX/XXXX can not contact the partner, can not prove the service was provided, and refuses to refund an invalid charge. Citi refuses to protect me as a cardholder and is effectively enabling XXXX negligence. 

I am requesting that the CFPB intervene because : XXXX charged me for services that were never provided. 

XXXX refuses to refund me despite acknowledging they can not reach their own partner. 

Citi has failed to conduct a reasonable investigation under the FCBA and continues to close the dispute without addressing evidence.

I am being held financially responsible for a service I never received. I even conctacted Booking.com and they confirmed that they were not able to reach out to the service themselves. 

I am asking the CFPB to require Citi to follow FCBA guidelines, reopen the dispute, and issue a proper chargeback. XX/XX/XXXX should not be allowed to profit from a service they never delivered.

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 2025-11-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
My account was restricted in XX/XX/year> after I decided not not send my shares of the controversal stockXX/XX/XXXX to XXXX as robinhood has repeatedly pushed me to do.

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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint because several accounts on my credit report were verified without any evidence, documentation, or proof from the credit bureaus or the furnishers. I submitted disputes requesting a proper reinvestigation and a Method of Verification ( MOV ), but the bureaus did not provide the legally required details under FCRA 611 ( a ) ( 7 ). They simply marked the accounts as verified without explaining how or by whom the information was confirmed.

Additionally, some accounts appear to have been reinserted or updated without giving me the required written notice within 5 business days, which violates FCRA 611 ( a ) ( 5 ) ( B ).

I also contacted the furnishers directly under FCRA 623 ( a ) ( 8 ) for documentation such as applications, contracts, account records, or any proof that the accounts belong to me. None of the furnishers provided the required validation or documentation.

I am requesting CFPB intervention because : The credit bureaus failed to perform a proper reinvestigation.

They did not provide a valid Method of Verification.

Accounts were updated or reinserted without legally required notice.

The furnishers failed to provide any supporting documentation or proof. 
The bureaus continue reporting information they can not verify. 

I am asking for all accounts that can not be verified with actual documentation to be deleted from my credit file and for the bureaus and furnishers to comply with their responsibilities under the FCRA. 

See attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: WI

Complaint narrative:
I have a Chime account and XXXX  went into my account yesterday on XX/XX/year> & took a unauthorized payment of {$360.00} which was my rent money.I emailed and chatted with XXXX in the app because they dont have a phone live agent and they are giving me the run around.I tried disputing it with chime and the denied it right away and gave no reason why .Im very upset and hurt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On XX/XX/year> I called HSBC to close out my checking and savings account and send me the funds and I recieved the check a week later and deposited it. Early XXXX, I recieved the XXXX statement and saw that on XX/XX/year> that a XXXX dollar fee was taken from my checking account for maintenence because it said I had XXXX in account and so I was charged. I had a total of XXXX total balance and total balance needs to be XXXX to be a private client. I called bank right away after seeing the charge on statement but no can answer why I was charged even tho I had enough money. I spoke to multiple reps but they only apologized and said they dont know how it happened and since my account is closed, they have no way of reversing the fee. They mistakenly took my money and it is XXXX but it should never happened but now I dont know what else to do. XX/XX/XXXX is not a big amount but I feel they should be responsible for their mistake. What is my recourse here and please advise me as how to go about making them giving me back the fee that they should not have taken in the first place. Thank you so much.

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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
In XX/XX/XXXX I opened a Synchrony XXXX XXXX account to use at XXXX. First payment was due XX/XX/XXXX. My bank ( XXXX ) sent the check on XX/XX/XXXX and I kept checking the Synchrony account to make sure the payment cleared. On the day it was due the check for {$150.00} still had not posted and I assumed it was lost in the mail. I called and spoke to a CSR who couldn't tell me anything except they hadn't gotten the check from XXXX. I immediately made a payment directly at Synchony 's website for {$280.00} ( I had charged more groceries ) paying the account in full, so I would not have a {$30.00} late charge. The same day, XX/XX/XXXX, I called XXXX and put a dispute/stop on the check in case it had gotten to the wrong place. 

The next day XX/XX/XXXX, I went to check Synchrony website and not only was my {$280.00} at site payment not been credited, they had charged me a {$30.00} late charge anyway. I called them and talked to a very incompetent person told her I had paid the bill on the due date. She said she'd look into it but that the payment wasn't showing. 

Two days later, XX/XX/XXXX the {$30.00} late charge was gone and the {$28000.00} payment was posted. 

On XX/XX/XXXX my check from XXXX for {$15000.00} finally showed up in the account as a Credit, but they gave the " posted '' date as XX/XX/XXXX. It was, in fact, not posted until XX/XX/XXXX. I decided it apparently had not been stopped in time so I ordered some more groceries to try to use the credit up and intending to pay off whatever extra amount was on the account. 

On XX/XX/XXXX they posted a reversal of that same {$150.00} check ( I assume they finally dealt with the stop payment I put in with XXXX. ) However, they posted the reversal as having occurred on XX/XX/XXXX which is impossible as I didn't even request the stop payment with XXXX until XX/XX/XXXX. 

Even though they say they reversed the {$150.00} check, as of today XX/XX/XXXX that reversal has still not been credited back to my XXXX account. I am at my wits end and plan to cancel this XXXX XXXX  account and will warn others about their fraudulent postings.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently review a copy of my credit report and noticed I had fraudulent accounts on my report, please re move this ( XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX ) from my report it is hurting my ability to obtain credit

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: CA

Complaint narrative:
Experian, Equifax and TransUnion refused to correct inaccurate information on my credit report after I submitted multiple disputes with supporting details. They verified accounts without providing documentation and without performing a lawful investigation as required under 15 USC 1681i.

I requested the Method of Verification, and neither bureau provided the names, documents, or procedures used. It appears the accounts were verified automatically through XXXX, which does not meet federal investigation standards. 

The furnishers also failed to provide account-level documentation, violating FCRA 609 ( a ) and 623 ( a ).

I am requesting : A full investigation All documentation used to verify the accounts Removal of unverifiable information Enforcement of compliance with FCRA Requested Resolution : Permanent deletion of all unverifiable accounts and correction of procedural violations.

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: CA

Complaint narrative:
Experian, Equifax and TransUnion refused to correct inaccurate information on my credit report after I submitted multiple disputes with supporting details. They verified accounts without providing documentation and without performing a lawful investigation as required under 15 USC 1681i.

I requested the Method of Verification, and neither bureau provided the names, documents, or procedures used. It appears the accounts were verified automatically through XXXX, which does not meet federal investigation standards. 

The furnishers also failed to provide account-level documentation, violating FCRA 609 ( a ) and 623 ( a ).

I am requesting : A full investigation All documentation used to verify the accounts Removal of unverifiable information Enforcement of compliance with FCRA Requested Resolution : Permanent deletion of all unverifiable accounts and correction of procedural violations.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: NC

Complaint narrative:
Prohibited Reinsertion of Fraudulent Account, Lack of Authorization, and Permissible Purpose Violations/ Failure to Provide Wet Signature Legal Documents or Valid Photo ID. 

Victim of XX/XX/XXXXXXXX XXXX. XXXX ) I, XXXX XXXX, demand arbitration pursuant to any applicable arbitration agreement and assert my rights under federal law and the laws of the State of North Carolina regarding the unauthorized reinsertion of a previously disputed and removed account on myXX/XX/XXXX XXXX credit report XXXX The following accounts were previously investigated, disputed, and removed from my credit report after verification confirmed inaccuracies : a XX/XX/XXXX These accounts were improperly reinserted into my credit file without proper verification, documentation, or legal authorization. 

Federal Law Violations 1. Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Improper reinsertion without verification 15 U.S.C. 1681o : Negligent noncompliance with statutory duties 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures for maximum accuracyXX/XX/XXXX State Law Violations 2XX/XX/XXXXXXXX and Credit-Related Violations XX/XX/XXXXUnfair and Deceptive Trade Practices Act ( UDTPA ), XXXX XXXX XXXX. XXXX XXXX et seq. - unfair, deceptive, and unconscionable acts and practices in consumer transactions State consumer protection provisions applicable to credit reporting, collection, and deceptive trade practices

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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

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: EQUIFAX, INC.
State: LA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am disputing several inaccurate, unverifiable, and fraudulent items appearing on my credit reports. 

These include : A collection account from XX/XX/XXXXthat is NOT mine Multiple incorrect late payments Incorrect balances Duplicate account reporting Metro-2 coding errors Improper account statuses Furnishers not validating accounts under FCRA 623 Credit bureaus failing to properly investigate under FCRA 611 Failure to provide method of verification under 611 ( a ) ( 6 ) ( B ) ( iii ) The bureaus verified accounts without providing validation or documentation. 

These errors have lowered my credit score and caused emotional and financial harm. 

I request the CFPB enforce : Full validation of all disputed accounts Deletion of any unverifiable or incorrect information Correction of all reporting errors Immediate removal of theXX/XX/XXXX Reinvestigation of all disputes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells fargo were consistently complicit w fraudulent activity induced at, and around my Former XXXX XXXX job

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 was result of identity theft
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
Debt is on my credit report and it is inaccurate and my identity was stolen

Company response to consumer: Closed with explanation