vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: OR

Complaint narrative:
I was on a payment plan with Jefferson Capital. For some reason, the payments stopped being taken out of my account. I acknowledge that I should have noticed, but I did not. I didnt realize this until my place of employment told me I was getting a garnishment. I immediately called Jefferson Capital, told them the issues. They said they had no payment plan on record, so I advised that I had signed and sent back their payment plan documents a long time ago. The person I spoke with said theyd have a supervisor call me back within XXXX hours, which would have been Friday, XX/XX/XXXX. I never got a call back. I want to fix this issue without getting my paychecks taken and was not given any opportunity to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally request validation of a debt that you allege I owe. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which entitles me to request verification of any debt within 30 days of being contacted. I do not acknowledge or accept any liability for this alleged debt. Until you provide the requested validation, you must cease all collection activities, including reporting this debt to the credit bureaus, calling, or sending letters, as required by law. 
Please consider this letter a formal notice to cease and desist all collection efforts until validation is provided. 
Thank you for your attention to this matter.

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 2025-10-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX I applied for a personal loan to consolidate some debt, which included a credit card from the same company. In my loan paperwok, it advised that the proceeds would be distributed in XXXX business days once I was approved. The next day I received an email with the approval and funds were sent to XXXX of the XXXX companies I needed to payoff in a matter of XXXX business days ... but the same company credit card balance still hung out there. I waited until XX/XX/XXXX or so before contacting the company regarding this. I was advised they were having some issues regarding the payoff process and I needed to wait an additional XXXX business days and it should be taken care of. After waiting, nothing was done so I contacted them again, they claimed they submitted a ticket for this again, and they're going to send the funds to my bank account instead of onto the credit card so I just need to give it XXXX business days. After a week, I contacted them once again, got the same story, they claimed they sent in a ticket to have my personal loan due date deferred ( as it's due on XX/XX/XXXX ) and no interest will be charged until we can get this handled. The last contact I had was the end of last week and they claimed they resent the funds to my bank account and should be there in XXXX business days and the ticket for a deferred payment and no interest has been submitted. 
It is now almost a month since I've taken out the personal loan and STILL do not have all the funds ( only missing the funds to payoff the credit card from the same company I have the personal loan with ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
From XX/XX/XXXX until XX/XX/year> there were approximately XXXX online electronic withdrawals from three business checking accounts I have with Chase Bank. When I notified the bank about these fraudulent withdrawals, the bank claimed that I either " authorized or approved '' of these withdrawals. This was not the case. They have refused to take any action, not even informing me as to where the disbursements went. My understanding is that the bank 's electronic records includes the destination of all electronic withdrawals, but bank 's don't like to disclose this information. These fraudulent withdrawals have cost me approximately {$30000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: GA

Complaint narrative:
b'They closed my account without knowledge and want let me open a new one'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this complaint personally, without any third-party representation, regarding inaccurate reporting on my credit report. My XXXX  XXXX account XXXX XXXX XXXX XXXXXXXX, Balance : {$6400.00}, Date Opened : XX/XX/year> ) is being reported with late payment history only on Experian, while both XXXX  and XXXX  report the account as current with no late history. I previously requested a reinvestigation, but Experian has not provided any documentation or proof of verification. I was never properly notified of any alleged delinquencies, and initial disclosures do not satisfy legal notice requirements under the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 and 1681e ( b ).

I request that Experian provide full verification of the reported late payments, including the name, title, department, and contact information of the individual who conducted the reinvestigation, a detailed explanation of the verification procedures used, and copies of all supporting documentation relied upon. If Experian can not fully substantiate the accuracy of this information, I demand the immediate removal of all late payment remarks associated with this account. I am attaching proof of my identity to validate this request and insist that no third party is representing me in this matter.

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 2025-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
To date, company has been unable to verify the debt. It seems as if it is set to fall of XX/XX/25, but I do not want to wait. If they can not verify at this point, delete it off my XXXX bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
I have not knowledge of this debt. It recently showed up on my credit report and only says XXXX is the original creditor. There is no information on what was allegedly purchased, only an amount. Requested verification with no response. Credit bureaus decline to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC
State: AL

Complaint narrative:
Ive requested on numerous calls in which I have received for supporting documents, and owner ship of this account. I have not received any supporting documents requested nor correspondence back from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: TX

Complaint narrative:
Have opened a credit card account with US Bank on XX/XX/year> and up until yesterday had a credit limit of {$19000.00} on the card. But the bank decided to drop this limit to {$500.00} without any proper communication and notice. 
For those who understand the credit scoring system, it is a very big change. 
Recently opened XXXX credit card accounts with US Bank but these should have nothing to do with my personal accounts such as this complaint is about. 
Please reach out to them to have this decision reversed. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: Chime Financial Inc
State: CA

Complaint narrative:
I submitted a dispute but the dispute department ran a different code for that dispute. My dispute revolves around fraud not around error. I believe in my dispute would have been filed away it should have been properly done it would have gone my way. I am a victim and I was misled and the merchantment represented themselves to acquire my funds and my business. Something's wrong here because I have a victim and and I'm not happy with how I've been treated and the end results of this investigation. I've had it over everything possible and told them what happened many times. I just don't get how I can get tonight when I'm clearly a victim of a scam here AKA fraud.....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: GA

Complaint narrative:
a mortgage collection is reporting under XXXX XXXX XXXXXXXX that is not mine. I have never had a mortgage or signed any agreement with this company. There is no corresponding original creditor trade line on my report, violating FCRA section 607 ( b ) and metro 2 reporting standards requiring accurate and linked data. Please delete this unverifiable and fraudulent collection immediately and cease all reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XX/XX/year> XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute information on my credit report that I believe is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ), specifically under the provisions of 15 USC 1681i ( 7 ). As a consumer, I have the right to ensure that my credit report is free from any erroneous or outdated information.

Upon reviewing my credit report from your agency, I have identified the following inaccuracies : Please list any specific inaccuracies, such as incorrect account balances, incorrect payment history, or outdated information. This misinformation is damaging my credit score and financial standing and may also be a violation of 15 USC 1681-I ( 7 ), which requires the accurate reporting of consumer information. 

I request that you investigate these discrepancies and provide me with a written explanation of the results of your investigation, in accordance with the FCRA guidelines. I also request that the inaccurate information be removed from my credit report as soon as possible.

Please note that under the FCRA, you are required to complete the investigation within 30 days of receiving my dispute. Failure to comply with this timeline and correct any inaccuracies may result in further legal action. 

I appreciate your prompt attention to this matter and look forward to receiving a written response within the specified time frame. I appreciate your cooperation. 

Sincerely, 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 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
Im submitting a complaint about Avant charging me interest even though my account has been on autopay for the full statement balance since it was opened about XXXX months ago.

Avants own terms state that paying the statement balance through autopay should allow customers to take advantage of an interest-free grace period. Despite this, I was charged interest, which Avant representatives called residual interest. When I raised the issue, both the representative and supervisor repeated the same explanation and refused to acknowledge the terms quoted directly from Avants mobile app.

I believe this charge violates Avants stated policy and misleads customers who set up autopay to avoid interest and late fees.

Im requesting that Avant refund the improper interest charge and that the CFPB review this matter to ensure Avant is following its own disclosures and grace period policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
I am submitting this complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Affirm is currently reporting five ( 5 ) accounts as charge-offs on my consumer credit report, with balances of {$160.00}, {$690.00}, {$100.00}, {$71.00}, and {$120.00}. These tradelines are listed as charged-off accounts but continue to show outstanding balances. This is inaccurate and misleading reporting because once an account is charged off, no balance should remain collectible or reported as due in this manner. 

This reporting constitutes furnishing of inaccurate and fraudulent information in violation of FCRA 623 ( 15 U.S.C. 1681s-2 ). The continued appearance of these accounts on my credit file causes material harm and creates a false and misleading representation of my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I sold an asset on the Robinhood exchange and attempted to transfer the proceeds from those funds out. Robinhood immediately froze my account and refuses to provide me any information whatsoever or release my account. I have sent them a selfie, my license, and a copy of my bank account statement and they still will not provide me with any information. This is a very significant amount of money and they are holding it without cause. Every day they withhold my money it is costing me money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I went on the XXXX XXXX website to order a wallet, using my Capital XXXX XXXX 's card. The order stated I would receive the wallet in XXXX business days. XXXX  days later, on XX/XX/XXXX, I still had not received the wallet I ordered. Yet I received an email to rate the wallet. So I then emailed XXXX XXXX to let them know I had yet to receive my order. They replied and told me they have been experiencing shipping delays, and I should receive my product shortly. XXXX days later, I received a package in the mail. Figuring it was my wallet, I opened the package and found a pair of women 's eyeglasses. The package had my name on the outside, and I had not ordered any other merchandise from any other business. I contacted XXXX XXXX to let them know I received the wrong purchase. They never responded. XXXX week later, on XX/XX/XXXX, after still not receiving my product ordered, and no response yet from the merchant, I emailed again. I again let the merchant know I did not receive the product I ordered. I again asked for them to resolve the issue, and asked if I needed to file a dispute with my credit card company. On XX/XX/XXXX I contacted my credit card company and filed a dispute. They credited my account for the charge in question. On XX/XX/XXXX, Capital One contacted me and said the merchant had responded to my dispute, and they were placing the charge back on my card. After more than six contacts of sending pictures of the eyeglasses and case, copies of the emails where I messaged the merchant, a full one page letter of I wrote of the full events that transpired, Capital One will still not credit me back, when the merchant gave an item I didnt purchase or ask for. Even one of the times I contacted Capital One, the representative told me to place a note in the letter I wrote, that the merchant would not even respond with a return address to send the eyeglasses back to. This is clearly a violation of XXXX XXXX XXXX Send me the wrong product, will not allow me to return the product, and will not refund my money. Capital One does not care either and clearly this is a dispute I should win. The merchants end of the contract was not fulfilled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tenaglia & Hunt, PA
State: NJ

Complaint narrative:
The plaintiff has violated the Fair Debt Collection Practices Act ( FDCPA ). The agency was obligated to provide proper debt validation upon request, yet no such validation was provided prior to filing the lawsuit. Proceeding with litigation without first validating the alleged debt constitutes a direct violation of the FDCPA, for which the agency should be held accountable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: NC

Complaint narrative:
On Monday, XX/XX/XXXX, at approximately XXXXXXXX XXXX XXXX XXXXraudulent activity occurred in my Kraken account. I recognized the scam within minutes and called Kraken at approximately XXXXXXXX XXXX EST while the funds were still visible and under Kraken XXXX  custody. Despite my immediate report, no freeze or security action was taken, and the funds were withdrawn. On XX/XX/XXXX, I followed up after noticing a {$9800.00} fraudulent withdrawal from my linked XXXX XXXX account ( later refunded ). On XX/XX/XXXX, I submitted a new ticket, which was auto-acknowledged but never received a human response. 

XXXX. Timeline Table The incident timeline will now appear as part of the Records Request Exhibit for visual clarity : Date Action Kraken Response Notes XX/XX/XXXX XXXXXXXX XXXX  EST Fraudulent activity occurs- I received a text mentioning that my XXXX was compromised and that i needed to move it to Krackens XXXX XXXX I heard moving it to Kracken I thought it was safe. However when I called Kracken to follow up they mentioned it was a scam and that they would escalate and freeze the account Funds ( ~ {$57000.00} ) still in Kraken wallet XX/XX/XXXX XXXX XXXX  EST Called Kraken to report scam Auto-response ; no freeze action Funds still visible XX/XX/XXXX Follow-up after {$9800.00} withdrawn No reply Bank later refunded XX/XX/XXXX XXXX new support ticket Auto-acknowledged No human response XX/XX/XXXX Filed XXXX report and sent Notice of Negligence Pending Certified Mail to Legal Dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: SC

Complaint narrative:
I have no idea about this account. And it is represent a identity fraud.

Company response to consumer: Closed with explanation