vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 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: HW Holding, Inc
State: NC

Complaint narrative:
Victim of XXXX  Data Breach ( Case No. XXXX ) Violations of : 15 U.S.C. 1681s-2 ( b ) & 15 U.S.C. 1681e ( b ) LEGAL NOTICE OF IMPROPER ACCOUNT REPORTING : LACK OF REQUIRED IDENTIFYING INFORMATION Hunter Warfield Inc are unlawfully harassing me over a purported debt of {$2000.00} ; allegedly owed. Hunter Warfield Inc collection letters and calls supported only by a computer-generated statement printout, are rife with frivolous charges and flatly inconsistent with the validation and licensing requirements.

In order to satisfy the consumer protection statutes at the federal and state level, Hunter Warfield Inc must furnish the following documents prior to its reporting of the account : 1. Original Purchase Agreement : A copy of the fully executed, original ( or certified copy ) purchase agreement that evidences the existence and terms of the original debt, including Plaintiffs signature or acknowledgment of the terms.

2. Notice of Sale : A copy of the notice of sale or other documentation evidencing the transfer or assignment of the alleged debt from the original creditor to Defendant, evidencing a complete and unbroken chain of title.

3. Additional Permissible Purpose Documentation : Any additional documentation that demonstrates the existence of a legally cognizable permissible purpose pursuant to 15 U.S.C. 1681b for reporting the alleged debt.

This complaint serves as notice of my intent to pursue binding arbitration and litigation against Hunter Warfield Inc for violations of federal and state consumer protection laws stemming from your willful and negligent reporting of inaccurate information on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TrueAccord Corp.
State: CO

Complaint narrative:
True Accord C have been emailing me nonstop regarding this alleged debt. Sending me offers to settle the debt. Dont furnished me any proof this is my debt and wont comply when I ask for verification of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX. XXXX reaching out because Jefferson Capital Systems LLC is reporting a collection account on my credit report that I do not believe should be there. I was never contacted, notified, or gave permission for this company to have or use my personal information in any way. I also do not recall signing or agreeing for any original creditor to transfer my information to them. 

I have tried to check my credit report and this company continues to show up even though I never received any kind of notice, billing statement, or validation letter from them. It feels like they just placed something on my report without proof that its accurate or even verified.

Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, they are required to make sure all information reported is completely accurate and verified. They have not done that. Also, under 15 U.S.C. 1681i, they are supposed to reinvestigate any disputed information and correct or delete anything that cant be proven.

I am asking that Jefferson Capital Systems LLC provide full proof that I gave authorization for my personal information to be sent to them, or proof that this debt belon
gs to me. If they can not show that, I want this account completely deleted from my credit reports immediately.

This company is also required under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act to provide proper debt validation, which they have not done. Its very unfair that my credit is being damaged over something that hasnt even been proven to belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
On XX/XX/year>, I sent a certified dispute letter to Capital One regarding multiple late payments reported on my QuickSilver One XXXX XXXX XXXX. I requested documentation under 15 U.S.C. 1666b and 1637 ( b ) to prove that periodic statements were delivered at least 21 days before each payment due date, and proof of notice under 15 U.S.C. 1681s-2 ( 7 ) that I was notified before negative information was reported to the credit bureaus. To date, I have not received any response or acknowledgment. The late payments continue to appear on my credit report, which I consider inaccurate. I request that Capital One provide written proof of compliance, and if they can not provide adequate documentation, I request that these accounts be completely removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Dear CFPB Representative, I am writing to file a complaint against Wells Fargo Bank , N.A . regarding an overdraft fee that was unfairly charged and subsequently denied for reversal, despite explaining that I was currently under medical care and was able to make my acct active if they just reversed the 7 fees I received On XX/XX/XXXX Wells Fargo charged my checking account an overdraft fee of {$35.00}. At the time this occurred, I was dealing with personal health issue that also caused it effect my financial. I immediately contacted Wells Fargo to explain my circumstances and request that the overdraft fee be waived as a courtesy or hardship accommodation. I explained I was able to pay one but could they reverse the remaining 6 I received. 

Despite my explanation and supporting information, Wells Fargo denied my request on XX/XX/XXXX. The representative ( s ) I spoke with acknowledged my hardship but stated that policy does not allow a fee reversal, which I believe demonstrates a lack of reasonable flexibility and compassion, especially considering the economic challenges I am facing. 

This denial has placed additional strain on my finances, making it even more difficult to stay current on my basic living expenses. I believe Wells Fargos refusal to assist under these circumstances is inconsistent with fair consumer banking practices and does not align with the guidance financial institutions are encouraged to follow regarding hardship support.

I am requesting that the CFPB review this matter and assist in obtaining the following : A full refund of the amount of my overdraft fee ( s ) charged during my period of financial hardship.

A review of Wells Fargos policies and procedures for handling fee waiver requests during verified hardship situations.

I appreciate your attention to this issue and your continued efforts to ensure fair treatment for consumers facing financial challenges.

Sincerely 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 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX. I am filing this complaint because Southern Management System Inc is reporting a collection account on my credit report that I never gave permission for. I want to be very clear that I am not asking for proof of what I supposedly owe. I am asking for proof that I gave consent for my personal information to be shared, transferred, or reported by this company. 

I have never signed or authorized anything that allows this company to collect or use my data. I was never sent a letter or given notice before this account appeared on my credit report. This is a violation of my rights because they are handling and reporting information that was never approved by me.

Under 15 U.S.C. 1681e ( b ), companies are required to make sure that all reported data is accurate and verified. Under 15 U.S.C. 1681i, they must delete or correct any data that can not be verified after a reinvestigation. It is clear that this company did not follow those rules.

Southern Management System Inc is also responsible for reporting under the Metro 2 format, which means their data transmission must be 100 percent accurate and match the original source. The fact that they are showing up on my report without any valid authorization shows they are not following those standards.

Additionally, I believe their reporting through the E-Oscar system is incomplete or inaccurate. They continue to report data that can not be tied to a verified consent record from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-11-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I been calling credit acceptance since XXXX  about this vehicle I told I believe do to my identity was stolen they should look into what going with this account. I called XXXX time and they said it was in my garage and it wasnt then I called again and they said I had a wreck which I didnt, so I let them no It had to be some type fraud going on and I send the letter from XXXX stating that I was a victim of identity theft. I monitor my credit and see every month my score is dropping because of late payment and I dont have the car therefore where is the vehicle, please help with this situation

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 2025-11-02 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: CCS Financial Services, Inc.
State: MO

Complaint narrative:
b"Help my rights are being violated, 15 U.S.C.  1692g(b) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts I've referenced are not 100% accurate. Until you provide competent evidence that validates the debt  including a signed agreement, full account history, and verification of your authority to collect  you must cease all collection efforts and remove the information from my credit report. \nCredit Collection Services \XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: MA

Complaint narrative:
I already submitted a report i forgot to add that after XXXX XXXX  took {$530.00} off my card that I did not authorize they apologized and told me the money would be refunded i have the actual refund number as well for all XXXX unauthorized transactions but because it's been since XXXX they don't know how to release my money back here is the refund number for all XXXX first number is XXXX that's for {$180.00} the XXXX transaction number is XXXX in that one is for {$160.00} and the XXXX number is XXXX for {$180.00} that's all my money there just holding because now XXXX XXXX  is saying it's been too long to release the money while XXXX XXXX keeps denying me when XXXX is trying to release my money the question is how since it's been since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I never recieved written communications about a debt that is owed to for an old landlord! Ive reached out to this company XXXX times I never received a follow up! The supervisor XXXX was rude and disrespectful as well as the customer service rep XXXX! I tried to contact their manager she never called me back, this debt needs to be removed from my credit they have no record of verification showing my social or date of birth to verify anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumers.

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 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am an American Express XXXX cardholder. XXXX of the card benefits is a monthly credit that reimburses the XXXX XXXX membership fee when the charge is billed to the Amex card. 

On XX/XX/year>, I activated XXXX XXXX and selected my Amex XXXX card as the payment method. However, XXXX has a XXXX XXXX XXXX first toggle that is turned ON by default and not clearly disclosed during checkout. This hidden toggle silently overrides the payment method the user selects, so the XXXX XXXX fee ( approx. {$9.00} ) was charged to my XXXX XXXX balance instead of my Amex card. 

Because the charge did not go to my Amex card, the XXXX XXXX credit benefit could not be applied, and I lost both the card benefit and the XXXX XXXX balance that was deducted without warning. 

I contacted XXXX support first on the same day, but my ticket was auto-closed without resolution. 

I then contacted American Express multiple times on the same day XX/XX/year>, including a supervisor. I requested that the charge be adjusted or that a formal case be opened. Amex refused to open a case and stated that this was not an Amex error, even though the benefit became unusable due to the default payment override in the XXXX system, not because of any action I took. 

XXXX terms mention the toggle, but without screenshots or clear UI guidance. The burden is placed fully on the customer to discover a pre-enabled setting that blocks the benefit. This makes the benefit non-functional in practice. 

Internal Amex chat reference ID : XXXX Requested resolution : Either reprocess the XXXX XXXX charge to my Amex XXXX card so the benefit can apply, or issue an equivalent credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX, I went to a Chase ATM near XXXX to withdraw {$900.00}. The transaction failedthe machine not work, the screen froze, none of the cash dispensers opened, no money came out, and no receipt printed. Ten minutes later, my account showed the {$900.00} had been deducted. I went inside the bank and asked a staff member what to do. He gave me a customer service phone number to file a complaint. I have repeatedly requested the bank to review surveillance footage, yet nearly a month later the issue remains unresolvedthey keep delaying. On XX/XX/XXXX, I called customer service and was told there would be a response by the XXXX. To date, there has been no investigation outcome regarding my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: Block, Inc.
State: IL

Complaint narrative:
I've repeatly reported about my account being hacked and they don't give me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
This delinquncy is past 7 years old and should not still be reporting on my credit report according to FCR605 ( A ) ( 4 )

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 2025-11-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Issue Category : Credit card or prepaid card Problems with a credit card Complaint Narrative : I am filing a complaint regarding my Comenity Bank credit card account. 

I had a 0 % XXXX promotional plan that ended on XX/XX/year>. Since then, XXXX has added finance charges of {$7900.00} to my account. 

I am disputing these charges because : I was making my monthly payments on time through autopay during the promotional period. 

I did not receive a clear written notice or reminder before the promotional plan ended advising me that a balance remained and that I would need to pay it off to avoid deferred interest. 

I have requested a written disclosure of how these finance charges were calculated ( including balances, interest rates, and time frames ), but XXXX has repeatedly directed me only to my monthly statements. These statements do not provide the total payments I made toward the promotional balance nor explain how finance charges were computed. 

This lack of transparency and failure to provide advance notice appears to violate XXXX XXXX ( Truth in Lending Act ), which requires clear disclosures of finance charges and promotional plan terms. 

I am unable to pay the nearly {$8000.00} in finance charges, which I believe were unfairly applied. I request : A dispute review of these finance charges, A complete written accounting of my payments toward the promotional balance, And a detailed explanation of the finance charge calculation. 

Before my promotional period expires they didn't send me any reminder email or call that its ending soon and I will be charge this much of finance charges on my account but they never failed to email me about my monthly autopay payment reminders. I'm not at all in a position to pay that huge XXXX charges in my current situation and its increasing every month to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: MO

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING. XXXX XX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/year>XXXX XXXX XXXX XXXXXXXX {$500.00} XXXX XXXX XXXX  {$310.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX  XXXX {$57.00} XXXX {$8900.00} XXXX XXXX XXXX {$1300.00} XXXX XXXXXXXX {$190.00} 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