vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I, XXXX XXXX made a in store purchase at XXXXXXXX XXXX XXXX in XXXX XXXX California on XX/XX/XXXX And that furniture was suppose to include a new extra firm mattress that was not a pillow top. And I was charged {$2100.00} for the mattress, but when it was delivered it was a used mattress that was a pillowtop and it was not extra firm and there was defectiveness on the side of it. So I complained until I was told to come back into the store and pick out another one, which I did in XXXX of XXXX, and while I was at the store picking out a new one, I noticed in the back of the store, by the rugs was a used mattress with a clearance price of either {$500.00} or {$800.00} tag on it. Even though I had picked out a new one that I took pictures of before I left the store. And it was a cheaper one of only {$1100.00}. When a new one was suppose to be delivered, the store delivered the old used one that I seen in the store on the floor that was on clearance. Now I have filed a notice of Dispute with XXXXXXXX XXXX XXXX which they received on XX/XX/XXXX. And I went back to the store after that to pick a new one Now this company need to pick up their old used mattress as soon as possible and I will take my business to a honest furniture company. Respectfully Submitted XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Subject : Formal complaint regarding unauthorized duplicate ACH debit charge of {$8000.00} by Bank of America To Whom It May Concern : I am writing to file a formal complaint against Bank of America regarding a duplicate ACH debit posted to my account, which has resulted in an unauthorized loss of {$8000.00} that has not been returned to me. 
Details of the Issue - On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was debited {$8000.00} for a transaction labeled : XXXX Settlement XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- The same exact transaction ( same date, same amount, same company ID, and same Trace/Transaction ID ) was posted a second time. 
- The payee has confirmed in writing that they only received XXXX ( XXXX ) payment of {$8000.00}. 
- This clearly indicates the second debit was a duplicate posting error by the bank. 

Despite multiple attempts to dispute this charge with Bank of America, the bank has refused to correct the error or issue a refund. As a result, a total of {$8000.00} remains missing from my account for more than a year. 
Regulatory Concerns : Duplicate ACH entries violate XXXX rules requiring unique trace numbers per transaction and XXXX constitute a breach of consumer protection laws. XXXX XXXX XXXX  has failed to : XXXX. Correct a proven accounting error XXXX. Provide a reasonable explanation XXXX. Protect my financial rights and property Supporting Documents Provided : - Monthly statement showing the XXXX identical {$8000.00} debits - Email written confirmation from the payee that only XXXX payment was received This matter has caused significant financial stress, and the banks refusal to correct a clear error is unacceptable. I appreciate your prompt assistance in protecting my consumer rights and ensuring the missing funds are restored to my account. 

Thank you for your time and attention. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This complaint is NOT a duplicate of previous complaints. This complaint concerns NEW legal violations that XXXX recently committed. 

XXXX is reporting information about my federal student loan account using inconsistent and incorrect personal identifiers, including wrong email addresses and conflicting identity information. These identity inaccuracies were never investigated, never corrected, and have never been part of any prior CFPB complaint. 

XXXX refuses to provide any of the legally required documents under FCRA 609 ( e ), including application records, promissory note, identity matching records, payment history, communication logs, or verification from the XXXX Department of Education. They continue to furnish information to the credit bureaus without being able to verify the accuracy of the identity data attached to this account. 

In their most recent letter dated XX/XX/year>, XXXX stated that they may file future requests without additional response or action. This is an unlawful attempt to shut down my dispute rights and violates FCRA 611 ( a ) ( 3 ) and CFPA 1031. They did not send a proper frivolous dispute notice and did not tell me what information they claimed was missing. 

Nelnets failure to investigate identity mismatches, refusal to supply required records, and ongoing inaccurate furnishing are NEW violations that have never been addressed in any previous complaint. I am requesting that the CFPB require XXXX to : XXXX. Provide all FCRA 609 ( e ) records 2. Provide identity-matching documentation 3. Correct all identity inaccuracies 4. Provide accurate Metro-2 data to the credit bureaus 5. Stop threatening to refuse future disputes XXXX. Cease reporting unverifiable information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Central Research Inc
State: VA

Complaint narrative:
My federal student loan was transferred from XXXX to CRI XXXX XXXX in XXXX. During this transition, there were significant communication issues. The XXXX portal showed no payment due, and my mother, who has been making payments on my behalf for several years, relied on that information. At the same time, I was not receiving any billing statements, alerts, or notifications from CRI XXXX XXXX. 
Because of this, two payments were unintentionally late. As soon as we were notified through a credit monitoring service, the overdue amounts were paid immediately. 
Despite the lack of proper notification and the misleading information provided by the previous servicers system, CRI XXXX XXXX reported these late payments to the credit bureaus, resulting in a XXXX drop in my credit score. I had a perfect payment history prior to this. 
I am requesting that the CFPB review this matter and assist with the removal of the late-payment reports from my credit file, as the late payments resulted from the servicer transition and not from negligence. I am seeking an adjustment or correction to ensure my credit history accurately reflects my long-term on-time payment record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Request for Validation & Deletion Failure to Provide Required Documentation Account Number : __________ Balance Reported : {$370.00} Original Creditor : XXXX XXXX XXXX 

To PORTFOLIO RECOVERY I am contacting you regarding the above-referenced account that you are currently reporting on my credit file. 

Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ), I formally requested full validation of this alleged debt. Despite my request, you failed to provide accurate and complete proof, including : - The original signed agreement/contract bearing my signature - Itemized statements showing how the balance was calculated - Proof that Portfolio Recovery Associates has the legal right to collect this debt - Proof of ownership or assignment of the account Providing screenshots or generic statements is not sufficient validation. Because you have not produced the required documentation, the reporting of this account is inaccurate and unverifiable, and therefore must be deleted from my credit file under FCRA 611.

I am requesting the following : 1. Immediate deletion of this account from all credit reporting agencies ( XXXX, XXXX, and XXXX  ). 

2. A written confirmation that the account has been removed. 

3. Cessation of all collection activities until proper validation is provided ( as required by FDCPA ).

If you continue to report information that can not be verified, you will be in violation of 15 U.S.C. 1692e, 15 U.S.C. 1692f, and FCRA 623 ( a ) ( 1 ) ( A ) for furnishing inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/year>, I contacted American Express immediately upon noticing a " Returned Payment '' ( {$4500.00} ) on my Gold Card ( ending in XXXX ). This return was caused by a verified third-party payroll error from the XXXX XXXX XXXX ( sender 's bank delay due to a federal holiday ), not a lack of funds on my part. 

I acted in Good Faith to proactively notify Amex that funds are guaranteed and in transit. I spoke with XXXX agents ( XXXX, XXXX, and a Supervisor named XXXX XXXX. My request was simple : I asked them to place an administrative note ( " Account Note '' ) on my file stating " Payroll Delay / Funds In Transit '' to prevent the automated risk system from flagging my account for closure ( shutdown ) during the retry period. 

As shown in the attached transcript, the Supervisor ( XXXX XXXX acknowledged the payroll delay situation but refused to explicitly confirm that this critical protective note was added, despite my direct request. They provided vague answers regarding the fee and retry date but ignored the account safety request, eventually disconnecting the chat while I was waiting for confirmation. 

By refusing to document my proactive notification, Amex agents have negligently exposed my account to an unnecessary risk of closure and " Financial Review. '' Furthermore, they charged me a {$29.00} Returned Payment Fee for a third-party error and refused a courtesy waiver despite my perfect payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXXXXXX, SC XXXX Re : CEASE AND DESIST Unlawful Collection Activity To Whom It May Concern : I am formally notifying LVNV Funding LLC to cease and desist all communication and collection activity regarding the alleged account you claim I owe. This notice is issued pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

You are to immediately stop all phone calls, letters, emails, text messages, or any other form of direct or indirect communication with me, including contact with third parties associated with me. Any further attempt to collect this alleged debt, except as allowed by law, will be treated as a knowing and willful violation of the FDCPA. 

Additionally : 1. Demand for Validation If you have not already provided full and complete validation of the alleged debt in accordance with 15 U.S.C. 1692g, you must do so. Validation must include : Complete account history from the original creditor Proof that LVNV Funding LLC legally owns or has the right to collect the alleged debt Full itemization of the amount you claim is owed The original signed contract or agreement ( if applicable ) 2. No Assumption of Liability This letter is not an acknowledgment of liability for any alleged debt. Until proper validation is received, you must treat this debt as disputed. 
XXXX. Notice of Violations Any continued collection effortsincluding but not limited to reporting unvalidated debt to credit bureauswill be documented as violations of the FDCPA and the Fair Credit Reporting Act ( FCRA ). If necessary, I am prepared to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), FTC, state Attorney General, and pursuing civil action for statutory damages, court costs, and attorney fees. 

You are hereby required to confirm in writing that you have received this notice and that all collection activities have ceased. 

Failure to comply will result in immediate escalation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: TN

Complaint narrative:
The uploaded repo documents show the lenders Payment History Statement listing Repossession, Vehicle Sale, and an auction-sale credit of about {$7300.00}, proving the vehicle was taken and sold and that no payment was made by me. The credit bureaus are reporting a false last payment after repossession, which contradicts the lenders own documents and is materially inaccurate. 

I requested all required repossession-sale documentsNotice of Intent to Sell, Post-Repossession Notice, Auction/Sale Confirmation, Bill of Sale, Bid Sheet , Full Deficiency Calculation, and a complete transaction ledger. None of these required UCC Article 9 documents were provided, meaning the company can not validate any balance or the reporting being furnished. 

Despite clear evidence, the company and bureaus continued to verify inaccurate information in violation of FCRA 602 ( a ), 607 ( b ), 611, and 623 ( a ). I am issuing a cease and desist regarding all inaccurate or unverified reporting and demanding permanent deletion from all credit bureaus. 

These violations caused emotional distress, medical hardship, and financial harm, including being unable to secure housing. I am requesting {$10000.00} in monetary compensation and CFPB intervention to obtain the missing documents and require correction or deletion within 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
[ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, PA XXXX ] [ XX/XX/year> ] [ HARRIS & HARRIS ] Account Number : [ HARRIS & HARRIS ] ( {$160.00} ) DISPUTE AND VALIDATION REQUEST To Whom It May Concern : I am writing to notify you that I dispute the validity of the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I am requesting that you provide the following : Verification of the debt, including a detailed statement showing the amount owed and how it was calculated.

1. The name and address of the original creditor.

2. Proof that you are legally authorized to collect this debt in my state.

3. A copy of any contract, agreement, or document bearing my signature that you claim obligates me to this debt. 

Until the requested validation is provided, you must cease all collection activity, including reporting or verifying this debt to any credit reporting agencies. If you have already reported the item, please inform the credit bureaus that it is disputed. 

Additionally, please do not contact me by phone. All communication must be in writing. 

If you can not provide proper validation, or if you fail to respond within the required timeframe, I expect this account to be deleted from all credit reporting agencies and for you to cease all collection efforts. 

Thank you for your cooperation. 

Sincerely, [ XXXX XXXX XXXX XXXX ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I reported fraudulent charges totaling {$830.00} on my Bank of America credit card from XX/XX/year>. This occurred AFTER Bank of America flagged the charges as being suspicious and asked if I had approved them. I reported them as unauthorized, and the charges were removed from my statement. After this, Bank of America claimed that the charges were legitimate, despite my not being in the city where they occurred, and recharged me for the full amount. I locked down my card, have not used it at all, and paid the balance outside of the fraudulent charges. I then filed a report on the fraudulent activity. 

Despite providing comprehensive evidence, including a police report, location data proving I was in a different city during the transactions, and documented proof of simultaneous legitimate transactions elsewhere, Bank of America has denied my fraud claim XXXX times since XX/XX/year>. This has been a long and tedious battle, and I have worked with my local bankers, provided evidence, and continued to follow up. The most recent denial was for XX/XX/year>. 

Please see the attached detailed reconsideration letter for complete documentation and evidence.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered multiple hard inquiries on my credit report that I did not authorize and for which I never applied. These inquiries do not meet the FCRAs requirement that a user have a permissible purpose to pull a consumer report ( 15 U.S.C. 1681b ). I disputed the inquiries with the credit reporting agency and requested reinvestigation under 15 U.S.C. 1681i, but the inquiries remain on my file. I am asking the CFPB to investigate and require the credit reporting agency to remove all unauthorized inquiries and confirm in writing that my file hasbeencorrected.

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