vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rent Recovery Solutions
State: NJ

Complaint narrative:
I am disputing the accuracy and validity of a collection account reported by Rent Recovery Solutions ( RRS ) and reflected on my XXXX credit report. The account was reported with an incorrect balance of {$360.00}, even though the original creditor had already acknowledged that this amount was wrong. 

Timeline of verified facts : XX/XX/year> : The leasing office confirmed in writing that a {$150.00} deduction should apply because I lived in a XXXX unit. Therefore, the correct balance was never {$360.00}. 
XX/XX/year> : I contacted RRS and informed them that the amount was incorrect. RRS stated they would begin an investigation. 
Late XXXX / XXXX XXXX : Despite the ongoing investigation, RRS reported {$360.00} to the credit bureaus. 
XX/XX/year> : The regional manager of the leasing office issued a revised ledger confirming the correct balance is {$210.00} and notified RRS of the correction. 
XXXX XXXX : My credit report updated from {$360.00} {$210.00}, confirming that the initial reporting was inaccurate. 
XX/XX/year> : RRS sent a letter admitting a bona fide error and confirming the correct balance is {$210.00}, but they refused to delete the tradeline. 

Why the tradeline must be deleted : 1. Inaccurate reporting : RRS reported an amount that the creditor had already acknowledged was wrong. 
2. Premature reporting : RRS reported the account before completing their investigation ( their own letter states the investigation ended on XX/XX/XXXX ). 
3. Failure to conduct a reasonable investigation : RRS never requested documentation from me and ignored the creditors earlier correction. 
4. Consumer acted in good faith : I repeatedly attempted to resolve the issue and even offered to pay immediately if deletion was confirmed. 
Because the account was reported inaccurately, prematurely, and handled improperly, I request that the CFPB require XXXX  and RRS to delete the tradeline from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: AL

Complaint narrative:
Not interested in becoming a XXXX or a XXXX XXXX major due to height discrimination and discrimination in general

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My Citibank account was randomly frozen on XX/XX/XXXX. I learned of this by accessing the Citi app using my phone biometrics and saw " Account Blocked '' in red letters over both my checking and savings accounts so I could not see the balances. The balance total for both accounts was about $ XXXX. I called Citi to understand what happened and was informed that my account was under review. The phone agent could not give any other information other than I could call back in XXXX hours for an update. I received what I believe is a spoof email from Citi on XX/XX/XXXX telling me to call a number I did not recognize as a known Citi number due to a compromised account. I forwarded this email to spoof @ citi. I did not have access to my debit card for a phone number as I am out of town and did not travel with it so I called various phone numbers listed on Citi 's website to get to the fraud department. I got someone from a fraud department overseas that sent me a text code to verify my identity after asking for my account number. She said my account was closed and I would receive a letter in XXXX days. At this point I could no longer access the site via web browser or app. I believe I was targeted in a phising scam. No one from Citi in other departments could help me. I have been blocked from all access points and my funds. I have had the account for over a year and had no prior issues, the account was in good standing.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
THE LATE PAYMENTS REPORTED ARE NOT CORRECT AND DO NOT MATCH MY PAYMENT HISTORY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: IL

Complaint narrative:
I am requesting prompt resolution of this issue in accordance with federal consumer protection laws. I am submitting this complaint to dispute information currently being reported on my credit file that is inaccurate and improperly handled. The information being furnished and shared about me is not accurate, and I have included specific dates, amounts, account actions, and supporting details in the attached PDF for your review. 
Despite my disputes, the credit bureaus and data furnishers have continued to share and report this information without properly validating it. This ongoing reporting violates my rights under federal law, including 15 U.S.C. 1692c, which protects consumers from improper communication and requires lawful handling of disputed debt information. I have the legal right to dispute inaccurate credit reporting, and this continued sharing has caused significant and ongoing harm to my credit profile. 
This inaccurate reporting has negatively impacted my credit score, my ability to obtain credit, and my overall financial standing.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  record shows that I have a XXXX conviction in which I should not so I was denied employment

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Kikoff Inc.
State: NY

Complaint narrative:
I have contacted XXXX XXXX XXXX several times to remove this account that was open in XXXX and has been paid in full and closed for over six years. They have failed to identify the account. They told me they don't have the account on file, but I told the representative that the account is reflected on my credit profile and I need a letter to stating the account has been paid in full so I can be removed from my credit profile. The representative told me they can't provide me that letter because they can't find the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The following inquiries are fraudulent and needs to be removed : XX/XX/year> XXXX XXXX, XXXX ; XX/XX/year> XXXX XXXX XXXX XXXX ; XX/XX/year> XXXX XXXX XXXX  ; XX/XX/year> XXXX XXXX ; XX/XX/year> XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I never opened or authorized this account, and it is being reported incorrectly under my name.

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 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I had approximately {$5.00} in my checking account and {$25.00} in my savings account. Earlier that day, I purchased a {$4.00} bus ticket, leaving approximately {$1.00} in checking.Later that same day, I transferred the remaining {$25.00} from my savings account to my checking account for the purpose of purchasing food through XXXXXXXX XXXXThe XXXX XXXX  purchase was successfully authorized and processed, which could not have occurred with only {$1.00} available in my checking account. This confirms that the savings-to-checking transfer was applied or otherwise recognized as available funds at the time of authorization.Despite this, my account was subsequently placed into a negative balance and I was assessed overdraft fees.In addition to the financial impact, this situation has caused significant emotional distress. I was repeatedly told by a supervisor that I did not make a transfer to my checking account, despite my account activity and the successful authorization of a transaction that could not have occurred without additional funds.Being incorrectly accused of not transferring funds, while facing escalating fees and threats of additional charges, caused unnecessary stress, XXXX, and frustration. I knew the transfer was made, yet I was dismissed and pressured rather than given a meaningful explanation or investigation.The distress was compounded when the bank immediately withdrew the disputed fees from my direct deposit while the issue was unresolved. This experience left me feeling powerless and unfairly treated over an error that was not of my making.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime randomly and suddenly closed out my account saying I " violated terms of services '' however, couldn't and wouldn't tell what exactly was the cause or reason of the violation as I have had the account for many years without any problems. Having a checking, credit builder, and savings opened. I recently had received a large lump sum of back pay for SSDI and I believe that is the reason they suddenly closed my account is the only thing I think of. 

I had a loan service and mypay service taken out with them which I made XXXX payment on, and wanted to pay off the rest. Now, it's showing on my credit report as well. I called Chime long before to resolve and ask how to go about paying off existing services taken out and they couldn't give any answers or help. 

They said they would try re-opening my account so I could pay it and then close it again, but then weren't able to do that either due to " terms of services, '' but still couldn't provide any reasons or solutions. I asked if they would write it off, or send me a bill in the mail or any other ways to go about it and nothing. I emailed them as well, and no response. I also haven't received anything in the mail since the closure. By far the worse service and treatment to a loyal customer that had been with them for many years. 

I don't trust Chime and their services anymore after this and as I've heard other recent problems other customers have shared or sudden random closures of accounts without providing valid reasons. 

Now that I'm having regular direct deposits again from XXXX, I have gladly taken my business back to a what I call a " real '' bank such as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I am disputing the collection account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Reliant Capital Solutions, LLC
State: DC

Complaint narrative:
A collection account from Reliant Capital Solutions was reported to my XXXX  credit report without any prior written notice or opportunity to dispute. 

According to my credit monitoring alert, the account was assigned on XX/XX/year> and immediately reported to XXXX. I have never received any initial written communication from Reliant Capital Solutions, including a validation notice required by law. No letter, email, or other form of notice was sent to my XXXX XXXX XXXX  address before this reporting occurred. 

Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a debt collector must provide a written notice containing specific disclosures and allow the consumer 30 days to dispute the debt. Reporting a collection to a consumer reporting agency without providing this notice constitutes a violation of federal law.

Additionally, by reporting the account without ensuring accuracy and verifiability, Reliant Capital Solutions has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The account is currently being reported despite the lack of validation and proof of lawful notice. 

This reporting has caused harm to my credit profile and was done without due process or legal compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: I.C. System, Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Account Number : XXXX To Whom It May Concern, This letter serves as formal notice that I am requesting you cease and desist all communication with me immediatelyregarding the above-referenced alleged debt. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are hereby instructed to stop all forms of contact, including but not limited to phone calls, emails, text messages, letters, or contact with third parties regarding this matter.

You may only contact me for one of the following reasons : 1. To confirm that you will comply with this request and cease all communication ; or 2. To notify me of a specific legal action you intend to take.

Any communication beyond these exceptions will be documented and may be used as evidence of FDCPA violations, which could subject you to legal action, statutory damages, and attorneys fees.

This letter is not an acknowledgment of the debt, nor is it a promise to pay. I do not waive any rights or defenses available to me under federal or state law. 
Thank you for your prompt attention to this matter. 
Sincerely 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 2025-12-24 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: AZ

Complaint narrative:
I am rightfully and lawfully disputing several chargeoff accounts on my Equifax credit report that contain inaccurate, inconsistent, an misleading information that is in violation of the ( FCRA ). The follow accounts in violation are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: NJ

Complaint narrative:
I am filing a complaint regarding Mercedes-Benz Financial Services ( MBFS ) improperly withdrawing funds after my lease payoff was completed and failing to promptly return the overpayment.

I submitted and MBFS accepted my final lease payoff, which should have closed my account ( check dated XX/XX/year> ; debited from my account on XXXX ). Despite this, MBFS withdrew an additional automatic payment of {$910.00} from my bank account after the payoff date ( XXXX ). 
This withdrawal cleared my bank and constitutes an overpayment on a closed lease account. I have contacted MBFS to request a refund, but the funds have not been returned.

I am requesting that MBFS issue a refund check for {$910.00} immediately and confirm in writing that my account is properly closed and no further withdrawals will occur. 
This appears to be an improper post-payoff withdrawal, and I am requesting CFPB assistance to ensure the refund is issued without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am disputing the collection account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: AR

Complaint narrative:
I dispute the late payment and delinquent status currently being reported on my account. These remarks are incorrect and do not reflect my actual payment history or agreed payment terms. Please investigate and update the account to Paid as Agreed, and remove any delinquency notations from the reporting as required by law.

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