vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am disputing a collection account listed by Credit Collection Services for {$100.00}. This debt has never been properly validated under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ). I formally requested written validation of the debt, including original documents showing I owe this amount and that Credit Collection Services has the legal right to collect it. No such documentation was provided. Despite the lack of validation, Credit Collection Services continues to report this account to credit bureaus, which is inaccurate, misleading, and damaging to my credit report. I have already disputed the account with both the collection agency and the credit bureaus, but the issue remains unresolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: PA

Complaint narrative:
Subject : Request for Reinvestigation Inaccurate Credit Reporting To Whom It May Concern, I am requesting a reinvestigation of the following XXXX  XXXX accounts due to inaccurate reporting, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) : XXXX  XXXX Account # ( XXXX ) ( XXXX ) XXXX. Account #. XXXX XXXX XXXX Bank  Account # XXXX XXXX XXXX XXXX Account # XXXX Please investigate these inaccuracies and ensure that my credit file is corrected in compliance with federal law. I HAVE INCLUDED MY STATE ISSUE ID AND MY SOCIAL SECURY CARD IN AN ATTACHMENT. 

Thank you for your assistance. 

Sincerely,

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 2025-08-17 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: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
CFPB Complaint Narrative Goldman Sachs Bank USA ( Apple Card & GM Card Fraudulent Accounts ) I am a victim of identity theft. Fraudulent accounts were opened with Goldman Sachs Bank USA in my name without my knowledge or authorization. These accounts include : - Apple GS Bank USA XXXX XXXX GS BankGM XXXX XXXX XXXX XXXX XXXX XXXX XXXX - GS BankGM XXXX Accounts opened in XXXX I never applied for or consented to these accounts. As soon as I discovered them, I filed an FTC Identity Theft Report and a police report to document the fraud. I also provided Goldman Sachs Bank USA with written dispute letters, copies of my government-issued ID, and proof of my current address. 
Despite this, the fraudulent accounts remain associated with my credit file and are being reported to the credit bureaus. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I have the legal right to have all fraudulent information blocked from my credit reports within four business days of submitting proof of identity theft. Additionally, under the Fair Credit Billing Act ( FCBA ), I am not liable for any charges or balances on accounts that were opened or used fraudulently.

I am requesting that the CFPB ensure Goldman Sachs Bank USA : 1. Immediately acknowledges these accounts as fraudulent.

2. Ceases all collection efforts related to these accounts.

3. Stops furnishing these accounts to the credit bureaus.

4. Provides me with written confirmation that these accounts have been permanently closed as fraudulent.

I have attached the following supporti
ng documents : - FTC Identity Theft Report - Police Report - My dispute letters to Goldman Sachs Bank USA - Government-issued ID and proof of address This matter has caused significant harm to my credit and financial reputation. I am asking the CFPB to hold Goldman Sachs Bank USA accountable for properly investigating and removing these fraudulent accounts from my record

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
CFPB Complaint Narrative JPMorgan Chase Fraudulent Account I am a victim of identity theft. A fraudulent account was opened with JPMorgan Chase Bank in my name without my knowledge or authorization. The account number is XXXX. Accounts opened since 2021. 
I never applied for or consented to this account. As soon as I discovered it, I filed an FTC Identity Theft Report and a police report to document the fraud. I also provided JPMorgan Chase with written dispute letters, copies of my government-issued ID, and proof of my current address.

Despite this, the fraudulent account remains associated with my credit file and is being reported to the credit bureaus. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I have the legal right to have all fraudulent information blocked from my credit reports within four business days of submitting proof of identity theft. Additionally, under the Fair Credit Billing Act ( FCBA ), I am not liable for any charges or balances on accounts that were opened or used fraudulently.

I am requesting that the CFPB ensure JPMorgan Chase : 1. Immediately acknowledges this account as fraudulent.

2. Ceases all collection efforts related to this account.

3. Stops furnishing this account to the credit bureaus.

4. Provides me with written confirmation that this account has been permanently closed as fraudulent.

I have attached the following supporting documents : - FTC Identity Theft Report - Police Report - My dispute letter to JPMorgan Chase - Government-issued ID and proof of address This matter has caused significant harm to my credit and financial reputation. I am asking the CFPB to hold JPMorgan Chase accountable for properly investigating and removing this fraudulent account from my record

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: ID

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 1

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: WA

Complaint narrative:
I am filing a complaint against Chime regarding unauthorized charges and repeated failures to comply with federal dispute requirements. 

On XX/XX/year>, an unauthorized XXXX XXXX transfer of {$2000.00} posted to my account. I immediately filed a dispute and provided all required documentation, including an FTC Identity Theft Report and a signed letter affirming that I did not authorize this transaction. 
On XX/XX/year>, Chime denied my dispute without providing any supporting documentation. 
On XX/XX/year>, I resubmitted the dispute with the same supporting documentation. 
On XX/XX/year>, Chime again denied the dispute, claiming investigation was complete but failing to provide any proof or evidence to justify the denial. 

Chime also informed me that I would receive a temporary credit through XX/XX/year>, while the investigation continued. Instead, they denied the dispute early, avoiding a full investigation, and withheld the provisional credit they promised. 

This is the third time I have disputed this transaction, and each time Chime has denied my claim without conducting a reasonable investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am disputing a collection account being reported by I.C. System, Inc. for {$250.00}, allegedly owed to XXXX XXXX XXXX. The account was opened on or about XX/XX/XXXX, and is being reported to the credit bureaus as of XX/XX/XXXX. 

I requested validation of this debt under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), including proof of ownership, itemized charges, and evidence that I.C. System has the legal right to collect. The company has not provided the required documentation. Despite this, they continue to report the account to the credit bureaus, which is a violation of the FDCPA.

Additionally, under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), all information reported to consumer reporting agencies must be accurate, complete, and verifiable. Because I.C. System has failed to properly validate this debt, the continued reporting is inaccurate and unverifiable. 

I am requesting that this account be immediately deleted from all three major credit bureaus ( XXXX XXXX XXXX XXXX ) as it is not being reported in compliance with federal 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
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I am filing this complaint regarding Credence Resource Management, account number XXXX. This debt collector has been attempting to contact me regarding this account. 

On XX/XX/year> you want the cease communication to take effect, e.g., todays date ], I exercised my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), to request that Credence Resource Management cease all communication with me concerning this account.

I no longer wish to be contacted by phone, mail, or any other means, except as permitted by law ( such as to inform me of specific legal action being taken ).

I am submitting this cease communication request through the CFPB to ensure proper documentation and oversight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCSPLUS INCORPORATED
State: GA

Complaint narrative:
I received this email ( XXXX ) regarding debt collections, it does not mention any information like whats it for and why i got the charge, when did event took place no information is provided. the email looks like more document than an email. I want to get if this email is legit or scam. the email information is old like my address which is previous address not current one.

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 2025-08-17 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: PA

Complaint narrative:
Subject : Request for Reinvestigation Inaccurate Credit Reporting To Whom It May Concern, I am requesting a reinvestigation of the following XXXX  XXXX accounts due to inaccurate reporting, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) : XXXX  XXXX Account # ( XXXX ) ( XXXX ) XXXX. Account #. XXXX XXXX XXXX Bank  Account # XXXX XXXX XXXX XXXX Account # XXXX Please investigate these inaccuracies and ensure that my credit file is corrected in compliance with federal law. I HAVE INCLUDED MY STATE ISSUE ID AND MY SOCIAL SECURY CARD IN AN ATTACHMENT. 

Thank you for your assistance. 

Sincerely,

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 2025-08-17 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: PA

Complaint narrative:
Subject : Request for Reinvestigation Inaccurate Credit Reporting To Whom It May Concern, I am requesting a reinvestigation of the following XXXX  XXXX accounts due to inaccurate reporting, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) : XXXX  XXXX Account # ( XXXX ) ( XXXX ) XXXX. Account #. XXXX XXXX XXXX Bank  Account # XXXX XXXX XXXX XXXX Account # XXXX Please investigate these inaccuracies and ensure that my credit file is corrected in compliance with federal law. I HAVE INCLUDED MY STATE ISSUE ID AND MY SOCIAL SECURY CARD IN AN ATTACHMENT. 

Thank you for your assistance. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: LA

Complaint narrative:
Last XXXX in XXXX Va  I rented a car seven days with XXXX XXXX XXXX XXXX they took the money then charged me again for over XXXX $ and the bank denied the dispute and put my account in the negative XXXX $ and kept my m on et which got me in XXXX  XXXX  XXXX as nd as a result in in Virginia XXXX months ago I was denied a checking account. I went my money with interest, The rental car was negligent wouldnt rerun the money they XXXX $ total for whey was supppsed to be XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I financed my XXXX XXXX XXXXXXXX through Kia Motors Finance in XXXX  and purchased additional products, including a XXXX XXXX XXXX and XXXX  insurance. Later, I refinanced my vehicle with XXXX XXXX XXXX XXXX. When the Kia Finance loan was closed, both my Maintenance Plan and GAP insurance were effectively canceled. 

I have never received the pro-rated refunds for either product. In addition, XXXX has refused to honor my Maintenance Plan benefits. My local XXXX dealership in XXXX has confirmed they would honor the plan if I had the original documentation, but Kia Finance and XXXX XXXX refuse to provide me with my XXXX  loan contract or maintenance plan paperwork. 

I have made repeated attempts for almost a year to resolve this : I have called Kia Finance XXXX Customer Service ( XXXX ) multiple times. Twice, I was promised a callback within 3 days, but I never heard back. 

I have left numerous voicemails and emails, none of which have been acknowledged. 

XXXX XXXX has refused to help me unless I buy a new car, ignoring my repeated requests for assistance. 

Both Kia Finance and XXXX XXXX have consistently ignored me and mistreated me despite my repeated attempts to resolve the issue. 

Because of this refusal : I have been denied the refund I am owed for my canceled XXXX XXXX XXXX. 

I have been denied the refund I am owed for my GAP insurance. 

I can not access my warranty coverage, since XXXX XXXX incorrectly listed me as a second owner when I am in fact the original buyer/lessee. 

I am currently undergoing XXXX treatment and can not travel XXXX hours back to XXXX XXXX, but even after explaining this, neither Kia Finance nor XXXX XXXX has shown any willingness to resolve this matter. 

I am requesting : A copy of my original XXXX loan contract and all add-on product documentation. 

Correction of ownership records to reflect that I am the original owner. 

A full pro-rated refund of my XXXX XXXX XXXX. 

A full pro-rated refund of my XXXX insurance. 

Reinstatement of warranty and maintenance benefits that I rightfully purchased. 

I have been ignored, mistreated, and deprived of benefits I paid for. This has caused me financial harm and denied me access to warranty protections.

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 2025-08-17 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: CA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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