vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: CT

Complaint narrative:
I am extremely frustrated and upset with Chime regarding the rollout of the new XXXX XXXX XXXX card. A supervisor confirmed that I am not ineligible, yet they admitted there is currently nothing they can do for long-time customers like me, and they have no timeline for when we will receive access. 
As a loyal Chime XXXX member and long-time customer, I feel completely undervalued and unfairly treated. New members are receiving a XXXX card with perks my XXXX XXXX does not have, including 1.5 % cash back, the option to upgrade to premium card materials, and consolidated account features all while I am told to simply wait. 
Repeatedly contacting support has resulted only in scripted apologies with no escalation or solution. This lack of transparency and unequal treatment is unacceptable. I expect Chime to escalate this immediately and provide a clear path for long-time members to receive the same benefits as new members. 
If Chime can not resolve this promptly, I am prepared to close my accounts and escalate this complaint to the CFPB for formal review. Long-standing members should not be treated as second-class customers while new users receive superior benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
b'I am requesting a full reinvestigation of the items listed below on my TransUnion credit report. These accounts appear to be inaccurately reported and may not reflect my true credit history. Please remove any information that cannot be verified according to FCRA guidelines.\n\nCHARGED-OFF ACCOUNTS (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 PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-25 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Issue : American Express - Unfair denial of annual fee refund after issuer-initiated account closure American Express charged a {$650.00} annual membership fee and then closed my account 35 days later. 
The account closure was initiated by American Express, not by me. I did not request to close the account. They told me my card was closed due to 'misuse ', which is not true- I asked them to provide me the details about it, but they refused my request. 

Amex is now refusing to refund the annual fee because it has been more than XXXX  days. 
However, the XXXX policy applies to customer-requested cancellations, not involuntary closures initiated by the issuer. 

Since I did not receive the benefit of the card for the rest of the membership year and did not choose to close the account, it is unfair for American Express to keep the entire annual fee. 
I am requesting a prorated refund of the annual membership fee. 

I would like CFPB to review this unfair billing practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: CA

Complaint narrative:
I am writing to dispute the validity and accuracy of the above-referenced collection account. This account reflects a {$500.00} charge from XXXX on XXXX XXXX Apartments charges that are incorrect and arise from severe unit habitability violations, flooding, and duplication of cleaning fees even though only XXXX person lived in the rented unit. 
XXXX separate rooms were rented under my name, yet only XXXX person occupied the unit. The apartment experienced repeated leaking, roof damage, and flooding that rendered the unit uninhabitable. We were forced to relocate due to water intrusion and unsafe conditions, none of which were tenant-caused. 
Despite this, I was billed for cleaning and damages twice, even though : Only XXXX room was used Flooding caused the majority of the damage The condition of the unit was caused entirely by property defects These charges were long disputed with the apartment prior to collections. They are inaccurate, unjust, and not legally reportable. 
Under the Fair Credit Reporting Act ( FCRA ), all furnished information must be accurate, complete, fair, and verifiable. This account fails all XXXX standards. 
I hereby request : XXXX. A full reinvestigation of this account. 
XXXX. Verification explaining how XXXX charges were justified when only XXXX occupant lived there. 
XXXX. Proof supporting cleaning fees for areas damaged by flooding. 
XXXX. Immediate deletion of this account from all credit bureaus due to inaccurate and unverified

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 2025-11-25 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid litigation.

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 2025-11-25 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: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
Destiny credit card is charging me an annual fee as well as a monthly fee. I was not aware I would be charged both monthly and annually. I can not review payment or transaction information which resulted in me paying the {$49.00} annual fee twice because they charge me all the fees after I pay my balance resulting in me never being able to have a XXXX balance. I can not view my transactions. I can not view pending payments. I can not view posted payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: AZ

Complaint narrative:
I am disputing the following items on my Experian credit report. The information appears to be inaccurate and/or unverifiable. I request that these items be fully investigated and removed if they can not be validated according to FCRA regulations. 

CHARGED-OFF ACCOUNTS ( EX ) XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX CARD XXXX XX/XX/XXXX XXXX INQUIRIES ( EX ) XXXX XXXX XXXX XX/XX/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 2025-11-25 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: TX

Complaint narrative:
The entry contains inaccuracies regarding my financial activity. Please revise it upon review.

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 2025-11-25 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: AL

Complaint narrative:
I am disputing the information reported by Equifax for the following accounts, as the reporting contains inaccuracies and potentially violates the Fair Credit Reporting Act ( FCRA ). 

Charged Off Account : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Late Payments : XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: WI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
I've been at my current address for the past XXXX years and I've always had at & t service here. Some how they let someone get service at another address in my name. They were paying the bill initially then they stop paying and all of a sudden they send that bill to my address. I called and ask how was the bill going to another address up until it was on it's way to collection and how was they able to get additional service at another address other than mines and I have they service? They couldn't explain. Plus it never shows up on the app that I had service at another address neither.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
XXXX XXXX I would like have them removed of my credit report they garnish my wages several times. 
This debt was not mine it was my father whom has passed away but we have same name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items on my Equifax credit report. These accounts are inaccurate and require correction. Please investigate these items and remove any erroneous information. 

Charged Off Accounts : XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$22000.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Late Payment : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: OK

Complaint narrative:
I am submitting this complaint regarding a collection account that is being reported by TransUnion, Experian, and Equifax. I have disputed this account multiple times with each credit bureau, and they have failed to properly investigate my dispute as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

I requested that each credit bureau provide : The Method of Verification used to verify this account, and a copy of a valid consumer contract bearing my signature or any document that clearly establishes that I agreed to and am legally obligated on this debt. 
Instead of providing a signed contract or proof of a consumer agreement, the credit bureaus and/or furnisher responded with generic account statements and balance histories only. These documents do not prove that I entered into a binding agreement for this debt, nor do they show that I am legally liable for it. 
Despite this, each bureau continues to report the collection account as verified, which I believe constitutes : A failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i, and The continued reporting of unverified and potentially inaccurate information on my credit reports. 
I believe the credit bureaus have not complied with their obligations under the FCRA. I have : Disputed the account multiple times in writing. 
Specifically requested the Method of Verification and a copy of any signed contract. 
Received only statements and balances, which are insufficient to prove liability. 
Observed that the account is still marked as verified and continues to appear on my credit reports.

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 2025-11-25 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I am a XXXX  year bank employee who recently retired and relocated to XXXX XXXX, XXXX. In early XXXX I opened a sole owner personal checking account at a Chase Bank location that recently opened near my house. I did this online and made XXXX small deposits ( {$25.00} each ) via mobile deposit. The second {$25.00} deposit was subsequently put on a XXXX hold. I didn't really care, but thought that was very odd. My XXXX deposit was in person with a {$1000.00} check drawn on my bank in XXXX  where I moved from. The teller told me there would be a XXXX  day hold which I was fine with. After the XXXX day hold expired I recieved XXXX alerts, XXXX text and XXXX email that the money was available. The next day I looked on XXXX 's website and still noticed the hold. Later that day I called XXXX Customer Service and was informed by them that a XXXX  day hold was additionally placed on these funds. I would not have known had I not gone online. XXXX NEVER informed me of the additional hold. Again, I didn't really care but they should've informed me. No one there could give me an explanation. My final transaction was moving {$20000.00} from my online XXXX savings account to another online account and the next day my account was flagged " Restricted '' with suspicious activity. I then called XXXX and was told my account was being closed and nothing could be done. Strange to say the least. At that point I figured I really don't want to do business with a bank like this and asked the rep if I could go get my remaining funds at the branch and she said " Yes ''. By the way, I spent hours setting up all my retirment direct deposits to XXXX, but this aggravation simply wasn't worth it. That same day I went to retrieve my funds ( {$1000.00} ) and the Branch Manager said my funds could not be obtained for another XXXX  days. He also said he would refund my check order charge of {$30.00} and in the end couldn't do that either. I just wanted out of this bank at that point. All of my years experience in banking, I was totally floored by their service. I understand fraud is at an all time high, but they really treated me terribly. I've never even bounced a check let alone be considered a suspicious customer. Really, really bad!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: IN

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within XXXX  days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within XXXX  days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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