vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I made a complaint to Chime about unauthorized transactions in my account from XXXX to now late XXXX. I showed them proof that I was not out of the country where it says that the transactions happen. They responded to me and said that there was no error for the merchant. I dont know the merchant. Ive never seen this merchant. I didnt even know what was going on until they combined the credit builder account with the debit account. They keep denying it over and over even though I sent them proof. When I requested the documents that they use in their decision, they only sent me my statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: NC

Complaint narrative:
IC System is attempting to collect a XX/XX/XXXXXXXX utility debt that I did not open or authorize. The collection notice they sent contains a full name that is not mine. I have never used that name in any legal, financial, or utility-related context. 

Despite the incorrect name, the notice includes my Social Security number, which indicates a mixed identity, misidentification, or account opened without authorization. 

I requested validation from IC System, including documentation proving I opened or authorized the account, a copy of the original application, any signature, identity verification, or authorization logs. 

IC System failed to provide any of this information. They did not provide a contract, application, signature, identity verification, or proof that I authorized service. 

I do not have aXX/XX/XXXXXXXX account at the service address tied to this collection. I did not open it, authorize it, or benefit from the service. 

Because the name is incorrect and the company failed to validate the debt, the collection is inaccurate and is being reported to credit bureaus improperly. I am requesting that this debt be investigated and removed from my credit reports, and that the company cease all collection activity.

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 2025-11-27 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:
I am submitting this as my 7th expedited follow-up regarding unresolved inaccurate and unverifiable accounts and inquiries that continue to appear on my credit report despite numerous disputes and documented attempts to resolve the issues. Specifically, I am disputing the repossession entry for XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( balance {$0.00} ), the charge-off for XXXX XXXX XXXXXXXX XXXX XXXX ( balance {$790.00} ) XXXX XXXX  which lacks the required XXXX form, and the charge-off for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( balance {$3400.00} ) which is inconsistent with the account 's status. Additionally, I am disputing unauthorized hard inquiries from XXXX XXXX XXXX  ( XX/XX/XXXX ) anXXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ), which were obtained without my consent or a permissible purpose. These items have remained on my credit report, violating FCRA 611, 607 ( b ), 623 ( a ) ( 1 ) ( A ), 604 ( a ) and must be permanently removed. Given the lack of proper reinvestigation and noncompliance 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 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am filing a complaint regarding serious billing errors and unauthorized charges on my closed Bank of America corporate credit card account ending in XXXX. 

The account was closed approximately XXXX year ago. However, since the closure date, Bank of America has continued to : XXXX. Withdraw money from my bank account without my authorization ( Examples include Int Sch Pymt Transfer and Int Imm Pymt Transfer in varying amounts such as - {$100.00} and - {$280.00} ) XXXX. Charge monthly finance charges, even though the account is closed ( e.g., {$90.00}, {$92.00}, {$110.00} ) XXXX. Charge late payment fees repeatedly ( e.g., {$39.00}, {$49.00} ) XXXX. Fail to apply any of these payments toward the principal balance, which has stayed exactly the same at {$4100.00} for the entire year The account balance has not decreased by even XXXX dollar, despite repeated withdrawals by Bank of America. 
This suggests improper billing practices, including finance charges and late fees being added incorrectly to a closed account. 

I did not authorize any of the automatic withdrawals that Bank of America has been taking from my account, and I was not informed that any charges were still being generated after the account closure. 

I have contacted Bank of America to resolve this matter and requested : a full investigation under the Fair Credit Billing Act ( XXXX ) a refund of all unauthorized payments a refund of all finance charges and late payment fees correction of all improper billing entries

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 2025-11-27 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: AR

Complaint narrative:
I am submitting to formally dispute multiple inaccuracies appearing on my Equifax, TransUnion and Experian credit report, as these errors present a misleading representation of my credit history and financial behavior. Upon reviewing my report, I identified numerous accounts, personal information errors, and inquiries that require immediate attention and correction. I am requesting a thorough reinvestigation of these items in accordance with the Fair Credit Reporting Act ( FCRA ), particularly 607 ( b ), 611 ( a ), and 623 ( a ) ( 2 ), which require consumer reporting agencies to maintain accurate, complete, and verifiable information. 
XXXX XXXX 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 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 XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX XXXX BKPT CT XXXX XXXX XXXX Reference # XXXX XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX XXXX Bankruptcy XXXX  Reference # XXXX XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Federal Reference # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1500.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$630.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4700.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$480.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: AR

Complaint narrative:
I am submitting to formally dispute multiple inaccuracies appearing on my Equifax, TransUnion and Experian credit report, as these errors present a misleading representation of my credit history and financial behavior. Upon reviewing my report, I identified numerous accounts, personal information errors, and inquiries that require immediate attention and correction. I am requesting a thorough reinvestigation of these items in accordance with the Fair Credit Reporting Act ( FCRA ), particularly 607 ( b ), 611 ( a ), and 623 ( a ) ( 2 ), which require consumer reporting agencies to maintain accurate, complete, and verifiable information. 
XXXX XXXX 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 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 XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX XXXX BKPT CT XXXX XXXX XXXX Reference # XXXX XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX XXXX Bankruptcy XXXX  Reference # XXXX XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Federal Reference # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1500.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$630.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4700.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$480.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB
State: TX

Complaint narrative:
On XX/XX/XXXX, Klarna processed a charge for {$27.00} to XXXX under XXXX XXXX XXXX. I did not knowingly authorize any paid XXXX service I am enrolled in XXXX XXXX XXXX ( XXXX ) and have never subscribed to any paid plan. 

On XX/XX/XXXX, XXXX  issued a full refund of {$27.00}, which appears in my XXXX account as : XXXX used to pay purchases on your statement : + {$27.00}. 

Despite the merchant refunding the entire amount, Klarna has not credited the refund to my account. Instead, Klarna continues to show an active balance of {$24.00} and is still attempting to collect payment. Klarna has also denied my dispute, claiming the charge was valid, even though the merchant already reversed it. 

I provided Klarna with proof of the refund and proof that my XXXX membership is free. Klarna has refused to adjust the order, refused to close the balance, and continues to attempt collection for a transaction that no longer exists. 

I am requesting that Klarna be required to apply the refund froXXXX XXXX, update the order to a {$0.00} balance, stop all collection attempts, and correct their billing records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I dont know who this amount and was not aware of this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: AR

Complaint narrative:
I am submitting this letter to formally dispute multiple inaccuracies appearing on my credit report, specifically regarding late-open accounts reported by your bureau. These errors are materially misleading, misrepresent my actual payment history, and negatively impact my creditworthiness. I am requesting a thorough reinvestigation and correction of these accounts under the Fair Credit Reporting Act ( FCRA ), including but not limited to 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), which collectively require credit reporting agencies to maintain accurate, complete, and verifiable consumer information, provide consumers with access to their files, reinvestigate disputed information, and ensure furnishers report only accurate data. 
XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$46.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a follow-up complaint regarding Transunion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a follow-up complaint regarding Transunion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under XXXX U.S.C. XXXX ( a ). 
Under FACTA XXXX XXXX, XXXX XXXX, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, XXXX U.S.C. XXXX of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( XXXX ), codified at XXXX U.S.C. XXXX et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-11-27 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:
I am filing this complaint as the verified owner of my credit file to demand the permanent removal of multiple inaccurate, unverifiable, and misleading items that continue to be reported by Experian, Equifax, and TransUnion despite several prior disputes, causing substantial and ongoing harm to my creditworthiness and financial reputation. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, which reflects a XXXX balance, is still inaccurately reported as a late close by all three bureaus, violating FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), all of which require the removal of information that can not be verified or proven accurate ; yet the bureaus continue to report it despite my documented disputes. The XXXX XXXXXXXX XXXX XXXX XXXX  account XXXX XXXX, showing a balance of {$4400.00}, is still being reported as a charge-off in Experian and TransUnion with no valid documentation, no XXXX, and no proof of lawful furnishing, constituting further violations of FCRA 611 ( a ), FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 605B, 15 U.S.C. 1681c-2, and FCRA 607 ( b ), which mandate that unverifiable or inaccurate information be permanently deleted rather than repeatedly re-reported. Additionally, the XXXX XXXX XXXXXXXXXXXX XXXX collection account for {$1500.00} continues to appear in Experian, Equifax, and TransUnion despite previous disputes, and its continued reportingwithout proper verificationconstitutes a direct violation of FCPA 807 ( 15 U.S.C. 1692e ) and FDCPA 809 ( 15 U.S.C. 1692g ), as it represents deceptive and unverified debt collection activity. These long-standing inaccuracies demonstrate a systemic failure by all three bureaus to maintain reasonable procedures ensuring maximum possible accuracy as required by federal law. I am not requesting correction or update of these items ; I am demanding permanent removal only, as these accounts and inquiries remain unverifiable, misleading, and damaging after multiple investigations that failed to produce valid supporting documentation.

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 2025-11-27 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
In XXXX of XXXX I was denied a checking account because an account with XXXX was opened Fraudulently in my name the account was opened then abused and closed with a delinquent amount for around {$1000.00} or a little over around XX/XX/XXXX. I immediately contacted XXXX XXXX department to dispute this account and I also filed a report with FTC identity theft. XXXX did not respond with a status a claim number. I have been trying to resolve this matter but each time I call I am meet with the same response. The account has to be escalated and I will receive something in the mail within 30 days. I never hear back from XXXX or seem to be able to contact someone that take this matter seriously and try and resolve this and its been about a year. This has caused a negative report with Chex system who stated that this account is valid and because of this I can not open a checking account and has a very difficult and negative impact on my financial wellness and credibility. I feel they have been giving me the run around and pass my concerns to a dead end and time will just go by with no assistance until I am stuck with this ugly fraudulent attack just taunting me with no justification or fairness.

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 2025-11-27 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: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
Help my rights are being violated, XXXX U.S.C. XXXX ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX  days of initial contact. The accounts Ive 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.

Company response to consumer: Closed with non-monetary relief