vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Climb Credit Inc.
State: WA

Complaint narrative:
A false program using XXXX as a book seller, false promises about a coding bootcamp that taught nothing. I signed a contract and was told after the first lesson I couldn't ; t get out of it. They taught no coding. I am not a student and I know nothing about coding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/year>, I discovered unauthorized transactions totaling {$1100.00} from different merchants on my Bank of America account. I did not authorize or make these purchases. 

I immediately contacted Bank of America and filed a fraud/dispute claim. After review, Bank of America denied my claim, stating that the charges were valid because of a signature. However, I did not sign for or approve these transactions. The signature they relied on is not mine. 

At the time of the transactions, I was at soccer practice, and I can verify that I was not at the merchants in question. I did not receive the goods or services, and I did not benefit from these transactions in any way. 

I explained this to the bank and requested further review, but they closed the case and held me liable for the {$1100.00} in unauthorized charges. 

I am requesting that Bank of America : 1. Reopen my dispute and fully investigate the fraudulent charges.

2. Provide documentation of the signatures they relied on and compare them against my actual signature on file.

3. Refund the full unauthorized amount of {$1100.00}, in accordance with the Fair Credit Billing Act and Regulation E, which protect consumers against liability for unauthorized transactions.

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 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Account was restricted due to a dispute I filed on XX/XX/year> it is now XX/XX/year> and they will not let me have access to any of the money in my account due to this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: SC

Complaint narrative:
LexisNexis Risk Solutions XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Notice of FCRA Violations and Settlement Demand on Behalf of Two Consumers To Whom It May Concern, We are writing to provide formal notice of violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and related state consumer protection laws, arising from LexisNexis mishandling of our sensitive personal information.

For more than one year, LexisNexis has negligently mixed and falsely reported our identities, including reporting the same date of birth across two different Social Security numbers. Despite our awareness of and attempts to correct this problem, LexisNexis has failed to properly investigate or resolve the inaccuracies. As a result, false information has been repeatedly disseminated to third parties, damaging both of our credit standings, insurance assessments, and reputations. 

Violations Identified Failure to ensure maximum possible accuracy of consumer reports ( FCRA 1681e ( b ) ) Failure to conduct proper reinvestigation of disputed information ( FCRA 1681i ) Publication of false and defamatory information to third parties Emotional distress and mental suffering caused by LexisNexis negligence Damages Suffered by Both Consumers As a direct result of LexisNexis conduct, each of us has suffered : Credit denials and increased insurance premiums Reputational harm and defamation of character Emotional distress, mental anguish, and financial loss Prolonged injury due to LexisNexis failure to correct the issue for over one year Fair Settlement Offer To resolve this matter without litigation, we are willing to settle under the following terms : Immediate correction and separation of our files to ensure no further mixing of information.

Written confirmation that LexisNexis has corrected the inaccuracies and notified all third parties who previously received the false information. 

Notice of Legal Action If LexisNexis fails to resolve this matter within 30 days of receipt of this letter, we will pursue all available legal remedies, including filing suit in federal court. Please note that under the FCRA, we may be entitled to statutory damages, actual damages, punitive damages, and attorneys fees.

We urge LexisNexis to address this matter seriously and respond promptly to avoid escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I am writing to file a formal complaint against TrueAccord Corporation for reporting an account to my credit file without my knowledge, consent, or any form of communication. I have never had any business relationship or financial dealings with this company. I was never notified, never contacted, and never agreed to allow TrueAccord to report any alleged debt to any consumer reporting agency on my behalf. 

I did not sign any agreement or provide authorization for my personal information to be shared or used by TrueAccord Corporation. There is no wet signature. There is no proof that I knowingly, willingly, or lawfully entered into any arrangement that allows them to report a tradeline or collection to my credit file. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

It is not only unfair and deceptive, but also unlawful to furnish data to the credit bureaus without verifying that the consumer has been informed and has consented to the debt. This company failed to validate or verify this alleged debt with me prior to the credit reporting. I was not provided with a dunning letter, verification documents, or any correspondence via mail or email. They skipped every legal step and damaged my consumer file in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Netspend Corporation
State: AL

Complaint narrative:
I got an email from netspend about my account i emailed them back and said what account if I have XXXX in my name I didnt open it what is my account Information if I have XXXX under my social security number and name and they refered me here

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 2025-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
XXXX reports the account has been sold to XXXX and XXXX has not sent any validation of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: HI

Complaint narrative:
On XX/XX/XXXX, I attempted to activate my Chime debit card to access the Pay Anyone feature, but the app kept giving me an error : Something went wrong. Please try again later. 

I followed every troubleshooting step recommended : force closing the app, reinstalling it, and switching networks. 
None of these resolved the issue. 

I then contacted Chime support. The representative ordered me a new physical card and assured me that I did not need the card in hand to use the Pay Anyone feature. However, after they deactivated my original card, I was completely locked out of Pay Anyone, and the app still required card activation. This directly contradicted what I was told and left me unable to access basic account functions. 

I tried escalating the issue, but the first time I was transferred to a supervisor, the call was disconnected. I called back, had to repeat the entire situation from the beginning, and was placed on another long hold to speak to a supervisor again. The second call was also disconnected before I ever reached them. I received no follow-up and no meaningful resolution after either attempt. 

Ive been a Chime member since XXXX. This was a preventable service disruption caused by an internal error and worsened by support giving confusing, contradictory, and incorrect information. Ive attached screenshots showing : The app error messages My troubleshooting attempts Contradictory responses from Chime agents Acknowledgment that this was a known issue The card being deactivated before any resolution was reached This experience was unnecessarily stressful, incredibly time-consuming, and left me unable to use features I relied on. I acted in good faith and followed every instruction yet I was misled and locked out of key services due to errors entirely on Chimes end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
American Express owes me {$10000.00} and has admitted this obligation multiple times. Beginning in XXXX, 2025, I have contacted the company at least XXXX times. On each occasion, American Express acknowledged the debt and assured me that a check had been issued and would arrive within XXXX business days. 
Despite these repeated promises, no payment has ever been delivered. Each new follow-up resulted in the same acknowledgment and the same assurance, but without performance. This has now continued for over XXXX months. 
This does not appear to be a simple mailing or clerical error. The repeated cycle of acknowledgment, promise, and nonpayment suggests a deliberate internal policy or systemic delay practice. If true, this would affect not only me but other American Express customers similarly owed funds. 
I have already reported this matter to the New York Attorney General, since American Express is headquartered there. I am filing this complaint to request CFPB oversight and to determine whether this is part of a broader pattern of misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC
State: AZ

Complaint narrative:
Current balance $ XXXX {$310.00} identity theft and wire fraud credits= {$170.00}. These are an identity theft and wire fraud issues created by XXXX XXXX and are not to be on my credit reports at all. Remove at once off all CRA 's. What is the lowest amount of money Frist Source Advantage LLC will accept to resolve this matter?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. Other reviewing my credit reports I notice some accounts I am not familiar with. I have ask the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC compliant reporting the information I am not familiar with. 

Please find attached a copy of my ID, The FTC complaint and a validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: NY

Complaint narrative:
I request that : The fraudulent XXXX account be removed in full from my credit reports at Experian, TransUnion, and Equifax under my rights provided by FCRA Section 605B.

If Discover maintains that this account is valid, they must immediately provide documentary proof of authorization in compliance with FCRA Section 609. If they can not, the account must be deleted.

The credit bureaus conduct a reasonable reinvestigation as required by FCRA Section 611, not a superficial verification process. 

If these violations are not corrected, I will have no choice but to explore my legal remedies under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), which allow consumers to pursue civil action and statutory damages for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
I bought a Vanilla visa gift card and im trying to buy something online with it and no matter where i try the payment wont go through

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
On XX/XX/year>, I was unexpectedly locked out of my Marcus account without any explanation or guidance on how to regain access. Despite multiple follow-ups, I was repeatedly told to wait, with no timeline or actionable steps provided. XXXX  turned into months with no updates or clarification.

Eventually, during one of my many calls, I was informed that my account had been flagged as belonging to a deceased individual. Marcus representatives were unable to explain how this error occurred or what I could do to correct it. I was left in a state of uncertainty, deeply concerned that this misinformation might have been reported to credit bureaus, potentially affecting my credit profile during a critical timeI was actively shopping for a home and preparing for mortgage approval.

Fortunately, I had moved most of my assets out of Marcus prior to the account lockout. Had I not done so, the inability to access my account could have severely impacted my ability to provide financial documentation to my mortgage broker. 

After XXXX months and XXXX phone calls, I finally regained access on XX/XX/year>. This process required me to locate a notary, complete an identity affidavit containing sensitive personal information ( including my Social Security number ), and mail it via XXXX. I was not initially informed that this step would be necessary, and only after further follow-up was I assured that the request was legitimate. 

While the issue appears to have been internal to Marcus and did not result in lasting damage, the experience was extremely stressful and could have had serious consequences for both my financial stability and mental well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: MN

Complaint narrative:
The following account and hard inquiries currently listed on my Experian, XXXX  and XXXX XXXX credit report is a fraudulent and unauthorized account and not my hard inquiries : XXXX, {$250.00}, XXXX XXXX XXXX Collections account from XXXX XXXXXXXX XXXX XXXX XXXX {$220.00}, XXXX XXXX XXXX Collections account from Bank XXXX Missouri, {$350.00}, XXXX XXXX, XX/XX/year>, XXXX Bank XXXX, XX/XX/year>, XXXX XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX XXXX XXXXXX/XX/year>, XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX, XX/XX/year>, XXXX XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX, XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: OR

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had my business account " Dh appraisals XXXX '' for the last XXXX XXXX  and all went well, I opened a new business And opened a new Corporation and new bank account, By the name of " XXXX XXXX XXXX XXXX '' I opened the new account by XXXX a month ago, I ordered the chase pos system to charge cc for the store and the receipt had my home address on it, so I changed the address yesterday by the branch to the physical business address, and today all my accounts were shut down! When I asked what happened, the answer was that the physical business address is on high alert and on a red flag by chase, I need emergency help asap to have my accounts reopened. 
Please see what can be done! 
I really appreciate it, thanks so much! 

I have all the documents to show that its all a new business and I have a lease to show that I'm just a renter. 

Feel free to call me with any questions or info needed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I am writing to dispute the inaccurate information contained in my Early Warning report. I obtained a copy of my report on XX/XX/year>, and can confirm that I never opened these accounts since I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: MN

Complaint narrative:
when i checked all my credit report and other consumer accounts i noticed accounts of identity theft.

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 2025-09-07 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: TX

Complaint narrative:
I discovered fraudulent accounts on my credit report that do not belong to me. My information was compromised in the Equifax data breach, and ever since, Ive been dealing with the damage. These accounts are hurting my credit and making it harder for me to move forward financially. Despite providing proof of identity theft, the accounts remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: MN

Complaint narrative:
The following accounts currently listed on my XXXX XXXX, Experian and XXXX  credit report, are paid in full : XXXX XXXX, {$550.00} and XXXX XXXX XXXX Bank, {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : Credence Resource Management , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account # XXXX Alleged Balance : {$1800.00} NOTICE OF DISPUTE & DEMAND FOR VALIDATION I am formally disputing the alleged debt listed above. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2 ( b ) ), I demand full validation and investigation of this account. 

Validation Required Provide a legible copy of the original signed contract, the complete chain of assignment/ownership, and documentation proving your legal right to collect this debt. 

A bill, invoice, or generic statement does not constitute validation under federal law. 

Credit Reporting Obligations If you can not validate, you must immediately delete this tradeline from Experian, Equifax, and TransUnion.

Reporting unverifiable or inaccurate information is a violation of 15 U.S.C. 1681s-2 ( b ).

Collection Activity Until full validation is provided, you are required to cease all collection activity in accordance with FDCPA 809 ( b ). 

Failure to provide proper validation within 30 days of receipt will result in a demand for deletion of this account from all credit files. Non-compliance will be escalated to the CFPB, FTC, and State Attorney General, as well as potential civil litigation for damages under both FDCPA and FCRA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: WA

Complaint narrative:
On XX/XX/year> a collection populated for {$1600.00} from Southwest recovery service on my credit report and my husbands. We have no knowledge of this claim as we never received notice prior to populating as a collection. We have resided in our current residence for almost 2 years. This is a false claim and multiple efforts have been sent via other avenues to have it removed as invalid.

Company response to consumer: Closed with explanation