vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 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: Chime Financial Inc
State: WA

Complaint narrative:
First, XXXX attempted to charge me {$44.00} on XX/XX/XXXX. I accepted what I believed was a free trial, but XXXX immediately attempted to bill me without my consent. I was not told that I had already used a trial or that a subscription was active. XXXX did not notify me before billing, so I had no chance to approve or decline the charge. This unexpected charge also blocked my XXXX ID from downloading important apps. I did not authorize this payment. 

Second, XXXX XXXX delivered unsafe, undercooked food on XX/XX/XXXX. I asked the merchant for a refund because the food was not safe to eat and could not be used. The merchant denied my request. I then disputed the charge with Chime, but that was also denied. 

Both of my disputes were denied even though I did not authorize the XXXX charge and the XXXX XXXX food was unsafe. Chime did not provide clear reasoning or any evidence showing how they reached their decision. I am seeking help because I have not been able to resolve these issues directly with the bank or the merchants.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I requested a balance transfer from Capitol One on two accounts for {$750.00} each on XXXX which was transferred to no interest account but amount of {$750.00} was put back on the existing accounts as a purchase. Added to the current balances. Which at the time of requesting the transfers was approximately {$1400.00} which I paid down from {$2000.00} on both accounts and are now an estimated {$2100.00} with interest accruing daily. I called Capitol One on XXXX, spoke to person identifying as an account specialist/manager states it in in disclosure and is the procedure. Advised her I have no knowledge of this and being advised by the customer service rep at the time of service had very poor XXXX and I did not understand or comprehend her. Only saying repeatedly its procedure. Again, it was a transfer not a purchase and makes no sense. Why would I want to add to my current debt of {$3000.00}. She stated it would be a good training tool for the representatives ; this is not my responsibility to provide scenarios for the paid representatives of Capitol One, I am a XXXX  XXXX and unable to afford to pay these new balances which is why I requested the transfer I am being double billed it is being treated as a purchase not a transfer. She went on to state they do many many transfers daily, once again it makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: MD

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: TX

Complaint narrative:
Transunion you reported to XXXX XXXX { Transunion } XXXX XXXX XXXX  is close but your report still states its open, also in contacting XXXX XXXX they state they are no longer reporting to my account. also remove phone numbers, address wrong, and remove income to none

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 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: IL

Complaint narrative:
I am filing a complaint about a fraudulent and unauthorized {$1000.00} collection account that IQ Data International reported to my credit. I never signed a lease, rental application, or any agreement with XXXX XXXX XXXX/ XXXX  XXXX XXXX. I was never a tenant, co-tenant, guarantor, or financially responsible party. My name was added without my knowledge or consent. 

Because I never signed any documentation or agreed to any financial responsibility, I am not legally responsible for this debt. Reporting this debt on my credit is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This is improper credit reporting and misuse of my personal information.

I am requesting that the CFPB require : 1. IQ Data International to delete this collection account from all credit bureaus 2. XXXX XXXX XXXX/ XXXX  XXXX XXXX  to remove my name from all records 3. A full investigation into the fraudulent use of my name and credit information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX -- Balance : {$920.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX  # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX -- Balance : {$630.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX -- Balance : {$1000.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I legally changed my name in the courts so I asked if my old debt can be put on my new name so it wouldnt be a problem so it can be easy to verify me and easy for me to get another vehicle but its not showing no score for me at all on neither credit bureau

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 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EXPERIAN, XXXX XXXX Subject : Request for Removal of Late Payments from Credit Report Dear Sir/Madam , I am writing to formally request a review and removal of the late payments reported on my credit file. I understand that maintaining a positive credit history is crucial, and I am committed to improving my financial standing. However, I would like to address the late payments listed on my credit report for the account ( s ) referenced below : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Late Payment : XX/XX/year> The reason for the late payments was due to MY WALLET WAS STOLEN I want to assure you that I took immediate action to resolve this issue as soon as I became aware of it. Since that time, I have made every effort to maintain my account in good standing. 

Given the circumstances and my commitment to responsible financial management, I kindly request that you consider removing the late payment ( s ) from my credit report. I understand that your office may have specific guidelines regarding these types of requests, but I am hopeful that you can make an exception based on my explanation and history of good payment behavior following this issue. 

Please let me know if you require any additional information or documentation to process my request. I appreciate your time and consideration and look forward to your prompt response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: FL

Complaint narrative:
I am submitting this statement to report fraudulent activity on my credit report. I did not apply for, open, authorize, or have any knowledge of the accounts in question. I have never received any products, services, funds, or benefits from these accounts. These accounts were opened without my permission and are the result of identity theft.

I first discovered these fraudulent accounts while reviewing my credit report. I immediately took action by filing disputes with the credit bureaus and reporting the identity theft. I have provided supporting documentation, including proof of identity and a police/FTC identity theft report.

I am requesting that these fraudulent accounts be blocked and permanently removed from all credit reporting systems, as required under the Fair Credit Reporting Act ( FCRA ).

The accounts being reported are not mine, and I have never had any affiliation with them.

Thank you for your urgent attention to resolving this matter.

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 2025-11-30 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: FL

Complaint narrative:
I am submitting this statement to report fraudulent activity on my credit report. I did not apply for, open, authorize, or have any knowledge of the accounts in question. I have never received any products, services, funds, or benefits from these accounts. These accounts were opened without my permission and are the result of identity theft.

I first discovered these fraudulent accounts while reviewing my credit report. I immediately took action by filing disputes with the credit bureaus and reporting the identity theft. I have provided supporting documentation, including proof of identity and a police/FTC identity theft report.

I am requesting that these fraudulent accounts be blocked and permanently removed from all credit reporting systems, as required under the Fair Credit Reporting Act ( FCRA ).

The accounts being reported are not mine, and I have never had any affiliation with them.

Thank you for your urgent attention to resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
CFPB Complaint Template Complainant Information : Name : XXXX XXXX Phone : XXXX Email : XXXX Business Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Summary : On XX/XX/year>, I applied for a second business credit card with Capital One for XXXX XXXX XXXX. 
The card was approved, but without any notification, Capital One placed a fraud hold on all my accounts, including XXXX XXXX, XXXX. 
Timeline : - XX/XX/year> : Application approved. 
- XX/XX/year> : Requested documents. 
- XX/XX/year> : Documents submitted. 
- XXXX : Multiple calls ( approx. 5 ) to Customer Service, each lasting about an hour. 
Representatives stated they could not contact the fraud department and advised me to wait for a callback. 
- Fraud department called twice in two weeks, both missed while traveling. 
- XX/XX/year> : Requested escalation to Executive Office. Spoke with XXXX ( ID XXXX ), who stated Capital One is within compliance and opened an escalation without providing a reference number. 
Impact : - Utility providers threatening service termination. 
- XXXX requiring alternate payment to avoid website shutdown. 
- Significant time lost and business disruption.

Desired Resolution : - Immediate removal of fraud hold. - Direct communication from fraud department within 48 hours. - Written confirmation of escalation and timeline.

I am filing this complaint because Capital Ones internal processes and lack of communication have caused severe harm to my businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Synergetic Communication Inc
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> Synergetic Communication , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX RE : Cease and Desist Unauthorized Collection Activity and Credit Reporting ( FDCPA & FCRA Violations ) To Whom It May Concern, I am writing to formally demand that you immediately cease and desist from all collection activities and credit reporting related to the alleged debt currently being reported on my credit file. 

I did not authorize this account to be placed on my credit, and you have not provided proper validation as required by federal law. Your continued attempts to collect or report this account may violate multiple consumer protection laws, including : 15 U.S.C. 1692c ( FDCPA ) : Restrictions on communication and contacting consumers after a cease and desist request. 
15 U.S.C. 1692g ( FDCPA ) : Requirement to provide full written validation of a debt upon request.

15 U.S.C. 1681e ( b ) ( FCRA ) : Obligation to ensure maximum possible accuracy in credit reporting.

Your failure to provide complete validation, combined with continued reporting or collection efforts, may constitute violations of these statutes.

I am demanding that you : 1. Immediately stop all collection attempts, including calls, letters, emails, or any third-party contact.

2. Remove any negative credit reporting related to this alleged debt if you can not fully validate it under 15 U.S.C. 1692g.

3. Provide written confirmation within 10 business days stating that all collection activity has ceased and any inaccurate reporting has been corrected. 

If you continue to contact me or report inaccurate information, I will pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  Attorney General. 

This letter serves as a final notice. Nothing in this correspondence shall be interpreted as a waiver of any of my rights, all of which are expressly reserved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I received a promotional email from Capital One Shopping titled " Activate Rewards on items like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' The email was personalized, stating " You last viewed XX/XX/XXXX '' for this specific product, and offered 22.5 % in rewards ( up to {$1000.00} ) on a XXXX XXXX deal, with an " Unlock Your Offer '' button. The email specified that to qualify, I must click the offer button and complete the purchase at the merchant 's site in the browser within XXXX hours. 

Relying on this offer, I clicked the " Unlock Your Offer '' button on or around XX/XX/year>, and proceeded to purchase the exact promoted item through the Capital One Shopping App XXXX XXXX XXXX XXXXXXXX XXXX XXXX graphics card ) from XXXX XXXX for {$990.00} plus Florida sales tax. I completed the purchase in the same browser session, using an eligible payment method ( credit card, not gift cards or rewards ), with no coupons outside those provided by Capital One Shopping, and no modifications, cancellations, or returns.

Shortly after, I received a notification that the purchase was " ineligible '' for rewards. On XX/XX/year>, I contacted Capital One XXXX support regarding this ( case # XXXX ). They responded the same day via email from a customer service agent, providing a list of generic reasons for ineligibility ( e.g., excluded item, expired offer, ineligible payment ) without specifying which applied, and stated they could not review order details until after 30 days from the purchase date. They requested an itemized receipt for further review after that 30 day period - meaning the appeal can not be made until after the return window has closed. 

The email promotion featured this graphics card prominently and the offer link took me directly to the specific product 's page, but the fine print excluded " computer cards & components, '' which this item appears to fall under, creating a misleading impression. I would not have made this purchase without the promised 22.5 % rewards, as it was induced by the targeted offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX -- Balance : {$920.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX  # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX -- Balance : {$630.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX -- Balance : {$1000.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief