vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
Well it all started with mypay its suppose to be something that gives you an extra XXXX when you get a certain amount of direct deposit its their way of thanking you for banking with them, this is what they told me! Until I actually got it at first I didnt notice because of the hours I work over time makes my check looks big until they cut overtime then I started to notice the XXXX is coming out of my paycheck so if I get paid XXXX Ill really have XXXX and if I get paid XXXX Ill have XXXX but thats not it they give me like XXXX dollars a day to add up to XXXX and most of they time is XXXX or XXXX which is not ok I missed payments because of this and almost evicted I had to go get a loan that I still pay on in order to pay my rent and car note like its way too much to handle honestly I just dont know what to do anymore because when I call them the men dont want to talk they wan na argue but women talk to me and they try to help but when they send me to a man they tell me thats there money n I owe them but Im confused on how cause I mean I never had a problem adding or subtract my own money until I dealt with this, They dont want to help me n I just wanted my money back thats all man honestly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: FL

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

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

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

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

Company 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 2025-07-12 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : 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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I opened a new acct. With Citi Bank two months ago. It was a balance transfer and I made no further purchases. I down loaded their banking app. In order to go online to make pmts. The first month pmt for XXXX I made XX/XX/XXXX. The pmt was due on the XXXX of the month. A week past due date, I noticed it still hadn't left my acct. So i called. I was told it came back insufficient funds which I new that didn't happen. Had them tell me the info they had. They had it being with drawn from a savings which is a whole other acct. # from the checking acct.I gave them, and which I never use. Which I expressed and supposedly had it straightened out, supposedly they had it all correct now. The very next month in XXXX I go on their app. Again to pay my bill way before the due date. It happened again! It didn't come out of my acct. So I call and starting to get irritated with the whole thing. My bank was charging me over drafts cause i was paying from an account i had no money in, they were charging me for returned checks! I called my bank to see if they knew what what happening. They informed me that they were with drawing from savings which was a whole other acct. Number that i never gave them. They read my checking acct # back to me the first time i called? I had my bank shut that acct down. Then i called Citi and asked to speak to a manager this time. I said i don't know who's XXXX  XXXX  but my bank tells me you're withdrawing from a saving acct. With my checking acct. #? He tells me that's the info they have that is a saving acct. It's to be with drawn from? I'm losing patience that I don't have. I said, look I went thru this already with you people, i went on your app and paid my bill twice way before it's due, so i don't know if it's in the app or people there but one of the XXXX is XXXX  XXXX. He goes that's what you have savings. Yet he reads my checking acct. Number. It's not savings and that's not a savings acct. Number! How many times do i have to say it?! He hung up on me. I knew right then i wasn't dealing with these people another minute. So i called a diffrent credit card company and transferred my balance minus my two payments plus some interest fee which there wasn't suppose to be interest for 15 months. But i want paying their return check fees. So after my new credit card sent them the money, i noticed they closed my acct. Yet have XXXX something dollars as my balance. Where they came up with that XXXX only knows but they can eat it. They are the most unprofessional rude people which in turn makes me want to be rude back that I don't like. So I'm just making a complaint so buyers can beware.

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 monetary relief
Consumer complaint received 2025-07-12 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: IN

Complaint narrative:
I am reporting identity theft by Experian, Equifax, and TransUnion. These credit reporting agencies have bought, sold, or shared my personal informationincluding my name, SSN, and credit historyfor monetary gain without my knowledge or consent. This fits the legal definition of identity theft : the unauthorized use of personal identifying information for financial benefit. I never granted permission for my data to be commercialized. These actions violate my privacy rights and constitute unfair and deceptive practices under federal law. I request an immediate investigation, a cease and desist on any further unauthorized use of my data, and disclosure of all entities who have received my information. I am filing this complaint with both the FTC and CFPB and consider this a formal report of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: GA

Complaint narrative:
I disputed an inaccurate account from XXXX XXXX XXXX on my TransUnion credit report. I requested proof that this account belongs to me, but TransUnion did not provide any documentation. Instead, they marked the account as verified without verification. On XX/XX/year>, I spoke with Supervisor XXXX XXXX, who told me that I must contact XXXX XXXX XXXX myself to get proof. This is incorrect and violates the Fair Credit Reporting Act ( FCRA ), which requires TransUnion to verify disputed information directly with the furnisher. I have disputed the account multiple times and still have not received proper verification. I am requesting immediate removal of this inaccurate account.

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 2025-07-12 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
dispute inaccurate information reporting on credit report no update and no statement sent these account closed -reporting open with balance and late charges -thats incorrect request removal immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Per the court they do both report bankruptcy and stated they have no records of me filing. They also stated the credit bureau should remove due to they do not report and information is incorrect

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Per the court they do both report bankruptcy and stated they have no records of me filing. They also stated the credit bureau should remove due to they do not report and information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I ahve been out of the country for lmoar 15 years and i will come and visit from time to time i came to usa again in XXXX and left again and XX/XX/XXXX came back permanelty but my credit history and information was stolen an now my credit is ruini have been contacting the credit company to advice but getting resolved as just they are investigating but mean while my credit has been destroyee

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: Klarna AB
State: VA

Complaint narrative:
There is a charge on my credit report under my name for an account that I have no knowledge of, I had never heard of or signed up to open anything under the company that's charging me. I did not receive any notices for any account charges prior to anything being sent to collections I have reached out for information on this account to prove that it's me but nothing has been sent to me. I have disputed it several times only to be sent a message back saying the dispute is complete information is correct without anything showing me the accuracy. I would like this information removed from my credit report and my score updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Columbia Debt Recovery XXXX dba Genesis is attempting to collect about {$1500.00} from a lease at XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and is reporting this on all three credit bureaus, harming my credit standing. 
This alleged debt is for the rent after my spouse and I moved out. However, before we moved out, I personally spoke multiple times with different staff at the leasing office, who all confirmed our account was in good standing and everything was okay. On XX/XX/year>, the property manager, XXXX XXXX, provided and signed the formal move-out acknowledgment form stating our lease had terminated early, and that we only owed the prorated rent for the move-out month, which we paid. She signed the notice stating : 'We consent to the move-out date stated above, and your lease contract term will end on that date '. This means I owed no future rent. About 6 months later, the landlord suddenly sent an email demanding over {$10000.00}, then reduced it without explanation to about {$1500.00}. This drastic, unexplained change in claimed amounts, after they had repeatedly confirmed our lease was settled, is beyond unreasonable. It appears intentionally aggressive, especially considering our follow-up emails nd calls that were ignored. The only reply we ever received was an email on XX/XX/year> from XXXX 's receivables team assigning the case to XXXX XXXX XXXX who never followed up. All further emails and calls were ignored. 
Meanwhile, Columbia Debt Recovery began reporting this on my credit reports before even sending me the required written FDCPA violation notice, violating 15 U.S.C. 1692g.

They only emailed about this debt after it was already harming my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was checking my credit report and found this that I don't recognize.XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I requested validation of a debt allegedly owed to [ Collection Agency Name ]. They failed to provide a copy of the original signed agreement and the full chain of custody showing the assignment of the debt. Under 15 U.S.C. 1692g ( b ) of the FDCPA, they must cease collection efforts until validation is provided. They have continued to report this unverified debt to credit bureaus, violating 15 U.S.C. 1681s-2 of the FCRA. I am requesting that the CFPB investigate and that this debt be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I was contacted via text message on XX/XX/year> by Credence Resource Management about an alleged XXXX debt. I was not given any prior written notice of the debt, as required by the FDCPA ( 15 U.S.C. 1692g ). The text message offered a settlement with time-limited language, which may also violate provisions against overshadowing my right to dispute. I never gave this company permission to contact me by text. I have requested full validation of the debt and have informed them to cease all communication except by mail. They may be in violation of the FDCPA and CFPB Regulation F.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: CA

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

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

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

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

Company 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 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I made a payment. My bank returned even though I had enough in my account to cover the payment. After receiving my payment in full. Capital one closed out my account without telling me nothing was in writing and the explanation was because my bank returned the payment. I was on a XXXX way call with my bank and with Capital One the bank confirmed I had enough money to cover the bill and the understanding was that they would post my payment I would have available credit and access to use my card. The money from my bank account has been sent to Capital One for payment so I no longer have access to that money. It was a lump sum meant to cover the card balance. I am XXXX on a fixed monthly income and that was all I had left and now it's gone. I don't have access to any money. This is an extreme hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I found accounts and inquiries on my account that dont belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/XXXX To Whom It May Concern : Subject : Formal Dispute of Fraudulent Accounts & Request for Immediate Deletion Due to XXXX Equifax Data Breach I am writing to formally dispute multiple fraudulent and inaccurate accounts that have been reported on my credit report. These accounts are not mine and are directly connected to the XXXX Equifax data breach, during which my personally identifiable information ( PII ) was compromised. I am also filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) due to the severity of the issue and your legal obligations under federal law. 



These fraudulent accounts are listed in a sworn complaint I have filed with the Federal Trade Commission ( FTC ), and I am demanding that all such accounts be removed from my credit file within four ( 4 ) business days from the date of your receipt of this letter, as they are the result of identity theft and unauthorized use of my personal information.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are legally required to ensure that all information furnished in consumer reports is accurate and verifiable. Specifically : 15 U.S.C. 1681i ( a ) ( 5 ) requires that unverifiable or inaccurate items be promptly deleted from a consumers file.

15 U.S.C. 1681c-2 also allows a consumer to request the blocking of information resulting from identity theft.

As ruled in Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ), credit reporting agencies have a duty to conduct a reasonable reinvestigation and may be held liable for failing to do so.

In Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ), the court held that CRAs can be held accountable under the FCRA for willfully failing to correct or remove inaccurate information.

I am invoking my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), and I demand the immediate deletion of the following inaccurate accounts, which are directly associated with the aforementioned breach and identity theft : Attached to this letter are the following documents for your review : Copy of my government-issued photo ID Proof of databreach Copy of the FTC Identity Theft Report If you fail to remove the inaccurate information from my credit file within four ( 4 ) business days as requested, I will be forced to escalate this matter through legal channels, including filing a complaint with the CFPB, the FTC, and my state attorney general. I also reserve the right to pursue a civil action for damages pursuant to 15 U.S.C. 1681n and 1681o.

This letter serves as formal notice. Govern yourselves accordingly. 



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