vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 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: Kriya Capital, LLC
State: TX

Complaint narrative:
In 2017, XXXX  XXXX experienced a massive data breach that exposed the sensitive personal information of approximately XXXX XXXX Americans. This breach included names, Social Security numbers, dates of birth, addresses, and in some cases, drivers license numbers and credit card information. I am one of the individuals whose information was compromised in this breach. I did not authorize the release or use of my personal information in any way. Since the breach, fraudulent accounts have been opened using my identity. These accounts were not initiated, approved, or recognized by me. The misuse of my personal data has affected my financial reputation, and I am requesting that all fraudulent entries on my credit reports be blocked and permanently removed under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2 ( a ). I am submitting this statement as part of my identity theft report to assist with investigations and to support my request for corrective action by the credit bureaus. I respectfully request that all necessary steps be taken to protect my identity, prevent further misuse of my personal information, and repair the damage done as a result of this breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: Ability Recovery Services, LLC
State: TX

Complaint narrative:
In XXXX XXXX XXXXXXXX experienced a massive data breach that exposed the sensitive personal information of approximately XXXX XXXX Americans. This breach included names, Social Security numbers, dates of birth, addresses, and in some cases, drivers license numbers and credit card information. I am one of the individuals whose information was compromised in this breach. I did not authorize the release or use of my personal information in any way. Since the breach, fraudulent accounts have been opened using my identity. These accounts were not initiated, approved, or recognized by me. The misuse of my personal data has affected my financial reputation, and I am requesting that all fraudulent entries on my credit reports be blocked and permanently removed under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2 ( a ). I am submitting this statement as part of my identity theft report to assist with investigations and to support my request for corrective action by the credit bureaus. I respectfully request that all necessary steps be taken to protect my identity, prevent further misuse of my personal information, and repair the damage done as a result of this breach.

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 2025-12-21 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX, Date of Birth : XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXX BALANCE : {$0.00}, XXXX XXXX XXXX XXXX XXXX : {$1200.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TN

Complaint narrative:
chime closed my account on XXXX XXXX XXXX when there was over {$200.00} in there I dont know the exact amount and all they told me is there was suspicious activity with a deposit but the only money that ever goes into that account is {$300.00} every other week from my paycheck I have no other deposits go into that account and no matter how hard I try they can give me no further information and say theres nothing further they can do to help me and really arent telling me where the money thats in. Theres gon na go if Im gon na get it back and how. Ive had this account for a couple of years and have never done anything different or got deposits from anywhere other than my job.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX XXXXXXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Inaccurate/ Account Reporting I am disputing the accuracy and completeness of this account currently appearing on my credit report, While this account is reported by your bureau, it is not reported by Experian, raising concerns regarding the completeness, accuracy, and verifiability of this account data. Under the Fair Credit Reporting Act ( 15 U.S.C. 81681e ( b ) and 81681i ), consumer reporting agencies are required to maintain maximum possible accuracy and to delete information that can not be verified. 
Please conduct a full reinvestigation and provide documentation supporting this reporting, including verification from the original court source. If this information can not be fully verified, please delete it from my credit file. Additionally, please confirm the source of this public record and the method used to verify its accuracy. 


Public Record from a XXXX  XXXX bankruptcy discharged on XX/XX/XXXX. 
I previously disputed this public record stating : " I dont recognize this public record. Please provide proof from the court of this public record. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and verification of this record from the court, or delete this public record. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 81681e ( b ) and 81681i ), consumer reporting agencies are required to maintain maximum possible accuracy and to delete information that can not be verified. 
Please conduct a full reinvestigation and provide documentation supporting this reporting, including verification from the original court source. If this information can not be fully verified, please delete it from my credit file. Additionally, please confirm the source of this public record and the method used to verify its accuracy

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 2025-12-21 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On [ XXXX ], I sent a XXXX XXXX of {$410.00} from my Bank of America checking account to a seller I met on XXXX XXXX for the purchase of a product. The seller represented that the product existed and would be delivered after payment. After receiving the funds, the seller stopped communicating and never provided the product or any shipping or tracking information. 

Within less than one hour of the transaction, I contacted Bank of America to report the issue and request assistance, explaining that the payment was induced by false representations and that the seller never intended to deliver the item. I was informed that the transaction was not initially treated as fraud because the payment was authorized, despite the circumstances indicating a scam. 

This transaction was authorized based on intentional misrepresentation and constitutes fraud by deception, not a legitimate purchase. I requested that Bank of America investigate the XXXX transaction and attempt recovery, but the issue has not been resolved. I am requesting assistance to have Bank of America properly review this XXXX scam and take appropriate action.

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 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: MO

Complaint narrative:
Between XX/XX/2025 and XX/XX/2025, I identified approximately XXXX unauthorized electronic fund transfers from my checking account made using my U.S. Bank debit card through XXXX XXXX, which is directly linked to my checking account. These transactions were processed by offshore online casino and gambling merchants that I did not authorize. 

I did not knowingly authorize these transactions, did not consent to my debit card being used for gambling-related payments, and did not personally authenticate or approve these transfers through XXXX XXXX. I did not receive the benefit of the funds withdrawn. 

I reported these unauthorized transactions to U.S. Bank and filed a fraud claim on XX/XX/2025. The bank issued partial provisional credit, which did not cover the full amount of the disputed transactions. The bank later reversed a portion of the provisional credit while the investigation remains pending, without providing documentation showing proof of authorization as required under Regulation E ( 12 CFR 1005 ).

In addition to the unauthorized transactions, processing and transaction-related fees were assessed to my account as a direct result of these electronic fund transfers. These fees were also charged and later taken back or applied to my account, increasing my negative balance. I did not authorize these fees, and they would not have occurred but for the unauthorized electronic fund transfers. 

At no point did U.S. Bank lock my debit card, suspend transactions, or send any real-time alerts asking me to confirm whether these transactions were authorized. I did not receive text messages, app notifications, or calls requesting verification, despite the high volume and repetitive pattern ( approximately 178 transactions ). The debit card remained active, allowing additional unauthorized transactions and related fees to occur.

I dispute the banks reversal of provisional credit, the failure to credit the full disputed amount, and the handling of this fraud investigation. I am requesting that U.S. Bank comply with Regulation E by providing documentation showing that I authorized these electronic fund transfers, and by correcting my account to include reimbursement of the full disputed amount and all related fees.

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 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Have requested by phone past statements ( XX/XX/XXXX through XX/XX/XXXX closed account ) for a divorce litigation. Have been told several times that they have no access to this account or have no records available.

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 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally file a complaint against JPMorgan Chase Bank for failing to honor the relief measures that were publicly communicated in connection with the recent U.S. government shutdown, which directly impacted me financially.

Chase had stated that eligible customers affected by the government shutdown would receive relief, including the waiver or refund of interest charges for the impacted billing periods. Despite being eligible and impacted, interest charges were applied to my account for two separate months. These charges should never have been assessed under the stated relief program. 
After contacting Chase to request correction and a refund of the improperly charged interest, I was informed that although the relief was mentioned, their system rejected the refund request. Chase representatives have now stated they are unable or unwilling to reverse these charges, effectively retracting the relief that was previously communicated. 
I find this concerning, as financial institutions should be held accountable for honoring relief programs they publicly announceespecially during extraordinary circumstances such as a government shutdown. Applying interest in contradiction to stated relief and then refusing to refund it due to internal system limitations is unacceptable and financially harmful. 
I am requesting the CFPBs assistance in reviewing this matter and ensuring that Chase complies with its relief commitments and refunds the interest charges that were improperly applied. 
Thank you for your time and attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
In 2017, XXXX  XXXX experienced a massive data breach that exposed the sensitive personal information of approximately XXXX XXXX XXXX. This breach included names, Social Security numbers, dates of birth, addresses, and in some cases, drivers license numbers and credit card information. 

I am one of the individuals whose information was compromised in this breach. I did not authorize the release or use of my personal information in any way. Since the breach, fraudulent accounts have been opened using my identity. These accounts were not initiated, approved, or recognized by me. 

The misuse of my personal data has affected my financial reputation, and I am requesting that all fraudulent entries on my credit reports be blocked and permanently removed under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2 ( a ). I am submitting this statement as part of my identity theft report to assist with investigations and to support my request for corrective action by the credit bureaus. 

I respectfully request that all necessary steps be taken to protect my identity, prevent further misuse of my personal information, and repair the damage done as a result of this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: Williams, Rush & Associates, LLC
State: NV

Complaint narrative:
Complaint Details and Issue : I am filing this complaint regarding the inaccurate and unlawful reporting of a collection account associated with an alleged SmileDirectClub obligation that has already been removed once and has now been reinserted under a new collection agency, Williams Rush & Associates ( WRA ). 
This is not a new debt. It is the same alleged obligation previously reported and deleted, now re-appearing under a different furnisher name with a newly reported date opened of XX/XX/year>. This constitutes unlawful re-aging and recycled collection reporting. 

Violations Identified : Re-Aging Violation ( FCRA ) : The alleged debt is being made to appear newly delinquent despite originating years earlier. Changing the date opened to 2025 unlawfully extends the reporting period. 
Duplicate / Recycled Collection Reporting : The same alleged obligation has been reported under multiple collectors after prior deletion, without any new validation or documentation.

Failure to Validate ( FCRA 611 ) : Neither the credit bureau nor the collector has provided : A signed contract Chain of title / assignment agreement Billing statements Date of first delinquency Inaccurate and Misleading Reporting ( FCRA 607 ) : Reporting a previously deleted debt under a new furnisher name misrepresents the age, status, and legitimacy of the obligation. 
Identity Theft / Unauthorized Reporting : This debt has been disputed as unauthorized and is now included in an FTC Identity Theft Report. Continued reporting violates FCRA 605B.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: NC

Complaint narrative:
What happened? I am filing this complaint against Solar XXXX  LLC ( formerly Solar Mosaic LLC ) regarding an invalid debt for a solar energy system that was never installed. 

In XX/XX/XXXX, a loan was originated for {$33000.00} ( XXXX XXXX : {$47000.00} ) to finance a solar installation by XXXX XXXX. However, this project was officially canceled by me in XX/XX/XXXX. Despite this cancellation, the lender disbursed funds for a project that never occurred. 

I have received multiple written confirmations from XXXX XXXX, the most recent being an email dated XX/XX/XXXX, stating explicitly that " the solar panels were never installed '' and the project is closed. 

Despite being informed of the cancellation over a year ago, Solar XXXX  LLC continues to : - Send monthly bills for services never rendered. 

- Report this fraudulent debt to my credit bureaus ( XXXX XXXX XXXX  ), causing severe damage to my credit score.

- Refuse to close the account despite clear evidence of non-performance by the contractor.

Under the FTC Holder Rule and the Fair Credit Billing Act, I am not liable for debt incurred for goods or services that were never delivered. The lenders failure to verify installation before final disbursementand their continued collection efforts after being notified of the cancellationis a violation of consumer protection laws. 

* * * Because this cancellation is due to the non-delivery of goods and services ( rescission ) rather than a settlement of a valid debt, Solar XXXX  LLC must code this as a correction/rescission and must not issue a Form 1099-C for 'Cancellation of Debt ' income. * * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX  XXXX is furnishing inaccurate and inconsistent credit reporting for XXXX XXXX XXXX credit card accounts shown on my consumer reports as Account # XXXXXXXX XXXX XXXX and Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX The tradelines contain month-by-month delinquency reporting ( XXXX ) and account fields that do not match across TransUnion, XXXX, and XXXX  XXXX and the reporting includes dispute/remark language such as Dispute resolved ; reported by grantor on both accounts. In addition, at least one bureau displays key fields incorrectly ( for example, credit limit reported as {$0.00} and/or other inconsistent data points compared to the other bureaus ).

While some late months may have occurred, XXXX XXXX  furnishing is still required to be accurate, complete, and supported by records. I requested that XXXX XXXX provide the actual documentation supporting the exact delinquency months and severity and the basis for the dispute remarks/comments. Specifically, I requested complete billing statements for the disputed months, proof of statement mailing/delivery dates and due dates ( including compliance with the 21-day periodic statement rule under TILA/Regulation Z ), the payment posting ledger showing when payments were received and applied, and a written explanation of how each late status was determined month-by-month. XXXX XXXX has not provided the requested documentation in a complete manner and has not corrected the inconsistent/inaccurate reporting being furnished to the credit bureaus. 

I am requesting CFPB assistance because XXXX XXXX is continuing to furnish reporting that is inaccurate and/or not properly substantiated, and the inconsistent delinquency history and dispute remark language are harming my credit profile. XXXX XXXX must conduct a good-faith investigation, correct/withdraw any inaccurate data it is furnishing to TransUnion, and provide a detailed written explanation supported by recordsnot generic or conclusory statements.

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