vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: SC

Complaint narrative:
I disputed unauthorized/incorrect charges on my Chime account multiple times, and Chime refused to properly investigate. They denied my dispute without providing evidence, an investigation report, or giving me a temporary credit. This violates XXXX XXXX, which requires Chime to investigate within XXXX business days and respond within XXXX  days. I want a full investigation, documentation, and reimbursement for the disputed transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I applied for credit for installment loan for dental procedure. I never accepted the loan offer and never did the dental procedure. They never gave me or the dental office any money yet they ended up starting the account and indicating I owed them {$2000.00}. I called and explained I never took out the loan. They could not prove they ever made the loan or sent the money anywhere. Finally, the dental office contacted them to close the account but they have still been trying to collect payments for the interest ( on the loan I never received ) and now reporting up to 60 days late on my credit report. I've disputed with the credit agencies and required proof they ever sent me or the dental office any money. They only indicated back to the credit agencies that the information on my credit report was accurate. I NEVER TOOK OUT A LOAN WITH THEM. THIS IS FRAUD!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

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 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 2025-11-29 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:
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 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 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I did not do business with this company. I have requested a valid chain of assignment and original application on XX/XX/year> I disputed the charged and did not give anyone to sell my personal information, which constitute fraud. Just received access to my credit report today have been trying for days with no success. XXXX XXXX  is the Company, I have no document because I never did business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aurora Enterprises, Inc.
State: CO

Complaint narrative:
Garnishment in XXXX made monthly payments of 40 for over 10years They never served me new paperwork for this debt I never had the chance to fight this and now its XXXX and the debt has never changed They said they are in their legal rights I have never been to a court for this and with it being more then 25 years old they are illegally doing this Their staff is rude and aggressive offers no help They make threats of jail and hang up on you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Simple .. We purchased airline round trip tickets from XXXX XXXX return boarding airline says there's an issue, go talk to XXXX XXXX XXXX In XXXX XXXX chat on our phone in XXXX XXXX say sorry please buy more tickets to get home. After many thousands of dollars later we get home. 

A sting is set up on XXXX website support chat to gather the truth and evidence Chase Bank refused to read or apply common sense to resolve the problem. many months of letters Chase Bank didn't care and we ad to stop paying them. 

Chase Bank refunded the original ticket, however the new tickets were several XXXX more. 

We had a signed, agreed upon transaction we agreed to pay. XXXX broke the contract and help us XXXX in XXXX. This is illegal to hold us accountable and we should not suffer the consequences thereafter. 

Credit Bureaus continue the racket with fraud investigations. Simply go ask the crooks. This is also illegal and disgusting. 

In addition the ticket I was forced to purchase under duress for XXXX FAILED at XXXX. I had to buy yet another ticket for XXXX. Then my wife was coming home a few wks later so we set up the sting on XXXX website ... 100 % concrete proof transcript where they argued XXXX times her ticket is good.. false, please buy another

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Citizens Savings & Loan Corporation, Chattanooga, TN Branch
State: TN

Complaint narrative:
I am filing a complaint against Citizens Savings & Loan in XXXX, TN regarding improper and unlawful collection practices involving a personal loan secured by household goods. 

In XX/XX/year>, Citizens Savings & Loan sent a third-party repo contractor, XXXX XXXX XXXX XXXX , to my home. The repo agent arrived with a clipboard listing my household items and stated, I am here for the television. When I told him the items were not available, he stated, Okay, XXXX return with the sheriff, and left. There was no lawsuit, judgment, or replevin warrant in existence at that time.

I contacted the branch the next business day. The representative initially denied any knowledge of someone being sent. Later, the visit appeared in Citizens internal notes.

When I raised this issue in writing with the branch supervisor, she confirmed the following in email : 1. The repo contractor demanded the TV at my door.

2. He stated he would return with the sheriff.

3. Citizens considered obtaining a sheriff-served replevin warrant as the next step in their collection process.

These statements constitute violations of the FDCPA, including 15 U.S.C. 1692e ( 4 ), 1692e ( 5 ), 1692e ( 13 ), and 1692f ( 6 ), as well as deceptive collection practices under Tennessee law. Threatening sheriff involvement over household goods without any legal process is expressly prohibited.

I brought the account current shortly after the incident and attempted to resolve this matter amicably by requesting that Citizens forgive the small remaining balance ( {$620.00} ). The company instead offered a 50 % settlement and did not address the conduct. 

I request that the CFPB review Citizens Savings & Loans practices and require them to forgive the remaining balance and close the account in good standing.

I have copies of all emails confirming the illegal statements. The email thread is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX Subject : Dispute of Collection Account Request for Verification Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : Synchrony Bank Balance Reported : {$760.00} Complaint : I am disputing this collection account. Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any debt that a collection agency reports or attempts to collect. 

I have previously disputed this account through the credit bureaus, but I am formally requesting verification again. 

Additional Discrepancies in Reporting : Upon reviewing my credit reports from XXXX XXXX and XXXX, I observed inconsistencies that raise further concerns about the accuracy of this account : Remarks regarding prior disputes are inconsistent : XXXX  notes a completed FCRA dispute, XXXX  notes the account is disputed by the consumer, and XXXX  does not reflect any dispute. 
Last activity dates and terms are incomplete : XXXX  lists a XXXX term and XXXX payment history, while XXXX  and XXXX  do not provide this information. 
Terminology for loan type / account type differs : XXXX  lists FACTORING COMPANY ACCOUNT, Experian lists Debt Buyer / Collection Account, and XXXX  lists Debt Buyers Account. 

These inconsistencies indicate that XXXX XXXX XXXX may not be providing complete and accurate information to the credit bureaus. 

To my knowledge, XXXX has not provided any original documentation showing I owe this debt. Many debt buyers purchase large portfolios of accounts and can not provide individual documentation. If XXXX can not verify this debt with the requested documentation, I request that the account be completely removed from all of my credit reports.

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 2025-11-29 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: IL

Complaint narrative:
ALL INACCUATE INFORMATION ON CREDIT REPORT THAT EXPERIAN HAS REFUSED TO REMOVE AFTER DISPUTING VIA MAIL AND ONLINE OVER XXXX TIMES. NONE OF THIS INFORMATION BELONGS TO ME XXXX NOT THE XXXX SOCIAL. 
REMOVE ALL OF THIS XXXX INFORMATION OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX type - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type - XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type - XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX Resident XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX type XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type XXXX Date of birth XXXX  Social security number variations XXXX Personal 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
Consumer complaint received 2025-11-29 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: IL

Complaint narrative:
ALL INACCUATE INFORMATION ON CREDIT REPORT THAT EXPERIAN HAS REFUSED TO REMOVE AFTER DISPUTING VIA MAIL AND ONLINE OVER XXXX TIMES. NONE OF THIS INFORMATION BELONGS TO ME XXXX NOT THE XXXX SOCIAL. 
REMOVE ALL OF THIS XXXX INFORMATION OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX type - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type - XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type - XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX Resident XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX type XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type XXXX Date of birth XXXX  Social security number variations XXXX Personal statements

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
As far as XXXX years ago I have consolidated all the student loans that I supposed to have accured into XXXX big amount. Meaning that all other student loans that XXXX XXXX XXXX should be deleted that say closed. There are XXXX accounts on each of my credit reports XXXX, XXXX, XXXX that all say closed that are putting negative looks on my reports. There is only XXXX account that has the full balance that is some what correct. The others should be permenatley deleted. Also the student loan for XXXX XXXX should completely be forgiving as for when the school was open and I attended the financial aid person told me me that I didn't have a balance because everything was taken care of by XXXX XXXX except for a small portion that I paid XXXX  until clear. However, this financial aid is still trying to stick me with payments for XXXX XXXX when they do not even exist anymore due to not being funding anymore or credited. They had a huge lawsuit against them to where all XXXX  location in the state of VA were completely shut down. The were raided by the XXXX  due to alleged student aid withholding, the exact reason why they said I didn't have to pay anymore than the direct payments every XXXX weeks, Also the graduation date is XXXX percent wrong on the XXXX XXXX XXXX website. I graduated in XX/XX/XXXX not XX/XX/XXXX. It needs to be forgiving as I who was a student at this college from XX/XX/XXXX until XX/XX/XXXX should be forgiven as I can not use my Diploma for any medical field due to the tarnishment that comes XXXX XXXX alone. It is considered a waist of time and effort because of the misinformation given by the school as it was open. So in summary the " closed accounts '' from XXXX aid need to be permanetly removed as they were consolidated into XXXX big amount, and XXXX the XXXX  College amount should be forgiven due to all the information I mentioned above.

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 2025-11-29 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: VA

Complaint narrative:
As far as XXXX years ago I have consolidated all the student loans that I supposed to have accured into XXXX big amount. Meaning that all other student loans that XXXX XXXX XXXX should be deleted that say closed. There are XXXX accounts on each of my credit reports XXXX, TransUnion, XXXX that all say closed that are putting negative looks on my reports. There is only XXXX account that has the full balance that is some what correct. The others should be permenatley deleted. Also the student loan for XXXX XXXX should completely be forgiving as for when the school was open and I attended the financial aid person told me me that I didn't have a balance because everything was taken care of by XXXX XXXX except for a small portion that I paid XXXX  until clear. However, this financial aid is still trying to stick me with payments for XXXX XXXX when they do not even exist anymore due to not being funding anymore or credited. They had a huge lawsuit against them to where all XXXX  location in the state of VA were completely shut down. The were raided by the XXXX due to alleged student aid withholding, the exact reason why they said I didn't have to pay anymore than the direct payments every XXXX weeks, Also the graduation date is XXXX percent wrong on the XXXX XXXX XXXX website. I graduated in XX/XX/XXXX not XX/XX/XXXX. It needs to be forgiving as I who was a student at this college from XX/XX/XXXX until XX/XX/XXXX should be forgiven as I can not use my Diploma for any medical field due to the tarnishment that comes XXXX XXXX alone. It is considered a waist of time and effort because of the misinformation given by the school as it was open. So in summary the " closed accounts '' from XXXX aid need to be permanetly removed as they were consolidated into XXXX big amount, and XXXX the XXXX College amount should be forgiven due to all the information I mentioned above.

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 2025-11-29 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: NV

Complaint narrative:
Company : Portfolio Recovery Associates Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX Subject : Dispute of Collection Account Request for Verification Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : Synchrony Bank Balance Reported : {$760.00} Complaint : I am disputing this collection account. Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any debt that a collection agency reports or attempts to collect. 

I have previously disputed this account through the credit bureaus, but I am formally requesting verification again. 

Additional Discrepancies in Reporting : Upon reviewing my credit reports from XXXX, XXXX, and XXXX, I observed inconsistencies that raise further concerns about the accuracy of this account : Remarks regarding prior disputes are inconsistent : XXXX  notes a completed FCRA dispute, XXXX  notes the account is disputed by the consumer, and XXXX  does not reflect any dispute. 
Last activity dates and terms are incomplete : XXXX  lists a XXXX term and XXXX payment history, while TransUnion and Equifax do not provide this information. 
Terminology for loan type / account type differs : XXXX  lists FACTORING COMPANY ACCOUNT, Experian lists Debt Buyer / Collection Account, and Equifax lists Debt Buyers Account. 

These inconsistencies indicate that Portfolio Recovery Associates may not be providing complete and accurate information to the credit bureaus. 

To my knowledge, XXXX has not provided any original documentation showing I owe this debt. Many debt buyers purchase large portfolios of accounts and can not provide individual documentation. If XXXX can not verify this debt with the requested documentation, I request that the account be completely removed from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I dealt with an issue over the summer that occurred on XX/XX/year>. A few days before I was the victim of someone gathering my credit card information for my Best Buy Citi card. On XX/XX/year> someone made a purchase for over {$150.00} and I disputed it. I contacted Best Buy to dispute it as well as the park where the purchase was made, XXXX XXXX ( amusement park ). It was found that I was still responsible even though someone used my information and was unauthorized and I was told to use better judgement when putting information in for services. Everything was resolved until a few weeks ago I got a notification that I have a derogatory remark on my credit report that FCBA dispute resolved- consumer disagrees. I have requested for this to be removed and XXXX XXXX will not remove it. It has the ability to impact my ability to get credit. I felt like the experience had been resolved and all was okay, but Best Buy continues to want to fight this and smeer my name. I understood the person I talked to on the phone and do not want that I didn't agree to be reflected on my credit report.

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