vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi, on XX/XX/XXXX, I was in XXXX with my family and I decided to gamble on XXXX casino. I made XXXX deposits of {$500.00} which equaled {$2000.00}. However, for every transaction I made I was charged an additional {$500.00}, which totaled to {$4000.00} in transactions. I immediately contacted XXXX and they said they understand and will review and get back to me. However, when I contacted Chase, my account was immediately suspended by XXXX and despite submitting proof of the conversations with me and XXXX, Chase has reversed my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: RI

Complaint narrative:
Dear PRA : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDC
PA 1692g ( b ). Courts including Cushman v. Trans Union, Dennis v. BEH-1, Clark v. Capital Credit, and Greco v. Trauner confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST FINANCIAL BANKSHARES, INC.
State: TX

Complaint narrative:
Our had a checking account with First Financial, when opening an account apparently my husband XXXX miss understood that our request NOT TO PAY ANYTHING is there was not enough money in the account. XXXX had several hearing loss and can not distinguish between certain vowels and syllables. We were recently advised when I CALLED and spoke to a customer service representative she advised it was only on the debit card. A advised that it needs corrected immediately to DO NOT PAY ANYTHING. She advised it was corrected be we hung up. Several days later I noticed the bank was STILL PAYING when funds were not available. I immediately notified the bank via the app email to close out immediately. the bank refused. When I notified the bank to close the account immediately we had a {$7.00} and some change positive balance. Now they finally closed the account and reported over {$600.00} in a negative balance. Which is NOT correct. 
Again when I advised them in writing to close the account it had a positive balance. 
The bank was advised on several occasions that XXXX DOES NOT use a phone due to XXXX XXXX and I do to live by conventional hour there for I can not stay on hold or call during there business hours my medical treatment cause XXXX  and XXXX  We mostly communicate thru email

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: ID

Complaint narrative:
I never ordered a credit card or did receive a from indigo. /Concord credit . They are saying I have a {$500.00} limit available. Credit now is XXXX. I never received a credit card. They're charging me interest. I put in a complaint with them on the XXXX. And they said it would take two months up to sixty days befir I get information on this account ending XXXX So I'll be paying interest on this for 2 months and if I don't pay, I will have a late fee up to {$41.00} which I will not pay. I never received a credit card. I've never used a credit card. They're saying at first I owe XXXX cents, and then and now it's gone up to {$20.00} that I owe them for something I never Requested, and the account is ending in XXXX. I never received a credit card. I don't want a credit card from them, please. Help me with this please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In looking into my TransUnion Credit report in XXXX, I noticed that there was a creditor on the report that I had applied to use, but never accepted the loan from. 
The creditor was XXXX XXXX. They partnered with XXXX, a company that teaches classes on coding. I applied with the XXXX program and part of the application process was to submit for financing with XXXX XXXX. After approval, I never agreed to continue and take the courses with XXXX and never signed a loan agreement with XXXX XXXX  XXXX fraudulently submitted paperwork and forged my signature. 
I settled this with XXXX XXXX  a few years ago and they agreed to dissolve the account as it should have never been created. 
XXXX and XXXX  both immediately removed the creditor from my credit report. However, I had never checked my Transunion credit report until recently when I applied for a business loan and was notified that it was on their report. 
I reached out to Transunion on XX/XX/year> and explained the situation and provided documentation. They stated I needed to file a report with CFPB to get it resolved. I filed a report with CFPB, XXXX XXXX reached out and agreed that the account was dissolved and it now states there was never a balance owed on the account. 
Transunion replied, and updated my credit report stating the account was now a charge-off and the loan was forgiven. 
I repeated to reach out to Transunion 's dispute center on XX/XX/year>, XX/XX/year>, and XX/XX/year>. I conveyed with evidence that XXXX XXXX is stating there was never any balance owed and they were not supposed to be a creditor of mine in any way. Transunion refuses to change the credit report from a charge-off to a complete deletion of the creditor from my 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
Consumer complaint received 2025-10-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meridian Financial Services, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX we were contacted in writing from the collection agency, Meridian financial services, of a debt of {$10000.00} for alleged maintenance fees for a condo in XXXX XXXX. 
XX/XX/XXXX I sent a certified letter to this company disputing the claim and requesting validation of the debt under the fair debt collection practices act ; requesting original creditor name and address, debt amount including itemized breakdown, documentation that proves legal right to collect the debt, confirmation of last payment and proof the debt is within the statute of limitations within the state of California. 
I asked that all collection activities cease until the debt is validated. 
XX/XX/XXXX, meridian financial services sent a letter stating they would accept {$5000.00} in settlement. 
However, Meridian financial services never validated the debt. Yet they have continued to call requesting this amount. 
This debt is in dispute with us because we did a deed back to the condo company, somewhere between XXXX and XXXX and never should have been charged maintenance fees. 
The condo was purchased in XXXX for the cash amount of {$13000.00}. After deed back, we stopped receiving any correspondence from the condo company in XXXX. Now almost 15 years later, Meridian financial services is claiming they are collecting a debt for a condo in 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 2025-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible 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 non-monetary relief
Consumer complaint received 2025-10-29 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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

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 2025-10-29 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: TX

Complaint narrative:
On XX/XX/year> I called and spoke with a representative to set up a 6-week payment plan to pay off the account in full with no expectation of removal from my credit score and the agent became very hostile, raised her voice at me, and said I had no options and that I needed to Pay immediately. I explained that I unable to make payments until XX/XX/year> and that I would be able to pay well over the monthly minimum and over 3 months instead of 6 months as they requested. I also said I am doing my best to work with them to get this paid off as soon as I am able to and she said that I am not working with them. She asked me for my place of employment which has me worried they will contact my employer. I have not received any calls or mail from them and they acknowledged that this is the first time I have reached out about the account as I just noticed it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: RFNA, LP
State: AL

Complaint narrative:
XXXX XXXX issued a debt consolidation payoff check ( Check # XXXX for {$1400.00} ) to be sent to XXXX XXXX on my behalf. Their employee confirmed that he mailed the check was using regular, untracked mail, which violates industry standards for financial transactions. 

XXXX XXXX never received the check, and my account has continued to accrue interest and fees. My current balance is {$1500.00}, and I am now facing a payroll deduction of aprox. {$300.00} and will continue to have payroll deduction as long as this account is not paid. XXXX XXXX has not provided proof of delivery or resolution. 

Violation of Standards : Financial institutions are expected to use certified mail, overnight delivery, or electronic transfer for payoff checks. Regular mail without tracking is considered negligent. XXXX XXXX failure to ensure timely and verifiable delivery has caused direct financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Chime handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2025-10-29 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: IL

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-29 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
EST, XXXX XX/XX/year> - present day {$10000.00} I called with my concerns, but no action was taken.

Company response to consumer: Closed with monetary relief