vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was a victim of a check scam involving a fake job offer. 
I had recently been hired by someone posing as an employer under the name XXXX, who sent me two checks : one for {$19000.00} and another for {$22000.00}. I was instructed to use these funds to purchase office equipment for a home-based office. I deposited the checks into my personal bank account ending. After considering it, I let them know I preferred not to be involved in purchasing the equipment. The supposed employer reassured me that it would not be an issue and said they would handle the purchase instead. They then instructed me to wire the funds to two separate recipients. 
Before sending the funds, I visited my local bank branch in XXXX to verify the authenticity of the checks and confirm the availability of funds. A branch employee printed a copy of my account statement and noted both my available balance {$7900.00} and my total balance after the checks were deposited {$43000.00}. Based on this information, I believed the checks had cleared up and that the funds were legitimate. As instructed, I made a wire transfer for {$6000.00} followed by a second transfer for {$18000.00}. 
Later, I was informed via the Bank that the checks were fraudulent, which caused my account to become overdrawn. I immediately reported the incident to the local branch representative, the local police, the Wire Department and Fraud Prevention Department. 
While I was waiting for a written report from the Fraud Prevention Department, as indicated in letter XXXX, a notice from the bank arrived on XX/XX/XXXX, stating, Your account has been closed ; please pay the overdrawn amount...

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I received an email randomly informing me that my checking account was being closed. I called customer service to make sure this wasnt a scam, as Ive had the account for years without issue. They confirmed that they were closing my active checking account but could not provide me a reason or explanation. The customer service rep stated it was most likely a policy violation but could not tell me which policy I supposedly violated. I asked to appeal this decision and was told there is no appeals process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: IL

Complaint narrative:
I am disputing inaccurate and re-aged information that TransUnion continues to report on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported as a charge-off with a balance of {$5900.00}, which exceeds the original high credit of {$5000.00}. The account was charged off in XXXX, yet TransUnion continues to update it monthly as derogatory through XX/XX/XXXX, violating FCRA XXXX ( b ), XXXX ( a ), and XXXX ( a ) ( XXXX ) ( A ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows inconsistent past-due amounts compared to other bureaus, creating an inaccurate credit picture. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXemains listed as charged off with an unpaid balance even though the creditor issued a XXXX. 

Duplicate student loan entries from XXXX XXXX XXXX both open and transferred, inflating my total debt load. 

XXXXXXXX XXXX XXXX XXXXreported accounts show no verifiable creditor data.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/2025, I reviewed my credit reports and identified multiple inaccuracies involving how certain collection and charge-off accounts are being reported. These accounts are not being reported according to FCRA accuracy standards or XXXX XXXX XXXX guidelines. I have attempted to dispute and request verification, but the companies have not provided documentation to substantiate the balances, dates, ownership, or status coding being reported. 

Here are the issues affecting my reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The accounts are being reported as Open or with monthly charge-off histories, and in some cases show a Past Due balance. 
Collections should be reported as Collection accounts, with Past Due = {$0.00}, and no monthly payment/charge-off grid.

I have not received itemized billing statements or verification of the balances. 
XXXX. XXXX. XXXX ( XXXX ) The account is reported with monthly charge-off coding and XXXX XXXX balance, which is misleading. 
I requested validation and did not receive final billing, service termination documentation, or itemization. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) These accounts show Affected by natural disaster remarks, which I did not request and do not apply to me. 
They also show collection charge-off reporting patterns that are not consistent with XXXX standards XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same debt appears to be reporting multiple times across different furnishers. 
XXXX version shows it as an XXXX Account with a XXXX XXXX balance, and another as a XXXX. 
I have not been provided chain-of-title or itemized breakdown to confirm the accuracy. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) These accounts are reported with ongoing charge-off coding and Past Due amounts even though they are in Collection status. 
I requested verification, but no contract, billing records, or assignment documents were provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) The accounts are being reported as Open/Installment or with misleading codes such as XXXX, along with Past Due balances. 
I have not been provided the chain-of-title documentation confirming XXXX owns these debts, nor itemized accounting. 
XXXX. Original Creditor Charge-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Several charge-off accounts show XXXX XXXX = balance long after charge-off, and continuing CO updates that XXXX suggest re-aging. 
I am requesting confirmation of the Date of First Delinquency ( DOFD ) to confirm the correct reporting period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/year>, I reviewed my credit reports and identified multiple inaccuracies involving how certain collection and charge-off accounts are being reported. These accounts are not being reported according to FCRA accuracy standards or XXXX XXXX XXXX guidelines. I have attempted to dispute and request verification, but the companies have not provided documentation to substantiate the balances, dates, ownership, or status coding being reported. 

Here are the issues affecting my reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The accounts are being reported as Open or with monthly charge-off histories, and in some cases show a Past Due balance. 
Collections should be reported as XXXX accounts, with XXXX XXXX = {$0.00}, and no monthly payment/charge-off grid. 
I have not received itemized billing statements or verification of the balances. 
XXXX. XXXX. XXXX ( XXXX ) The account is reported with monthly charge-off coding and XXXX XXXX balance, which is misleading. 
I requested validation and did not receive final billing, service termination documentation, or itemization. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) These accounts show Affected by natural disaster remarks, which I did not request and do not apply to me. 
They also show collection charge-off reporting patterns that are not consistent with XXXX standards XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same debt appears to be reporting multiple times across different furnishers. 
XXXX version shows it as an XXXX Account with a XXXX XXXX balance, and another as a XXXX. 
I have not been provided chain-of-title or itemized breakdown to confirm the accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) These accounts are reported with ongoing charge-off coding and Past Due amounts even though they are in Collection status. 
I requested verification, but no contract, billing records, or assignment documents were provided. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) The accounts are being reported as Open/Installment or with misleading codes such as XXXX, along with Past Due balances. 
I have not been provided the chain-of-title documentation confirming XXXX owns these debts, nor itemized accounting. 
XXXX. Original Creditor Charge-Off Accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Several charge-off accounts show XXXX XXXX = balance long after charge-off, and continuing CO updates that XXXX suggest re-aging. 
I am requesting confirmation of the Date of First Delinquency ( DOFD ) to confirm the correct reporting period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I reviewed my credit reports and identified multiple inaccuracies involving how certain collection and charge-off accounts are being reported. These accounts are not being reported according to FCRA accuracy standards or Metro-2 credit reporting guidelines. I have attempted to dispute and request verification, but the companies have not provided documentation to substantiate the balances, dates, ownership, or status coding being reported. 

Here are the issues affecting my reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The accounts are being reported as Open or with monthly charge-off histories, and in some cases show a Past Due balance. 
Collections should be reported as Collection accounts, with Past Due = {$0.00}, and no monthly payment/charge-off grid.

I have not received itemized billing statements or verification of the balances. 
2. I.C. System ( XXXX ) The account is reported with monthly charge-off coding and XXXX XXXX balance, which is misleading. 
I requested validation and did not receive final billing, service termination documentation, or itemization. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) These accounts show Affected by natural disaster remarks, which I did not request and do not apply to me. 
They also show collection charge-off reporting patterns that are not consistent with XXXX standards XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same debt appears to be reporting multiple times across different furnishers. 
XXXX version shows it as an XXXX Account with a XXXX XXXX balance, and another as a XXXX. 
I have not been provided chain-of-title or itemized breakdown to confirm the accuracy. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) These accounts are reported with ongoing charge-off coding and Past Due amounts even though they are in Collection status. 
I requested verification, but no contract, billing records, or assignment documents were provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) The accounts are being reported as Open/Installment or with misleading codes such as XXXX, along with Past Due balances. 
I have not been provided the chain-of-title documentation confirming XXXX owns these debts, nor itemized accounting. 
XXXX. Original Creditor Charge-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Several charge-off accounts show XXXX XXXX = balance long after charge-off, and continuing CO updates that may suggest re-aging.

I am requesting confirmation of the Date of First Delinquency ( DOFD ) to confirm the correct reporting period.

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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/year>, I used my American Express ( AMEX ) card to make a free hotel reservation, which I later cancelled. Despite the cancellation, the hotel charged me {$610.00}. 

I immediately called an AMEX agent and explained that I had a free reservation and was wrongly charged. The agent assur

ed me, " Don't worry, I will fix it. '' However, the charge later posted to my account. I opened a formal dispute, but AMEX did not help me get my money back.

Ultimately, I had to pay the {$610.00} and closed my account because I felt AMEX failed to protect me. The most frustrating part is that this situation negatively affected my credit score. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate and derogatory information that appears on my Experian credit report. The following accounts are being reported incorrectly and must be investigated and removed if the information can not be verified as accurate and complete : XXXX XXXX  XXXX Co Account Type : Auto Loan Status : Involuntary Repossession / Closed Reported Balance : {$15000.00} Remarks : In Repossession, Fixed Rate Issue : The account is reporting as in repossession and closed with conflicting dates and inaccurate balance details. Please verify and delete if unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
Dear WFBNA CARD : 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 FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX confirm XXXX unverifiable or misleading data can not lawfully remain on a consumers credit file.

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 2025-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my TransUnion credit file, I identified several unauthorized hard inquiries that I did not approve, initiate, or recognize. The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have no active accounts or recent credit applications with these companies, and I never provided consent for them to access my credit information. As outlined in 15 U.S.C. 1681b, it is a federal violation for any party to obtain a consumers report without a permissible purpose or explicit authorization. These inquiries are therefore illegitimate and impermissible under federal law.

The continued reporting of these unverifiable inquiries constitutes a direct breach of FCRA 607 ( b ) and 611 ( a ), which require credit reporting agencies to ensure maximum possible accuracy and promptly delete any data that can not be verified within 30 days. TransUnions failure to verify or remove these items results in damage to my credit profile and violates the accuracy standards required under the Metro 2 compliance framework.

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I deposited a check with capital one mobile and federal law says I should get {$220.00} of my money the next business day. Theyre holding the total amount until XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: EQUIFAX, INC.
State: TN

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is reporting the same mortgage account multiple times under different names and misrepresenting its status and balance on my credit reports with Equifax, Experian, and TransUnion. 

Their reporting shows both XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accounts for the same loan, with XXXX marked closed and paid {$0.00} balance in XXXX and another listed as open with a balance of {$240000.00} as of XX/XX/XXXX. 
This constitutes duplicate reporting and false collection activity under the Fair Credit Reporting Act ( FCRA ). 



Detailed Explanation XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion and Equifax ) shows both XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for the same FHA mortgage. 
XXXX account reflects a closed, paid, XXXX balance in XXXX. 
Another, under the same lender identity, reflects an open, active balance of {$240000.00} as of XX/XX/XXXX. 
This creates the false appearance that I owe XXXX separate mortgages when I only have XXXX. 
XXXX. No Legal Standing to Report or XXXXXXXX XXXX XXXX XXXXas no recorded assignment of the Security Deed in XXXX XXXX, Georgia, and no valid chain of title from XXXXXXXX XXXX XXXX XXXX XXXX 
The XXXX system shows XXXX XXXX  as inactive at the time of the alleged transfer, meaning XXXX XXXX XXXX XXXX to acquire or service the loan. 
Despite that, XXXX is still reporting the loan as active and collectible, which is false and misleading. 
XXXX. Reporting of False Delinquency and XXXX XXXX is reporting the account as XXXX days late while also showing it as paid in another record. 
These inconsistencies violate XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), which prohibits furnishing information known ( or that should be known ) to be inaccurate. 
XXXX. Failure to Correct After Dispute I have disputed the inaccuracies directly with all three credit bureaus and requested verification. 
XXXX continues to re-report false balances under different names without producing proof of lawful ownership or assignment of the loan. 
This ongoing reporting violates XXXX XXXX. XXXX ( b ) failure of a furnisher to conduct a reasonable investigation and correct or delete inaccurate information.

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