vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
Money was not there when it was supposed to be.and my account was suspended

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I am disputing an alleged debt of {$4300.00} that Aldous & Associates is attempting to collect on behalf of XXXX XXXX XXXX. 

The company claims I owe {$160.00} per month from XX/XX/XXXX through XX/XX/XXXX. This is false and fraudulent for the following reasons : I canceled my XXXX XXXX membership on XX/XX/XXXX, effective XX/XX/XXXX. I have a signed cancellation notice from the gym confirming this cancellation. 

I paid the final balance of {$21.00} in full on XX/XX/XXXX, as shown in my receipt. 

At the time of cancellation, the gym confirmed my account was closed with no further balance due.

More than two years later, I am now being billed for {$4300.00} in charges that allegedly accrued after my cancellation, which is impossible.

This is a clear case of attempted collection of a debt that is not owed, which violates the Fair Debt Collection Practices Act ( FDCPA ). It also appears to involve fraudulent billing practices by XXXX XXXX XXXX, which failed to properly close my account after my documented cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposit an insurance check that I received to pay daily fees of XXXX , the bank put a hold in my check so XXXX the cashier told me to call the fraud department, they can removed the hold, unfortunately I call more than 10 times and 4 of those times they told me to wait more than 10 business days and hang out the call, one of this calls was with the supervisor XXXX they didnt want to give extra info, and on the bank branch they told me that there is nothing they can do. Is frustrating that they hold my money and make interest with my money in I illegal way I guess

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Vystar Credit Union Has in accurate information on my credit report. I no longer have a auto with them. The auto was deem as a total lost in an accident and was over 2 years ago and was paid in full by the ladies insurance company that hit me .I am currently making payments to XXXX XXXX. I only have XXXX auto not two.my report with them says late payments which is in accurate .It is hindering me from moving forward in the process in getting another vehicle. My current vehicle has some mecanical problems It looks like on my report i am making payments on XXXX vehicles. Which am not. What can or shall i do

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 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
On XX/XX/year> I purchase a medication from a telehealth company. The telehealth company, XXXX XXXX sent the prescription to their own pharmacy to be filled and them the medication was mailed to me. I started taking the meds and felt like they were not working like they should. I had been on the medication for XXXX years. I started to research and found out that this was an issue with the pharmacy. The pharmacy, XXXX was not licensed to produce this medication and had been raided by the XXXX XXXX  XXXX and then shut down. The medication was not safe to use. I asked for a refund and was denied by XXXX. I then disputed the charge on my credit card and have been denied. I was charged {$980.00}. I have disputed this with my Apple card 4 times. They have sent me the evidence that XXXX provided, which is XXXX pages on blank or unreadable. I have submitted a plethora of evidence on the fact the meds are unsafe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I received contact by mail from Resurgent Capital Services on XX/XX/year>. I responded XX/XX/year> with a letter via certified mail to validate the alleged debt in writing by providing the following per the FDCPA : A copy of the original contract or original purchase agreement that created the alleged debt. If the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders. 
In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership. Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain. 
Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status. 
If any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement. 
Proof that you are legally allowed to collect on alleged debts in the state of Arizona, including your Third-Party Debt Collection Bond.

Please also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains FTC XXXX XXXX XXXX XXXX makes clear that debt parking without proper notices is a violation of consumer rights. 

They responded XX/XX/year> with an account summary, but failed to produce all of the information I had requested to validate the debt in writing. Collection calls took place after this communication, after I had stated in my original letter to cease collection efforts if all of the above proof was not provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-15 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: LA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5400.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$180.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-09-15 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX Account Number : [ XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NJ

Complaint narrative:
OUTSTANDING MOHELA AND XXXX XXXX DISASTER. 
I took a home equity loan in XX/XX/year>, and paid off student loans to MOHELA and XXXX XXXX. MOHELA and XXXX XXXX never applied the monies to loans, therefore all loans are now outstanding and accruing interest! I have filed complaints with XXXX XXXX XXXX over XXXX month ago, have not received answers. I have contacted MOHELA and XXXX XXXX  multiple times since. I have sent emails, uploaded copies of cashed checks, called multiple times for months. NO ANSWER, NO RESOLUTION, Now as I am trying to sell my home and buy another, I can not because my credit went from a XXXX to XXXX!! This has been detrimental to my body and mind. I have had XXXX XXXX XXXX XXXX XXXX XXXX XXXX  since this all started. 
I have paid the loans off, yet the monies were never applied to loan balances. I have now a ruined credit which if it is not corrected I will be homeless. This has affected my health beyond what anyone can fathom. 
I am desperately seeking HELP, I have gotten nowwhere with either institution. Its been months, my credit keeps decreasing. 
I have proof of all cashed checks as I requested all copies from my title company. In addition, my title company has been involved as well and they too have provided copies of cashed checks to MOHELA as well as XXXX XXXX 
I beg of you to assist me and help me resolve this as soon as possible. 
Respectfully, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

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 explanation
Consumer complaint received 2025-09-15 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: AZ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
companies ran my credit and put hard inquires on my credit report lowering my scores

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I assert that the incorrect late payment notations on my accounts violate 15 USC 1666. I have consistently made my payments on time, and any inconsistencies in this reporting are both unfair and unlawful.

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 2025-09-15 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX US DEPT ED US DEPARTMENT OF EDU

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 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Forgot to make payments, when I finally made the payments they closed my account and said I couldnt open another one.

Company response to consumer: Closed with explanation