vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NE

Complaint narrative:
In XX/XX/year>, Chime failed to notify me of a policy change and agreed to reimburse me {$120.00} as compensation. My account had been fully paid off the day before, but Chime reversed the repayment and classified it as a line of credit against my account balance. I did not authorize or consent to this action. The repayment was intended as compensation, not a loan or credit transaction. This affected my pay, which is deposited into my Chime Spending ( checking ) account. I believe my funds were mishandled and reclassified without consent or proper disclosure. Supporting documentation includes screenshots showing the repayment reversal and the line of credit page reflecting the unauthorized balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: CA

Complaint narrative:
Be sure that disputed accounts are taken down promptly in accordance with the law.

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 2025-10-26 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: CA

Complaint narrative:
It fails to represent my financial ethics properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am writing to formally lodge a complaint regarding Capital Ones recent reporting actions that constitute both retaliation and inaccurate furnishing under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ). 



XXXX. Factual Background I lawfully disputed inaccuracies on my closed Capital One account. 
Between XXXX XXXX XXXX XXXX  reflected multiple remark-code changes on that closed account, including : Account previously in dispute Now resolved by data furnisher Account closed by credit grantor. 
Immediately following that dispute, my open Capital One account was reported with a post-cycle balance increase of {$990.00} ( from {$0.00} to {$990.00} ) dated October 923, 2025, although the account had a {$0.00} balance prior to the dispute. 
This change caused a 13-point drop in my XXXX  credit score within XXXX hours of the dispute resolution notice. 

These facts demonstrate a pattern of retaliation and unfair reporting using my open account as leverage after I exercised my FCRA rights regarding the closed account. 



XXXX. Violations of Federal Law a. FCRA 623 ( a ) ( 1 ) ( A ) Furnishers are prohibited from reporting information known or reasonably believed to be inaccurate.

Capital One knowingly furnished a post-cycle balance inconsistent with the actual billing statement to manipulate my utilization ratio and score.

b. FCRA 623 ( a ) ( 8 ) ( E ) ( ii ) Furnishers must not engage in unreasonable or retaliatory reinvestigation or reporting practices following a dispute. 
The reporting sequence immediately after the disputes closure constitutes retaliatory behavior. 

XXXX. ECOA 701 ( a ) ( 3 ) It is unlawful for a creditor to take any adverse action against an applicant who has exercised rights under the Consumer Credit Protection Act.

Capital Ones actionsaltering credit data and causing measurable harmare an adverse action triggered by my protected activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: AZ

Complaint narrative:
Make sure all disputed accounts are corrected and removed as required by law.

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 2025-10-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I received payment for work rendered.I 'm working the heating and air business.I received payment by wire transfers.Everything was fine at first I was drawing some of the money out.And then all of a sudden p n c froze the account they said something wasn't right about the wire transfer, but yet they couldn't put their finger on it or give me an explanation. 
And now the account 's been froze for XXXX months. They keep saying they want to send the money back. 
And now they have removed the money from my account. And closed my account saying we want to try to send the money back. They can't send the money back to send a will not accept the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of XXXX XXXX  and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX XXXX  and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting NewRez Loan ( Opened XX/XX/year> ) Dear CFPB and Credit Bureau Review Teams, I am disputing the accuracy of a mortgage loan currently being reported under my credit file by NewRez LLC. 

This loan was opened around XX/XX/year>, for which I was listed as a co-signer. However, I have never made any payments toward this account and have not received any financial benefit from it. All payments have been made by the primary borrower. 

Although the account appears to be current, the reporting inaccurately suggests I share equal financial responsibility for repayment. I request verification of my payment responsibility and relationship to this loan. 


Thank you for your prompt attention

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To remove all XXXX XXXX XXXX accounts and inquiries and late payments reporting on XXXX XXXX credit report and consumer reports XXXX XXXX did not give consent or permission of authorization of any kind to use information that would effect his credit score consumer report and credit profile the account is under litigation under federal law I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719 I may presume that no proof of the alleged debt, nor therefore any such debt, In fact exist

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 2025-10-26 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: TX

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against experian, equifax, and transunion and data furnishers who reporting inaccurate and unverifiable negative information on my credit reports. I am exercising my rights under the FCRA including but not limited to : 602 ( A ) - Right to fair and accurate reporting ; 611- Right to dispute inaccurate information ; 623- Furnisher responsibility to provide complete and accurate information ; 609- Right to request verification of accounts.

After reviewing my credit reports from Equifax, Experian, and transunion, I found negative accounts and information that are inaccurate, unverified, or can not be validated as required by federal law. These accounts are causing financial harm, including difficulty obtaining credit, housing and fair interest rates. 

I am requesting your assistance to compel the credit bureaus and furnishers to provide complete validation for each disputed item or remove all entries that can not be fully verified Disputed Accounts : Applied Bank ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; A plus federal Credit union ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX ; Despite providing supporting documentation, they have NOT performed a reasonable investigation or removed unverifiable data. 

I request the CFPB in enforcing compliance and ensuring these inaccurate accounts are removed from my credit report. 

Documentation included : Credit report ; ID Sincerely, 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 2025-10-26 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: CA

Complaint narrative:
Make sure the laws requirement for timely disputed account removal is met.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/year>, I was scammed through XXXX XXXX payments sent from my Chase account one for {$250.00} and another for {$400.00}. The person claimed to be a XXXX XXXX and appeared completely legitimate, providing photos and communication that seemed real. After I sent the payments, they immediately stopped responding and blocked me. I later reverse imagesearched their photos and discovered they were stolen from a reputable XXXXXXXX XXXX I contacted XXXX the same day and was told a claim would be opened, but it was later closed because the transaction was considered authorized. I was deceived under false pretenses and did not knowingly send money to a scammer. Im requesting that Chase and XXXX re-review my case, contact the recipients bank to attempt recovery, and issue a refund. I have screenshots, proof of messages, and evidence of the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
A collection account from Portfolio Recovery Associates , LLC is being reported on my credit report for an alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX debt. The account number ending in XXXX shows as a collection with an original balance of {$620.00} and is listed as Dispute resolved customer disagrees. 
I previously disputed this account with TransUnion and the furnisher, Portfolio Recovery, requesting verification under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ). Despite my dispute, the furnisher failed to provide any documented validation or proof that I am legally responsible for this debt. Under the FCRA 602 ( A ) and 623 ( a ) ( 1 ) ( A ), a data furnisher must only report accurate, verifiable information. This account remains unverified and inaccurate, yet it continues to be reported.

I have no recollection of this debt, no contract or agreement with Portfolio Recovery, and I never received any original statements or itemized documentation linking me to this alleged balance. Reporting this unverifiable debt violates my consumer rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
mail sent to a relatives home indicate unknown charge off as my personal information was included in a major US data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I stated that my complaint will be resolved when I receive my {$11000.00} XXXX dollars, by Capital One Bank submitting my funds to XXXX. 
This should've been done within a couple of days since they've had my money and have not provided access of it to me since XX/XX/XXXX of this year! 

They agreed to follow through and give me and my family my money, this includes my XX/XX/XXXX payment from the Social Security Administration!

WHAT IS THE PROBLEM! 

XXXX IS WAITING FOR MY FUNDS TO BE DEPOSITED AS I INFORMED THEM THAT THE DEPOSIT SHOULD BE COMING TO THEM. 
THIS IS NOW THEFT!!!!!!!!!!!!!!!!! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the funding return of my saving account with Capital One. My account has been closed without a clear explanation. I can accept this close because surely the bank have this right to close anyone 's any account without any reason. However, the bank should return my funding in my account. My saving account with an amout of XXXXXXXX XXXX was closed on XX/XX/XXXX. Now XXXX days passed, I didn't receive the closeout check. XXXX weeks ago, I tried to call them and their answer is only '' It should arrive within next week ''. 
As a result, I am unable to access my funds, which is affecting my ability to pay my bills and meet my financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas, XXXX XX/XX/XXXX To : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Account ID : XXXX Subject : Formal Dispute of Unauthorized Collection Account Violation of FCRA 1681b Dear Experian XXXX XXXX XXXX XXXX I am formally disputing the reporting and/or access of my consumer credit report in connection with the alleged collection account referenced below : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number ( last XXXX digits ) : XXXX Reported Date : XX/XX/XXXX This collection account is being reported without a permissible purpose as defined under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). I have not authorized this entity to access or report any information about me, and I have not entered into any direct relationship with them.

Under 1681b ( a ) ( 3 ), a consumer report may only be furnished for specific permissible purposes such as credit transactions initiated by the consumer, employment, insurance underwriting, or account review by the original creditor. A third-party collector must demonstrate a valid assignment or ownership of the alleged account to establish such purpose. 


Please provide : The name of the entity that requested or furnished my consumer report, The legal basis ( subsection of 1681b ) for their access or reporting, and Any documentation evidencing authorization or assignment from the original creditor. 

Failure to comply within 30 days will constitute a willful violation of the FCRA, subject to damages under 15 U.S.C. 1681n & 1681o. 

Sincerely, XXXX XXXX XX/XX/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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Reviewing my credit report, I have detected that I have more than 1 name and different addresses, therefore, it is important for me that this is clarified so that I am not affected for future applications. Thank you. 

DELETE NAMES : 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. 

DELETE ADDRESS ALL THIS ADDRESS IN MY CREDIT REPORT, AND JUST LEAVE : XXXX XXXX XXXX XXXX XXXX, NY XXXX. 

THANKS FOR YOUR HELP.

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 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On XXXX  XX/XX/XXXX, I received a Chime Debit card in my name in the mail. The mail told me how to activate my account however I myself never opened said account. I then called customer service for Chime and was routed to the fraud department. When speaking with XXXX different representatives, I was told that in order to be given any information about when the account was opened, any fraudulent transactions that XXXX have been made on the card, and any information on where in the world this account was opened, I was told that I have to upload my government ID and FTC report to a link that they would email me. After telling the representatives that I was uncomfortable with giving them my information, they told me that they can not disclose any information to me unless I decide to upload those files. I asked if they could inform me of any transactions that could have been made and how much was charged to the account and was told that they were not allowed to relay that information to me. When I proceeded to ask to speak to a manager or supervisor about closing the account, I was told that a manager or supervisor was not available at that time and if I were to speak to a manager that they would give me the same response and would not disclose any information. When asking how to close an account, they would not only not give me an answer as to whom I should be speaking to, but also stated that they were not sure how I could get the account closed. I am looking for help to get any confirmation that this account is closed and that I will not be held responsible for any fraudulent transactions that may have been charged to this account.

Company response to consumer: Closed with explanation