vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 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: Kriya Capital, LLC
State: TX

Complaint narrative:
XX/XX/year> CONTACTED CREDENCE RESOURCE MANAGEMENT ABOUT FALSE CLAIMS ON MY CREDIT REPORTS. OPERATOR INFORMED ME I WAS RESPONSIBLE FOR DEBT BECAUSE MY SOCIAL INFORMATION WAS USED. OBVIOUSLY FRAUDULENT USE OF MY INFORMATION HAS OCCURRED. THEY REFERRED ME TO A NON-SECURE SITE AND THE SITE DID NOT WORK ACTUALLY. 
I INFORMED HIM I NEED THAT INFORMATION REMOVED AND NOT POSTED AS IT HAS ALREADY AFFECTED MY CREDIT. THE FRAUD PACKET I RECEIVED WAS ON 1PAGE. I ALSO RESERVE THE RIGHT TO HIRE AN ATTORNEY SINCE THEY DO NOT SEEM TO WANT TO CORRECT THE MISTAKE. I CAN NOT ADDRESS WITH DEBTOR WITHOUT THE CORRECT INFORMATION. I AM CONCERNED WITH THIS PRACTICE ADDRESSES ARE LISTED FALSELY AS WELL AND PLACES I HAVE NEVER LIVED ARE ON MY REPORT. ALL HAS BEEN DISPUTED AND THEY SAID IT WAS VERIFIED INFO AND HAVE LEFT IT POSTED ON MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: FL

Complaint narrative:
I am writing to formally dispute and request the removal of the following hard inquiries listed on my credit file, which I did not authorize or which can not be verified as having permissible purpose under the Fair Credit Reporting Act ( FCRA ) : JPMCB CARD Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the FCRA, specifically : 15 U.S. Code 1681b ( c ) A hard inquiry is only permissible if I initiated the credit transaction or gave written authorization.

15 U.S. Code 1681i If any item of information is inaccurate or can not be verified, it must be deleted from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: IN

Complaint narrative:
Equifax continues to allow the same creditors to be added to my report after being advised by CFPB per police report in XXXX ( police report attached to initial complaint ). 
It seems that they continue to conduct sham investigations that fail to properly address my complaint and improperly reinsert inaccurate information this time lowering my credit score XXXX points. 
XXXX XXXX XXXX {$5700.00} was added AGAIN. 
A debt collector violating the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) by reporting an old debt that the consumer proves is not theirs to credit reporting agencies would be in violation of the Act 's provisions against false, deceptive, or misleading representations ( 15 U.S.C. 1692e ) I have taken steps to protect my identity since this began. 
NOW XXXX XXXX has gone the extra mile and filed XXXX XXXX XXXX ( Collections ) with the government AFTER being advised by CFPB to back off. I am being harassed and now threatened by this debt collector for a debt I do not owe. 
The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from engaging in harassing, oppressive, or abusive conduct. Specifically, 15 U.S.C. 1692d outlines this prohibition, and 1006.14 of the Consumer Financial Protection Bureau 's rules implements it. 
Equifax failed to protect my credit report. 

XXXX failed to protect my credit report too. I ask that XXXX XXXX be removed for the same reasons. Police report on file Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: IN

Complaint narrative:
XXXX continues to allow the same creditors to be added to my report after being advised by CFPB per police report in XXXX ( police report attached to initial complaint ). 
It seems that they continue to conduct sham investigations that fail to properly address my complaint and improperly reinsert inaccurate information this time lowering my credit score XXXX points. 
XXXX XXXX XXXX {$5700.00} was added AGAIN. 
A debt collector violating the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) by reporting an old debt that the consumer proves is not theirs to credit reporting agencies would be in violation of the Act 's provisions against false, deceptive, or misleading representations ( 15 U.S.C. 1692e ) I have taken steps to protect my identity since this began. 
NOW XXXX XXXX has gone the extra mile and filed XXXX XXXX XXXX ( Collections ) with the government AFTER being advised by CFPB to back off. I am being harassed and now threatened by this debt collector for a debt I do not owe. 
The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from engaging in harassing, oppressive, or abusive conduct. Specifically, 15 U.S.C. 1692d outlines this prohibition, and 1006.14 of the Consumer Financial Protection Bureau 's rules implements it. 
XXXX failed to protect my credit report. 

Experian failed to protect my credit report too. I ask that XXXX XXXX  be removed for the same reasons. Police report on file Please 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 2025-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am continually contacted by a debt collector who is requesting a settlement on a debt I don't owe and have no idea what they are referring to. I don't know how to make them stop, and they are reporting the same thing more than once on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My business utilized a paypal account under our verified identification and business information. Paypal put a 21 day hold on access to funds because this was a new paypal account. Our business waited the 21 days, on the day the funds were available Paypal reviewed our account and permanently limited the account causing {$6000.00} to be on hold for an additional 180 days. It is not clear if those funds will ever be available even after the hold. Funds were sent to us by customers and 90 % of them have been fulfilled with proof of tracking given to Paypal, but Paypal will not allow us access. We have paid for the goods sold, the postage to send the order and the advertising to obtain those funds. This is roughly 300 orders we have fulfilled without any compensation and is putting us in a financial strain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: DISCOVER BANK
State: NY

Complaint narrative:
I have credit inquiries from places where i havent applied

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: DISCOVER BANK
State: HI

Complaint narrative:
XXXX. I initially chose Discover so I could more effectively manage things as I got older. 
XXXX. They have chosen to make things much harder for me to do with my own money. I can no longer in the APP or my online browser make financial decisions in a calm, nonhtreatening way.

3. Now I must call them to tell them each time one of my CDs matures as to what I want to do with it. They immediately pressure me to not turn off my auto rollover ( by phone and by message ).

4. I chose CDs and the ladder but now each time I need access to my money, I have to go through this anxiety ridden process with them.

5. I have told them this, and they are indifferent to my anxiety and insist on making me go through loopholes even though they then give no indication they received my requests and will honor them.

6. Now as my retirement date is barreling down on me and I try to plan responsibly for how I can pay for medicare and rent on a fixed income, I must instead wonder if I will have my income.

7. Now if I move to a bank more ethical, my credit score will decrease.

8. I can not believe I must do this. I cannoot believe it. I have screen captured every correspondence with them and their refusing to make things more manageable for me.

9. If I try to do a Secure Message request, they regulary set up which I believe are intentional obstacles to prevent my sending secure messages. Instead they have me type a message, only to have it lead to a dead end " we are unable to complete your request '' ( image attached ) : Request=send a secure message to not roll over a CD but rather place it in my Discover checking account.

Note : My heart rate has dramatically increased since I had to deal with this-literally it takes a half dozen message or phone calls to them each time a CD matures instead of my just toggling an option in my APP ; I think they are intentionally targeting me as an elderly person ( XXXX ) whose XXXX  has skyrocketed including having to find solutions to this such as reaching out to this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: PA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Google Compare Credit Cards Inc.
State: IL

Complaint narrative:
Issue : XXXX Play Store displays a subscription for XXXX Plus as " $ XXXX + tax '' without disclosing the actual tax amount. I had an existing {$10.00} in XXXX XXXX credit and purchased an additional {$10.00} ( totaling {$20.00} ), expecting that to be enough. 

Upon attempting to complete the purchase, the payment was declined due to insufficient funds, with no disclosure of the actual final price or tax amount. I contacted XXXX support requesting either a refund of the {$10.00} or the ability to purchase the remaining {$1.00} separately. Both requests were denied. The only option offered was to purchase another {$10.00} credit, effectively leaving me with a now unusable balance. 

This is the second time something like this has happened to me with the XXXX XXXX XXXX services. The purchase process lacks transparency, offers no tax estimate, and traps users into buying more credit than they need, with no ability to recover funds or top up in small increments. 

This appears to be a deceptive and unfair billing practice designed to create stranded credit and push unnecessary purchases.

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 2025-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I was on XXXX and came across an advertisement for medical study notes. It was an reel or video type of ad that referred to the product as a " book. '' At no time during the video did the advertisement state that the product was a digital download. Even when clicking on the link, the website that you're taken to never makes clear that this is a digital download and not a physical product. 

The video can be found here : https : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # And the website for the company, Study Notes, can be found here : XXXX XXXX XXXX XXXX As I understood it, I would receive a physical book. What I actually received was a notice that what I had purchased was a black and white set, and if I wanted full color and illustrated notes, I'd have to pay more money. Again, at no time did I see any references to this being a digital download. The charges even included a shipping fee. 
So, I was surprised when I received files in my inbox for download and printing. I contacted Capital One to file a chargeback. I'm under no obligation to contact scammers, and this was clearly a scam. The product was misrepresented on purpose. I rebutted the denial of my claim with Capital One, each time providing more information. I sent screenshots of XXXX finding in my favor, saying that the video violated its community standards. Yet, Capital One still found in favor of the merchant, despite all the evidence I provided. 

The reason Capital One gave me for denying my claim was because the merchant said I did not contact them and because I was told multiple times the product was digital. That statement alone contradicts itself : I've never contacted them, but they're claiming to have told me multiple times that the product was digital. That's totally dishonest and also shows that Capital One did not investigate. 

Purchase Date : XX/XX/XXXX Original claim dispute filed : XX/XX/XXXX Additional information sent to Capital One via email XXXX : XX/XX/XXXX at XXXX XXXX Additional information sent to Capital One via email XXXX : XX/XX/XXXX at XXXX XXXX and XXXX XXXX XXXX found that the merchant 's ad violated its community standards : XX/XX/XXXX Claim denied : XX/XX/XXXX, rebuttal requested Additional information sent to Capital One via email XXXX : XX/XX/XXXX at XXXX XXXX Claim denied : XX/XX/XXXX, rebuttal requested, sent email expressing frustration to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX Claim denied : XX/XX/XXXX, request for information on how decision was reached Information on how decision was reached : emailed to me XX/XX/XXXX, can not file any further rebuttals, sent another email to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX and included the document from Capital One that found in favor of a scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aldous & Associates, PLLC
State: IN

Complaint narrative:
Dispute item Amount : 195 Account : ALDOUS AND ASSOCIATES Account : ALDOUS AND ASSOCIATES Result Denied XXXX investigated your dispute but the information was verified as accurate. Other information was also updated. 


ALDOUS AND ASSOCIATES XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I sent a formal debt validation request to Caine & Weiner regarding a {$730.00} insurance collection that appears on my XXXX credit report. I requested verification under FDCPA 809 ( b ), including the original signed agreement, itemized billing, and proof of collection authority.

They did not respond or provide any documentation. This account continues to report to XXXX without validation, violating both FDCPA and FCRA 611. I have also submitted a dispute to XXXX. I am requesting CFPB assistance in having this unverified account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: PA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: PA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: SC

Complaint narrative:
This letter is not a refusal to pay but a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide : Proof that this debt is mine and legally enforceable. 
The original signed agreement or contract linking me to this account. 
Documentation showing the full history of the debt, including the original creditor. 
Any judgments, insurance claims, or assignments of the debt. 

Until you provide this information, you must cease all collection efforts and remove any negative reporting from my credit file. If you can not validate this debt within 30 days, I request that it be permanently removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: Chime Financial Inc
State: OH

Complaint narrative:
All right, XXXX XXXX, spoke with the merchant XXXX yesterday. XXXX company informed me that they attempted a withdrawal of {$41.00} from my chime account at XXXXXXXX XXXX on XXXX XXXX. Chime, my account, forced me to file a dispute concerning the {$41.00}. I shouldn't have had to file a dispute. The merchant XXXX told me that the payment failed however, XXXX tried to take {$41.00} on XX/XX/XXXX and the payment failed. Chime made me file a dispute when the money shouldn't have been able to be taken out of my account until the merchant was ready to proceed with payment. Time is a horrible company it treats its customers very badly they have stole money from me over {$100.00}. Their feature called XXXX went from {$360.00} down to {$240.00}. I asked them why. They stated it's an algorithm that reevaluate the account and the deposits and transactions. However, my income has not changed so therefore they might pay feature amount limit should not have decreased. My income has been {$1100.00} since XX/XX/2025. Chimes my pay feature explanation States as long as you receive a direct deposit of {$1000.00} or more you can receive up to {$500.00} of your pay per pay. My income has not changed there's no reason that the feature should have decreased. that being said, I repaid {$350.00} for the advance from last month. I repaid {$10.00} in fees for last month. This month it's {$240.00}, minus the fees they basically kept slash stole {$110.00} from me. Isn't that stealing? On top of that, I reached out to chime custo
mer service via chat. Each time I ask for a live agent, they're telling me that I have to call. I can not call at the moment to talk to anyone that's why I chose chat option in the first place. I have proof of all of that. Time has failed to give me a legal legitimate reasonable explanation as to why they are keeping money of mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-12 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: TX

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MO

Complaint narrative:
XXXX XXXX XXXX is claiming that I owe a debt for XXXX XXXX. I asked for a debt verification letter which they sent. In the verification letter I found several errors revealing this debt to do not belong to me. First the address listed on the property was never an address that I lived. Second, they claim that I made a payment of XXXX dollars ending in card number that I have never had. Finally, on my credit report it states that the debt is a joint debt, but the debt verification only shows me as the sole owner. I have made multiple attempts to dispute this debt with XXXX, XXXX, and XXXX. Each credit agency continues to show the debt as valid although I have shown the mistakes. 
XXXX XXXX XXXX also have called my phone 8-10 times in one day. They have left over 100 messages. They have used many intimidation tactics including name calling, refusing to send debt verification letter, and threatening me, while hanging up the phone repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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:
HELLO MY NAME IS XXXX XXXX. IT IS SHOWING XXXXXXXX XXXX FRAUDULENT CREDIT CARD ACCOUNT ENDING XXXX IN MY CREDIT REPORT WHICH IS FRAUDULENT AND MUST BE REMOVED NOW IT IS ALSO SHOWING FOLLOWING FRADULENT INQUIRIES THAT MUST BE REMOVED FR MY CREDIT REPORT XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX I AM THE ONLY PERSON WHO MADE THIS STATEMENT

Company response to consumer: Closed with explanation