vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AR

Complaint narrative:
XXXX XXXX  ( the actual Bank that my Chime checking account is owned and operated by ) has maliciously made every attempt not to comply with their duties mandated by their agreement with XXXX. I disputed a charge with from XXXX XXXX for tickets that were returned in what XXXX XXXX called their refund process only to be issues a XXXX XXXX credit after the merchandise was returned. Not only that, but this XXXX XXXX credit requires me to spend more money to actually use. I have provided XXXX XXXX  ( Chime ) with clear and concise evidence of this. Under the XXXX requirements they are to provide a provisional credit while investigating the dispute. In a clear attempt to skirt their responsibilities and hold onto money as long as possible the reclassified my dispute to credit not applied instead of merchandise returned in direct conflict to the evidence they possess. 

XXXX XXXX  ( Chime ) has a history of denials, delays, and other roadblocks to defraud their customers monies owed to them. They are doing to in this matter as they attempted to do to me in the related dispute which they denied 5 times before approving despite having access to all evidence on the initial review. This is a predatory practice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
After carefully looking at my credit report I noticed there where fraudulent unauthorized hard inquiries on my report that I did not authorize. I would like to request removal of those inquiries listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT 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 2025-08-20 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance 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 explanation
Consumer complaint received 2025-08-20 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: TX

Complaint narrative:
I need to emphasize that this complaint is not a mistake. My credit report contains clear inaccuracies that must be corrected. These errors are causing ongoing harm and significantly affecting me in ways that can not be overstated. This situation is unacceptable and requires immediate resolution.

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 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
on aprox XX/XX/XXXX Capital one froze my account. they claimed questionable activity, which was, they claim an electronic payment made using my brothers bank account. They kept the payment, but restricted my account, even after I sent my brothers bank statement, and they spoke with my brother as well as speaking with his bank. Although I am disappointed in having my account senselessly frozen, as I had many auto pays using this account, and have very good credit, but even more so, I need my points! They told me that everything was resolved, but they didn't release my account, I cant use my card, nor do they allow me to use my accumulated points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I get called every day while Im at work. Its harassment at this point. Its constant. For months. I dont know who they are or what debt they think I have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ASSOCIATED BANC-CORP
State: MN

Complaint narrative:
I opened a checking account with Associated Bank in response to a promotional offer that promised a {$600.00} bonus upon meeting certain requirements. The terms of the promotion included the following : Maintain an average daily balance of {$10000.00} for at least 90 days. 
Have direct deposits totaling {$500.00} or more into the account within the first 90 days. 
Receive a {$600.00} bonus after fulfilling the above conditions. 

I fulfilled both requirements : I maintained the required balance for the full 90-day period and had direct deposits totaling over {$500.00} deposited into the account during that timeframe. 

Despite meeting the terms, Associated Bank is now claiming that I did not have qualifying direct deposits, which is incorrect. I have documentation that clearly shows these deposits were made.

I spoke with a manager at my local Associated Bank branch, in an attempt to resolve this issue, but the bank continues to deny the promotional bonus. 

I have met the criteria in full and that the bank is wrongfully withholding the promised reward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Unauthorized access to my credit report by several companies has directly damaged both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, and the inquiries remain. This failure to act is unacceptable. 

The continued presence of these unauthorized and potentially fraudulent entries is highly alarming and strongly indicates possible identity theft. This unresolved issue is causing ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filing this complaint regarding inaccurate and obsolete personal identifying information appearing on my credit report. 

The credit reporting agency is reporting outdated or incorrect identifiers, including old addresses, name variations, and other personal information that does not accurately reflect my identity. This information is not relevant to my current credit file and is causing confusion, potential file mixing, and possible harm to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to maintain only accurate, complete, and necessary information. Retaining obsolete or incorrect personal identifiers is a violation of these standards. 

I am requesting that the credit bureau : Remove all outdated addresses, name variations, and other incorrect personal identifiers from my credit file. 

Update my credit file to reflect only current and correct personal identifying information. 

Provide confirmation in writing once these corrections have been completed. 

I expect the bureau to comply with the FCRA and provide resolution within the required timeframe.

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 2025-08-20 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 - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
In XX/XX/year>, I paid {$480.00} to a mechanic through XXXX for a starter replacement. This repair was based on the mechanics initial diagnosis that the starter was the issue. After the installation, my car still did not start. The mechanic later told me the problem was actually a locked-up compressor, not the starter. 

When I raised concerns, he admitted in writing that the starter repair didnt fix the problem, but refused to acknowledge it was a misdiagnosis. As a result, I paid nearly {$500.00} for a repair that had no effect on the actual issue. I have screenshots of our conversation where he acknowledges the outcome but denies any error. 

I believe this qualifies as an ineffective service due to an incorrect diagnosis, and I am requesting a refund for a service that failed to resolve the problem it was supposed to address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: TX

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8100.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX 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 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 2025-08-20 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: NV

Complaint narrative:
I am filing a complaint against Equifax for failing to uphold its legal obligations under the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts to resolve inaccuracies on my credit report, Equifax has failed to conduct a proper reinvestigation and has not removed or corrected items that are inaccurate or unverifiable. I initially sent a formal dispute on XX/XX/year>, followed by a second dispute on XX/XX/year>. 

My latest Equifax credit report, dated XX/XX/year>, shows that several key items I disputed remain unresolved. The following accounts are still being reported inaccurately or lack proper verification : XXXX of XXXX : Multiple student loan accounts still report as " XXXX '' with outstanding balances. My disputes clearly stated that these accounts show over 120 days late, and their statuses and balances were not properly updated. 

XXXX XXXX XXXX : This collection account remains on my report. I have repeatedly disputed this debt buyer listing because it lacks verification of the original creditor and its status is unclear. The report lists the original creditor as XXXX XXXX XXXX A and a balance of {$490.00}, but my dispute remains unresolved. 

XXXX XXXX : This medical collection account is still on my credit report. I disputed this item because the debt lacks itemization and has balance inconsistencies, yet it remains active with a balance of {$640.00}. The report acknowledges that " CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS '', which confirms the dispute is ongoing. 

These unresolved inaccuracies are a direct violation of my rights under the FCRA, which requires the deletion of unverifiable or inaccurate information. The continued presence of these negative items has unfairly impacted my credit profile and financial opportunities. I am seeking the immediate deletion of these inaccurate accounts and a revised credit report that accurately reflects my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: GA

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 : INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} 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, 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 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recuvery LLC
State: AL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for furnishing inaccurate and unverifiable information to Experian without providing any proper validation or legal standing. This account has never been validated under FDCPA 809 ( b ), and no contract, assignment, or proof of ownership has been presented. Their reporting violates the Fair Credit Reporting Act under 1681e ( b ) and 1681s-2 ( b ) for continued reporting of false and unverified data. 

I have suffered adverse action including denials of credit due to this unlawful reporting. This account is causing material harm, and despite being legally obligated to provide proof, XXXX has failed to comply. I demand immediate deletion of the tradeline from all CRAs, full investigation by CFPB, and all remedies available under law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: MS

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: MA

Complaint narrative:
Dear CFPB, I am filing a complaint regarding an {$820.00} collection account being reported by Diversified Adjustment on behalf of T-Mobile ( Account # XXXX ). I have no knowledge of this debt, never received any notice of default, billing statements, or validation documents from the original creditor or collector. I formally disputed the account and requested validation, but to date, no contract, account history, or assignment proving ownership has been provided. 

The account is also reporting inconsistently across the credit bureaus : XXXX  shows it as an open account, while Experian and Equifax list it as a collection, creating materially misleading and inaccurate reporting in violation of FCRA 1681e ( b ). Continuing to report this alleged balance without validation is both inaccurate and unlawful under FCRA 1681s-2 ( b ) and FDCPA 809.

I have demanded full validation of the debt, including : Original Credit Agreement proves the contract I signed Full Itemized Statement shows how the balance was calculated Forward Flow Agreement proves debt was legitimately transferred to collector Chain of Title / Assignment Documents shows proper legal transfer of debt ownership XXXX XXXX XXXX verifies payments made or missed Validation Notice per FDCPA 15 USC 1692g proof they sent me proper notice Notice XXXX XXXX or Intent to Collect proof of communication as required by law Proof of Statute of Limitations confirms the debt is still legally collectible XXXX XXXX XXXX agreement allowing them to report to bureaus Documentation of Dispute Investigations proof they investigated my previous dispute under FCRA 15 USC 1681i None of these required documents have been provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation