vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I received an email on XXXX congratulating me for opening my new Savings account with Synchrony Bank in MY name with MY SSN and also received mail to MY address with a Signature Card for me to sign and return. I did not open this account. I called and reported to Synchrony Bank. They advised they would " review '' this withing XXXX business days. 

I also received an email from XXXX Bank advising an application to open a savings account was declined. 

Upon further investigation, my credit report showed a Missouri higher education loan was taken out in my name for over XXXX in XX/XX/year>. This is all 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 non-monetary relief
Consumer complaint received 2025-11-15 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: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/XXXX I deposit XXXX payroll checks in my checking account. I was immediately told these funds would be available on XX/XX/XXXX. I have the accounts a long time and have deposited paper checks remotely before and never had this issue. They usually release XXXX in first check and the rest within 5 days. 

Last night I complained to Chime again and now they say they will hold my checks until XX/XX/XXXX. This is unacceptable. And has caused an extreme hardship for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I purchased an airline ticket using my Chase credit card. 
The airline ( XXXX  ) cancelled the flight. 
I initiated dispute with Chase and sent all the info to the credit company ( a letter from airline canceling the flight ). 
Chase informed me that they consider the charge valid despite the fact that I have a letter from the airline that they would refund me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I received an offer with promotion clearly stated a 3 %  balance transfer fee. Based on that advertised rate, I proceeded with my application However, after being approved, I was notified that the actual balance transfer fee was 5 %, not the 3 % that was explicitly stated in the offer. 

I am attaching/providing screenshots/documentation of the advertisement showing the 3 % offer. And what I have

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion is reporting an XXXX XXXX credit-builder account with a late payment and a charge-off status that is factually impossible. This account never involved any money, never had a balance, and could not legally become late or charged off. XXXX  and XXXX  deleted this same account because it could not be verified. 

TransUnion is the only bureau still reporting it, and I have disputed it multiple times. Each time, TransUnion responds that the information was verified, but they refuse to provide any proof, documents, payment history, or the method of verification required under 15 U.S.C. 1681i.

I also did not receive any reinsertion notice, even though this account was previously removed and later reappeared, which violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This account should not exist on my credit report, and TransUnion has failed to conduct a proper reinvestigation, failed to verify accuracy, and is reporting inaccurate information that is damaging my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: OH

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX Re : Formal Complaint Debt Collectors Ignoring 15 U.S.C. 1692c ( c ) Cease and Desist Rights To Whom It May Concern : I am submitting this formal complaint because multiple debt collection agencies are harassing me despite my lawful rights under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). These agencies continue to contact me about alleged debts even though I am asserting my right to require all communication to stop immediately. 

The accounts involved include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>XXXX  {$270.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/year> {$210.00} Source Receivables Management XXXX Opened XX/XX/year> {$810.00} I have the legal right to demand that these collectors cease all communication, with only two exceptions : 1. Informing me that further collection efforts have stopped ; or 2. Notifying me that they intend to take a lawful action normally used by debt collectors. 

Instead, they continue to contact me, harass me, and disregard federal law. 

I am requesting that the CFPB investigate these violations and take the appropriate enforcement action to make these agencies comply with the FDCPA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist bank is reporting in accurate fraudulent information on my credit report. I need this fake account removed from all of my credit bureaus especially XXXX credit bureau. It is stopping me and hurting my chances from getting new credit and affecting my credit score. I need it removed ASAP if not within 15 day window, you guys owe me {$1000.00} in damages. I need it removed ASAP. This fraudulent account with a lot of inaccuracies it keeps opening and closing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
LAW SUIT FILED WITHOUT ANY ARBRITATION/ SOLD TO A THIRD PART, MCM LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I returned the merchandise and chime still gave the money {$2000.00} back to merchant although I had submitted proof that the merchandise was submitted back to them and proof of return was submitted to the portal on Chime. On XXXX XXXX the merchandise was returned and I provided proof a lot of it to Chime receipts. Of return they had the money and still proceeded to return the money back to merchant illegally. 

Also none of the reps could tell me what happened or what was going on with my dispute and they failed to notify me or send any mail, emails concluding the dispute. 

I did nothing wrong other than did business with the wrong company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following dates on time for XX/XX/XXXX, but reported as 60 days late on XX/XX/XXXX. As well as paid on time on XX/XX/XXXX, but reported as 60 days late for XX/XX/XXXX. Im now requesting that you investigate this account and update these payments to Paid on time/ Never late immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Dispute & Demand for Immediate Deletion Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX Status : Fraudulent Not Mine To Whom It May Concern : I am writing to formally dispute the above-referenced account that XXXXXXXX XXXX XXXX is reporting or attempting to collect. This account is not mine, is inaccurate, and appears to be the result of fraudulent activity. I have no knowledge, records, or association with this alleged Snap Finance account. 

Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i and 1681s-2, and under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting : XXXX. Immediate deletion of this account from any credit bureau to which it has been reported ; XXXX. Immediate cessation of collection activities related to this fraudulent account ; XXXX. A complete investigation and written confirmation that this account has been removed and all collection activity terminated. 

Because this account is fraudulent and does not belong to me, I demand that you do not verify or attempt to continue reporting this inaccurate information. Doing so knowingly would constitute a violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nationwide Capital Services, LLC
State: MO

Complaint narrative:
Company : Structured Settlements Collectors Name : XXXX XXXX Date of Call : XX/XX/year> at XXXXXXXX XXXX 
Your Location XXXX XXXX XXXX XXXX  XXXX : XXXX, abusive behavior, and illegal threats during a debt collection attempt. 


I received a phone call from a man named XXXX XXXX, who stated he was calling from a company named Structured Settlements regarding an alleged loan debt of approximately {$1000.00}. During the call, he was extremely disrespectful, repeatedly talked over me, belittled me, and used an aggressive tone. I was unable to speak or ask questions due to his behavior. 

XXXX XXXX also threatened to contact my employer and garnish my wages. This threat was made even though he did not provide any written validation of the debt, nor has there been any court judgment against me that would allow wage garnishment. His statements were clearly meant to intimidate and scare me into paying immediately. 

His actions violate the Fair Debt Collection Practices Act ( FDCPA ), including : Harassment and abusive conduct Making false and misleading statements Threatening garnishment without a court order Failing to provide written debt validation upon request I am requesting a full investigation into this companys practices, disciplinary action for this collector, and assurance that they will cease all harassing contact with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: FL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently review a copy of my XXXX report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Kiavi, Inc.
State: TX

Complaint narrative:
I applied for a loan with a company called Kiavi.

They denied me from the loan stating that the house had liens on it.

I asked my title company and they confirmed that there were no liens on the house.

I asked Kiavi to provide proof of said liens and they ignored me.

Bottom line is that they lied about the house having liens and denied me of the loan. This put tremendous stress since this was a time sensitive transaction and they drug it out and they wasted my time. It also hit my credit since hey did a hard credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: FL

Complaint narrative:
NOTICE OF INTENT TO SUE ( FCRA 605, 611, 623 15 U.S.C. 1681c, 1681i, 1681s-2 ) From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX To : XXXX XXXX  TransUnion and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Date : XX/XX/2025 Subject : Formal Notice Intent to Sue for Ongoing FCRA and Metro-2 Violations Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Metro-2 Reporting Standards, you are hereby placed on notice of continuing violations related to charge-off reporting on my consumer credit files. Each furnisher and bureau has reported derogatory charge-off tradelines that are factually inaccurate, unverifiable, and not in Metro-2 compliance . Specific defects include : Re-aged Date of First Delinquency ( Base 25 ) violates FCRA 605 ( c ) Improper Account Status/Payment Rating ( Base XXXX ) not coded XXXX as required Omission of Dispute Notation violates FCRA XXXX11 ( a ) ( 3 ) ( B ) Continuing to report a balance after charge-off/1099-C issuance violates FCRA 623 ( a ) ( 1 ) ( A ) Failure to re-investigate after dispute violates FCRA 611 ( a ) ( 1 ) ( A ) You are granted seven ( 7 ) calendar days from receipt of this notice to : 1. Delete all inaccurate charge-off tradelines ; 2. Provide written proof of lawful debt ownership and 1099-A/1099-C issuance ; 3. Deliver written confirmation of compliance. Failure to comply will result in a civil action filed in the U.S. District Court, XXXX XXXX XXXX Florida, seeking statutory, actual, and punitive damages, attorneys fees, and all costs permitted under 15 U.S.C. 1681n & 1681o. 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 non-monetary relief
Consumer complaint received 2025-11-15 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I did not open or authorize anyone to to open these accounts these are fraudulent accounts that need to be remove and deleted from my credit 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 2025-11-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I did not open or authorize anyone to to open these accounts these are fraudulent accounts that need to be remove and deleted from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: PA

Complaint narrative:
on XX/XX/year> debits were deducted from my checking account, and then again on XX/XX/XXXX an additional 2 were attempted, still pending. these charges were from an app called XXXX XXXX. and there are names of the individuals who got the money attached to each debit with last 4 numbers of the cards it was debited to. then on XX/XX/XXXX a larger amount of {$710.00} was debited from my checking to XXXX XXXX XXXX. I contacted my banks chime support and fraud department and filed a complaint. I also contacted the XXXX XXXX by phone and was told I can not dispute these charges because I don't have an account with them. During this short time, my bank denied my claim and refused to repay the money taken from my account. It was suggested that my debit card be replaced so I told them to do that, and also, I locked both of my cards with chimeXXXX  XXXX  XXXX after I locked both my bank cards, an additional debit was taken by the same XXXX XXXX on XX/XX/XXXX by XXXX XXXX for {$25.00}. I again requested an additional dispute and questioned how it happened if my card was locked. The person I spoke too had no answer why. I don't understand how a bank can investigate something like this is such a short time frame. and then just deny my claims. the other name on these transactions is XXXX XXXX. along with XXXX XXXX. the XXXX has only last 4 numbers of a card it was debited to of XXXX.

Company response to consumer: Closed with explanation