vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: OK

Complaint narrative:
I was attempting to turn my card off as I believed it was stolen while at a grocery store. I tried canceling my card and ordering a new one but ended up getting a metal card for over XXXX. I am on social security and I would never order a metal card when you get the plastic ones for free. I had called the police to report it stolen and the told me to turn it off. I was in the app trying to freeze my card and I called Chime numerous times immediately following this and they said its too late we are printing it already. How is this fair or legal? Who would want a permanent metal card when the number changes and cards expire or get lost? Please remove this card and charge. XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: TX

Complaint narrative:
Debt was paid in full, letter of deletion from credit report was not provided. Still shows up as a " collection '' after the amount of {$700.00} was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: NY

Complaint narrative:
To Whom It May Concern, In response to the companys request, I am providing limited information solely for the purpose of identity verification related to this complaint. 

Name : XXXX XXXX Address : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX This information is provided only to allow CREDIT CONTROL , LLC to conduct a meaningful investigation into the disputed account. I continue to dispute this account in its entirety. 

As previously stated : * I do not recognize this alleged debt * CREDIT CONTROL , LLC has stated they do not own the debt * The account contains inconsistent reporting dates ( alleged XXXX origin vs. XXXX collection reporting ) I am requesting that CREDIT CONTROL , LLC now either : XXXX. Please Provide full validation and proof of authority to report this account, or XXXX. Cease reporting and request deletion of this account from all consumer reporting agencies due to inability to verify accuracy Please provide a substantive response addressing the merits of this dispute. 

Sincerely, 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 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I opened an account with Bank of America on XX/XX/XXXX or XX/XX/XXXX. I was able to transfer funds in and out of the account and was waiting on a debit card to be mailed. Suddenly I was unable to transfer funds and the debit card I received would not work and was saying it was invalid. I was informed on XX/XX/XXXX that my account was closing and I needed to verify my identity and transfer funds. I informed them I never had an account with Bank of America as they were seeing two separate accounts for me. One closed and the other open. I was assured that my open account was good. I still was not able to transfer money so I went into the bank. I spoke with someone who reissued me a new card and also assured me that should stop any activity on the account for 30 days. Today, on XX/XX/XXXX I wake up and my account is processed for closure and Im being told it will take 7-10 business days for me to receive the money. I have bills due, rent due and this is the only explanation anyone can give to 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 monetary relief
Consumer complaint received 2025-12-24 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: NC

Complaint narrative:
My name is XXXX XXXX, and I am a resident of XXXX, North Carolina. I am submitting this complaint regarding inaccurate, inconsistent, and improperly reported credit information appearing on my consumer credit reports. 

First, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting a 30-day late payment in XX/XX/XXXX to one credit bureau and a 30-day late payment in XX/XX/XXXX to another for the same account. A single account can not legally have different delinquency months. This inconsistency renders the reporting inaccurate and unverifiable. 

Second, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting a collection account without providing documentation demonstrating legal ownership of the debt, contractual liability, or lawful authority to report the account. Re-open collection These actions violate the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Failure of furnishers to reasonably investigate and correct disputed information Because I am a North Carolina resident , this conduct also violates state law, including : North Carolina Debt Collection Act ( N.C. Gen. Stat. 75-50 through 75-56 ), which prohibits misleading or unverified credit reporting North Carolina Unfair and Deceptive Trade Practices Act ( N.C. Gen. Stat. 75-1.1 ), which prohibits unfair and deceptive business practices The continued reporting of inconsistent late payments and an unverified collection account suggests reliance on automated or superficial verification methods rather than a meaningful investigation.

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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was approved for the " Citi XXXX XXXX XXXX XXXX '' ( XXXX Account ). Immediately after approval, I relocated due to a divorce and requested to update my mailing address to a secure location ( XXXX  Mailbox ) as I no longer have access to the address on the application. 

The Issue : Citi 's automated system failed to verify me via SMS ( despite using the number on file ). Consequently, Citi froze the account and insisted the only verification method is a letter mailed to my former address. 

The Unfair Practice : I called customer service 3 times on XX/XX/XXXX to resolve this. I explicitly informed Citi that I have vacated that property due to a divorce and can not access the mail there. The supervisor refused to offer alternative verification methods ( such as uploading ID, lease, or affidavit ) and stated I must " find a way to fetch the letter, and it was my problem. '' This creates an impossible " XXXX '' where I must access a location I do not inhabit to prove who I am. 

Financial Harm : I am blocked from accessing the credit line I was approved for. 

Citi is persisting in mailing the card to an address where I do not reside. It will inevitably be returned to the sender, delaying my ability to use the card. This delay prevents me from receiving the XXXX Welcome Bonus, which was the sole reason I obtained this card. The XXXX timeframe to spend {$5000.00} began immediately upon approval, and Citi 's refusal to correct the address is consuming this limited time, ensuring I can not meet the terms of the offer.

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 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to report a fraudulent activity that occurred during the closing of an investment property. Someone impersonated the escrow XXXX by using the same name as the actual XXXX and started sending emails with wire instructions. Believing these instructions to be legitimate, I transferred funds from XXXX different accounts. 
After contacting the escrow company by phone, I was informed that the wire amounts were not received. I immediately notified both banks about the fraud. My wife also contacted Wells Fargo to report the issue. 
Below are the details of the fraudulent transactions : Bank : Wells Fargo Amount : {$25000.00} Date Initiated : XX/XX/year> Bank : XXXX XXXX  XXXX : {$100000.00} Date Initiated : XX/XX/year> When I called Wells Fargo, they took several hours to just to transfer to the concerned agent. FInally when I got hold of one of the agent, they said it will take 2 business days just to assign a case officer looking into this case in spite of recipient account in Wells Fargo. I requested them to escalate and expedite but of no use. I am worried about the funds disappearing from the recipient account meanwhile.

I've also raised complaint in IC3. 
Best regards,

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 2025-12-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2025-12-24 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to dispute unauthorized and/or inaccurate credit inquiries appearing on my Experian credit report.

I recently reviewed my Experian credit report and identified one or more credit inquiries that I did not authorize and that do not accurately reflect a legitimate application for credit. These inquiries are negatively affecting my credit profile. 
The inquiries in question include the following ( if applicable ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Hard Inquires I did not provide written or verbal authorization for these inquiries, nor did I apply for credit with the listed company ( ies ). Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that information reported is accurate and verifiable. 

I have contacted Experian directly to dispute these inquiries ; however, the issue has not been resolved or the inquiries remain on my credit report.

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 2025-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Telerecovery Corporation
State: MS

Complaint narrative:
I am disputing a medical bill that I believe is inaccurate and should not be collected or reported. 

The account is for medical services allegedly provided on XXXX XXXXin the amount of {$930.00} associated with account number XXXX. 
I dispute this debt for the following reason ( s ) : The debt does not belong to me I have attempted to resolve this issue by [ contacting the provider / contacting Telerecovery on XXXX XXXX, but the issue has not been corrected. 
This account is being reported on my credit report. If it is being reported, the information is inaccurate and should be corrected or removed. 
I am requesting that the company : Provide written validation of the debt.

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 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing in response to a new account that has appeared on my credit report under the name XXXX XXXX XXXX XXXX. I received an alert indicating that this account was inserted into my credit file without my authorization and without my knowledge of any such debt. I do not have a contract or lawful relationship with this company, and the reporting of this alleged account is damaging my credit reputation and standing. 
I attempted to contact the company directly ; however, they did not provide any documentation that validates the alleged debt, no contract, no signed agreement, no itemized accounting, and no supporting records of ownership or consent. In the absence of original, verifiable documentation, this reporting is unsupported and improper. 
This matter also concerns my privacy and the permissible use of my consumer information. Under Section 601 of the Fair Credit Reporting Act ( FCRA ) and related provisions governing privacy, accuracy, and permissible purpose, no party may report or circulate consumer information without a lawful basis, proof of authorization, or a valid underlying obligation. 
Because there is no evidence of a valid contract or verified account, I am demanding the immediate deletion of this entry from my credit report and written confirmation once the deletion has been completed. Continued reporting of an unverified and unauthorized account constitutes a violation of my rights and must cease without delay. 
Thank you for your prompt attention to this matter. I remain willing to review any legitimate, original documentation if it exists, but until such records are produced, this account must not be reported, collected upon, or treated as valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
A year ago got a charge of {$69.00} from " XXXX '' an online company that provides consumer computer fraud protection but from the notices online this company is a fraud! 
I never requested the service and last year Bank of America reversed the charge and sent me a new card with a different number. Then they charged again and again Bank of America reversed the charges. 
How can this company even know what my new charge is? 
They can just request it from Bank of America or XXXX who will give it to them. 
SO EVERY SIX MONTHS I HAVE TO GET A NEW CARD! 
This causes me to have to renew all my frequent online charges. 
Am I not entitled to this privacy? 
I'm a 40 year customer with 7 figures in this bank! 
How do I get help here??

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 2025-12-24 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: VA

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-12-24 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ill try to explain I have the problem with the XXXX they continue reporting since XXXX for the credit just they need to take it out this account to my bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: VA

Complaint narrative:
FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) I am writing to formally report identity theft due to multiple data breaches and request the removal of inaccurate fraudulent negative outdated and incomplete items from EXPERIAN, EQUIFAX, TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXXS, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), I am entitled to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : EXPERIAN EQUIFAX, TRANSUNIONXXXX 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 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 XXXXXX/XX/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 2025-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: MO

Complaint narrative:
There are several issues at play here. First issue is that I was denied eligibility of XXXX months of eligible payments towards PSLF  due to an administrative forbearance via XXXX. They were making changes to their website. It clearly states on FSA 's website that administrative forbearances should not count against PSLF. I chatted with people & they had me submit a reconsideration request with evidence ( I even submitted the correspondence from XXXX that states these months should still count towards forgiveness ). FSA denied the request. That process took so long that it didn't even matter by the end of that request because I had made up the months in the meantime. So, I moved on to the next issue which is that the FSA has documented proof of employment eligibility for several months & will not update my account to show those within my XXXX payments. I should have been done with forgiveness months ago. I was given the run around by several FSA workers. I was told to submit a fulfillment request. They cancelled the request without notifying me of the cancellation AND the reason why. I contacted them again to inquire and they told me that wasn't the right form to submit. I needed to submit another reconsideration request. Ugh. I don't have much luck with those, but okay. I obliged. That was on XX/XX/XXXX ( well over 45 days ago ) and the timeframe to resolve those requests is 45 days. I inquired and they just said " the are waiting for the department of education ''. This is ridiculous. They have all the documentation needed to fix my payment count towards PSLF. I also submitted a feedback case ( complaint ) and was told those are to be resolved within XXXX business days ... it has been 50 days with no resolution. This whole thing is an issue on their end and seem unwilling or incompetent to resolve it. I followed every protocol and guidance they gave me to still be fighting this more than 6 months later. I just need someone to be looking into this department because things are beyond unorganized and prompt.

Company response to consumer: Untimely response