vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Under the Fair Debt Collection Practices Act ( 15 USC 1692 ), I am requesting validation of this debt. 

Please provide complete information on the original creditor, original account number, the date this account was opened, the date of the last payment, the amount of the original debt, and an itemized statement showing the amount of the debt and any additional fees or charges. 
Find related How to dispute a collection directly with the debt collector If you are reporting this account to any credit reporting agency, under the Fair Credit Reporting Act ( 15 USC 1681b ), you must provide verification of this debt to those agencies upon request. 
At this time I dispute the validity of this debt under 15 USC 1692. Please verify this debt in writing and provide all information requested above within 30 days. 

If validation is not provided, I will expect this item to be removed from my credit reports and further collection activity to cease.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint against TransUnion, Equifax, and Experian for ongoing non-compliance with the Fair Credit Reporting Act ( FCRA ). 

I previously submitted disputes beginning XX/XX/year>, and followed up on XX/XX/year>, requesting a lawful reinvestigation and removal of multiple inaccurate and unverifiable accounts. Despite repeated correspondence, the credit bureaus have failed to remove, correct, or provide documentation validating the continued reporting of these disputed items. 

This conduct violates several provisions of the FCRA, including : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation. 

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification used to confirm disputed information.

15 U.S.C. 1681e ( b ) : Failure to follow procedures ensuring maximum possible accuracy. 

The bureaus have not provided the method and procedures used to verify the disputed accounts, the full contact information of the furnishers, or any documentation relied upon in the verification process. These failures show a pattern of noncompliance and disregard for the rights of consumers under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have an account on all XXXX credit bureau from jp mortgage and it shows as of XX/XX/year> it would be off my credit as negative item. I would like all XXXX bureau to remove it from my credit report. I have attached records from experian stated it would be rmeoved as of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
XXXX XXXX ( also reported as XXXX  ) has furnished inaccurate and inconsistent payment information to the national credit reporting agencies XXXX XXXX XXXX TransUnion regarding my mortgage account that was closed and transferred on XX/XX/XXXX with a {$0.00} balance and last payment made XX/XX/XXXX. 
Each bureau is reporting different and contradictory information, including : TransUnion : 30 days late in XX/XX/XXXX while showing Transferred; was Paying as Agreed. 
XXXX  : 30 days late in XX/XX/XXXX but also marked Transferred/Closed with {$0.00} balance and no activity after XX/XX/XXXX. 
XXXX  : Conflicting reports one showing 60 days late in XX/XX/XXXX after closure, another showing Pays as Agreed, and the dispute portal now showing 30 days late in XX/XX/XXXX, more than two years after the account was closed. 
This information is factually impossible and in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ) ), which requires that data furnishers and credit bureaus maintain and verify accurate, complete, and consistent information. 
Despite multiple disputes to the credit bureaus, the inaccurate and conflicting data remains. This has caused credit score damage, reputational harm, and emotional distress due to the false reporting of late payments that never occurred.

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 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Under the Fair Debt Collection Practices Act ( 15 USC 1692 ), I am requesting validation of this debt. 

Please provide complete information on the original creditor, original account number, the date this account was opened, the date of the last payment, the amount of the original debt, and an itemized statement showing the amount of the debt and any additional fees or charges. 
Find related co.. 
Search How to dispute a collection directly with the debt collector If you are reporting this account to any credit reporting agency, under the Fair Credit Reporting Act ( 15 USC 1681b ), you must provide verification of this debt to those agencies upon request. 
At this time I dispute the validity of this debt under 15 USC 1692. Please verify this debt in writing and provide all information requested above within 30 days. 

If validation is not provided, I will expect this item to be removed from my credit reports and further collection activity to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy and reporting of the account listed below on my Equifax credit file. I am a confirmed victim of a data breach, and my personal identifying information may have been compromised and used without my authorization. Under the Fair Credit Reporting Act ( FCRA ) Sections 602A and 611 ( 15 U.S.C. 1681i ), Equifax is required to maintain only accurate and verifiable information.

Account in Dispute : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$840.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/year> @ XXXX XXXX XXXX, I received an email from Wells Fargo regarding an online application for a deposit account. They stated they were " unable to verify '' my identity. 

At XXXX I receive a follow-up email stating that the account is open and ready to set up. 

At XXXX I got an email access code for the application process. 

At XXXX I got a " Welcome to mobile banking '' email referring me to install the Wells Fargo XXXX I noticed this and gave Well Fargo XXXX line a call XXXX and waited to be transferred to the fraud department to report this. The lady on the line confirmed that an account was indeed opened with my personal information. 

I have never banked with Wells Fargo, have never contacted them for any reason ever, and never interacted with them. No idea how they even got a hold of my email.

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 2025-11-05 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: CA

Complaint narrative:
XXXXDeletion of all lates, negative reporting closed accounts and hard and soft inquires \\Example:\n14potentiallynegativemonths                       Balance updated XXXX XXXX Account info Account name\nAccount number Original creditor Company sold Account type Date opened Open/closed Status\nXXXXStatus updatedXXXX XXXX XXXXXXXXXXXXXXXX XXXX XXXX XXXXOpen\nForeclosure proceedings started. $XXXX past due as ofXXXX XXXX. XXXXBalance\nBalance updated Original balance Paid off\nMonthly payment Last Payment Date Past due amount Terms Responsibility Your statementXXXX 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 XXXXPhone number    By mail onlyXXXX Comments\nForeclosure proceedings started'

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
navy federal credit union is saying I had fraudulent activity on account that never had fraudulent activity on it. I appealed about 4 times with no response and they say I don't owe them. they won't give me an account number or amount outside saying I owe {$1900.00} for a credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
On or around XX/XX/year>, I received an email for Discover 's 'exclusive ' offer to apply for a $ XXXX loan. I could check to see if I was approved w/o a hard inquiry on my credit. I called XXXX, and the amount and time to pay off was discussed. I didn't have all the credit card company account numbers with me, so I was told I could call back with that information. I was approved for {$35000.00}. I went online and selected the XXXX accounts I wanted to pay off and submitted. On XX/XX/XXXX, I received an email that I needed to call in to verify additional information, which I did. On XX/XX/XXXX, I received an email that my loan was declined. I called Discover today ( XXXX ) to find out how I was approved over XXXX weeks ago and now declined. I am frustrated I did all that work to get approved, then denied. I won't do business with Discover again. That's all fine. What is NOT fine is the hard inquiry on my credit report. When I called today, I told XXXX XXXX I wanted the hard inquiry removed. She stated that couldn't be done. So, for the entire bait-and-switch that occurred, I just want the inquiry removed. I only went with Discover because it read it would not affect my credit score, which it most certainly did. I have NEVER been approved then declined. Horrible business practices, and didn't know companies could do that. I can get a loan elsewhere, but now I'm hesitant because I don't want to be tricked again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: SC

Complaint narrative:
Inaccurate information being reported. Please remove from my credit report. Credit reporting agencies information does not match. Request for this account to be verified! Balance does not match, date opened does not match

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 2025-11-05 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My amazon account was closed and the {$1400.00} I had accrued reward points were taken away when I tried to spend them. My account was closed from what I can tell was from me trying to pay off my Amazon store card before my due date and all three times I tried to pay my bank rejected the payment. I still paid the card off on time, and at no time went into debt or failed to make a payment on time. The issue on my side was I would move money into the account to pay it before it was due and other funds would be withdrawn from that account causing the bank to deny for insufficient balance since synchrony takes four days to pull funds. At no point in time was I late on a payment and my account was closed and {$1400.00} in rewards taken away. 

I normally over pay my credit card so there is a negative balance ( extra to spend ) and my statements reflect that. 

I contacted the bank and was told there is nothing they can do for me and there is no further resolution mechanism. 

1 ) Returned Payments Were NOT My Fault & Did NOT Cause Delinquency. I initiated three early payments ( before due date ) via ACH from my bank. My bank rejected due to timing of other withdrawals Synchronys 4-day processing delay created an artificial NSF. I still paid in full ON TIME. No late fees, no derogatory reporting, no balance carried. 

2. Synchrony Closed Account for Risk Despite Perfect Record. CFPB Circular XXXX states : Abrupt cancellation of earned rewards without notice or grace period may constitute an unfair practice ( UDAAP ). 

3. Texas Law Prohibits This Conduct. Texas DTPA 17.50 ( a ) ( 3 ) : Unconscionable action causing {$1400.00} economic damage. Texas Finance Code 392.304 ( a ) ( 8 ) : Misrepresenting the character/amount of consumer debt ( rewards are earned property ).

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 2025-11-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
We have {$12000.00} in medical debt. Long story short, our daughter could not XXXX XXXX XXXX on her own and we were in the hospital or XXXX  or her XXXX office at least 2 times a week for XXXX years. I just paid off a {$1700.00} bill in full with another debt collector due to our daughters past medical bills. We are drowning. They sued us and are saying we can not pay any less than {$480.00} a month. We just cant do that. We are willing to work something out, but that is too much monthly. The craziest to big about all these bills, doctor visits, operations .. is that I found a woman on XXXX XXXX for XXXX XXXX who healed my daughter. Holistically and a natural approach. So I paid all this money in doctors bills, for absolutely nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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 sending this dispute to formally challenge and request correction of certain late payment entries that appear to be inaccurately reported on my credit file. After reviewing my credit report, I have identified discrepancies in the reporting of several accounts. Under FCRA 611 ( a ), I have the right to request a reinvestigation of any information I believe to be incomplete or inaccurate, and FCRA 607 ( b ) requires that furnishers and credit reporting agencies maintain the maximum possible accuracy of the information they provide. I respectfully request that each account be thoroughly reviewed, verified, and corrected so that my credit file accurately reflects my true payment history and account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I am submitting this letter to formally dispute several inaccurate and misleading accounts currently being reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 602, 611 ( 15 U.S.C. 1681i ), and 623, I am requesting a full reinvestigation of these accounts. 
After a recent and thorough review of my credit report, I discovered that several accounts are being reported as late or delinquent, and an inquiry appears that I do not recognize or authorize. These inaccuracies do not reflect my actual payment history or credit behaviour and are unfairly impacting my credit standing. 
DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2800.00} DEPTED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} DEPTED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} DEPTED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} DEPTED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00}

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 2025-11-05 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: OR

Complaint narrative:
Charges came through on my debit card which is in my position, which I didn't authorize. I canceled my card and requested a new one based on the fraudulent charges. Chime sent me a new debit card with the same card number and the problem continued. On XX/XX/XXXX, I had a large number of charges come through on my card, about 30 of them for a total of almost {$75.00}. Chime sent me an alert stating the charges were suspected as fraud and my card was frozen so they wouldn't allow the transactions. For some reason these charges were able to go through and I had to call and cancel my card to get the charges to stop. I have disputed them 4 times now and have a case number with the local police ( per chimes request ) and they still refuse to overturn the payments and add my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
On XX/XX/year>, I mailed Rent Recovery Solutions a formal written request for debt validation. On XX/XX/XXXX, they responded stating they are still gathering documentation. However, they updated my credit report on XX/XX/XXXX, after receiving my dispute, which constitutes continued collection activity and a violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ).

I am requesting the Consumer Financial Protection Bureau to investigate this violation and require Rent Recovery Solutions to immediately remove or suppress the tradeline from all credit bureaus until the debt is properly validated.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/year>, I created XXXX checks through XXXX  Mail a Check service in the amounts of {$960.00}, {$1400.00}, and {$4000.00}. 
On XX/XX/year>, at approximately XXXX AM XXXX XXXX, I contacted Chime and requested that all XXXX  checks be canceled. The agent confirmed that the checks were successfully canceled and assured me that the funds would be returned to my account. 
For the next XXXX weeks, I contacted Chime multiple times to confirm the status. Each representative consistently told me that the checks were canceled and that the funds would be re-credited. My account activity also showed each check as Canceled or Expired and listed them as pending deposit for that period. 
Despite this, Chime later mailed the checks out anyway, and the recipients cashed them. The funds were never returned to my account. 
Chime is now refusing to reimburse me, claiming that the checks were XXXX  though they were supposed to have been canceled well before that. I am requesting that the CFPB review this issue and help ensure that Chime returns the funds that should have remained in my account and addresses their failure to properly process and honor my cancellation requests. 
I have attached photos of conversations I had with agents in which they told me that the checks were canceled, and also that the funds will be returned to my account. I have many more of these conversations that I could send to you of the same exact type of thing where they are telling me that the checks are canceled and the funds to be returned. XXXX  attached just a few. I also attached photos of where my account with chime told me that the checks were expired and also a photo of where my account told me that the checks were pending deposit back into my account. 
I was depending on this money thats why I canceled the checks, and I understand that there are procedures and ways that things work within chime, and I understand that the fine print says that even if you cancel the check, it may still be processed and delivered to the recipients and cashed. But in this case I was told numerous times that the checks were canceled and at that point chime, then did assume that responsibility of making sure that the funds people put back into my account. XXXX  been waiting for weeks for these funds, and I need them returned.

Company response to consumer: Closed with explanation