vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MO

Complaint narrative:
My Chime checking account was breached and two unauthorized XXXXXX/XX/XXXX transfers totaling {$830.00} were made to an unknown recipient in another state. Around the same time, the email and phone number on my account were changed without my consent. 

I reported the fraud immediately, but Chime denied my Regulation E dispute and stated that no error occurred. I never authorized these transfers, and I did not have any prior relationship with the recipient. I believe Chime failed to conduct a reasonable investigation as required under 12 C.F.R. 1005.11, and failed to protect my account by allowing contact-information changes and transfers without verification. 

I am requesting reimbursement of the unauthorized transactions and a copy of all documentation used in their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: MI

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
I have paid the settlement amount off of approximately XXXX that needs to be updated so I can receive my credit score improvement immediately as I was charged a 30 percent loan amount which was too high to begin with but at the time I did not understand how high it was. I am attempting to purchase a home and need them to update this immediately. I can't afford to wait due to me having 3 weeks to move out of my current home. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc
State: TX

Complaint narrative:
This complaint arises out of unlawful and non-compliant debt-collection conduct by January Technologies , Inc. , acting as a purported agent or assignee of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, concerning an alleged lease-to-own account originated in XX/XX/XXXX for a purchase through XXXX XXXX XXXX, with an asserted balance of {$2500.00}. The final payment to XXXX occurred in XX/XX/XXXX ; thereafter, in or around XX/XX/XXXX, the alleged account was placed with XXXX for collection. 

Beginning XX/XX/XXXX, XXXX initiated collection activity and transmitted electronic communications labeled as account validation on XX/XX/XXXX and again on XX/XX/XXXX. These communications fail to satisfy the statutory validation requirements set forth in 15 U.S.C. 1692g ( a ) ( b ). The content consisted merely of a generic balance statement and payment link, devoid of ( 1 ) the executed consumer lease or contract, ( 2 ) a complete transactional ledger itemizing debits, credits, fees, and interest, or ( 3 ) competent evidence establishing the legal chain of assignment conferring collection authority upon XXXX. 

Pursuant to 809 ( b ) of the FDCPA ( 15 U.S.C. 1692g ( b ) ), once a consumer disputes the debt in writing, the debt collector must cease all collection activity until proper verification is provided. XXXX continued attempts to collect absent verified documentation constitute a continuing violation of the FDCPA and derivative violations of the FCRA ( 15 U.S.C. 1681s-2 ) if any tradeline has been reported to consumer-reporting agencies without substantiation.

This conduct demonstrates : Violation of 15 U.S.C. 1692g ( b ) failure to cease collection pending validation ; Violation of 15 U.S.C. 1692e ( 2 ) ( A ) and ( 10 ) false, deceptive, or misleading representations concerning the character, amount, or legal status of the debt ; Violation of 15 U.S.C. 1692f ( 1 ) attempting to collect an amount not expressly authorized by agreement or permitted by law. 

XXXX actions constitute an abuse of process and a prima facie breach of statutory duty under the FDCPA. Its failure to furnish competent evidence of indebtedness renders the alleged balance legally unenforceable. The companys continued collection efforts without validation amount to bad-faith, willful non-compliance with federal 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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have paid the settlement amount off of approximately XXXX that needs to be updated so I can receive my credit score improvement immediately as I was charged a 30 percent loan amount which was too high to begin with but at the time I did not understand how high it was. I am attempting to purchase a home and need them to update this immediately. I can't afford to wait due to me having 3 weeks to move out of my current home. Please assist.

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 2025-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Opened a dispute claim for unauthorized XXXX activity on my XXXX account linked to my primary pay pal account. Claim was denied reason given '' normal transactions " no unusual activity detected '' no further investigation was granted to prove my account was compromised by another user other than myself the consumer! I received no benefits from this transfer and no authority was given!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/year> Portfolio Recovery Portfolio Recovery XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Debt Validation Pursuant to 15 U.S.C. 1692g Dear Portfolio Recovery I am writing in response to your claim that I owe a debt. This letter is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge or accept responsibility for this debt and request that you provide proper documentation to verify your claim.

Please provide the following : 1. The name and address of the original creditor. 
XXXX. The amount of the alleged debt, including a detailed accounting of any fees, interest, or charges. 
XXXX. A copy of any judgment ( if applicable ). 
XXXX. Copies of any documents bearing my signature that show I agreed to assume this debt. 
XXXX. Proof that your agency is licensed to collect debts in my state. 
Until this debt is properly validated, you must cease all collection activity, including reporting to credit bureaus, per the FDCPA. Be advised that any further attempts to collect without proper validation may constitute a violation of federal law.

This is a request for information only and is not a refusal to pay. Please respond within 30 days from receipt of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Lendbuzz Inc.
State: NY

Complaint narrative:
I take a car on my credit with XXXX down payment? They told me the car is for XXXX I told them to run my credit they told me after taxes and everything they car would come up to XXXX? Ok we settled I settle for the XXXX it was my first time getting a car so they scam me at XXXXXXXX XXXX the get they loan from the bank XXXX instead of take XXXX because i made a payment of XXXX they take XXXX from the bank i didnt receive the car an the documents until XXXX day i realize i afto pay back XXXX? So I take back the car but they threaten me about getting my credit damaged for XXXX years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: CT

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had an auto loan with Fifth Third Bank for a truck a purchased. During XXXX XXXX when I was having trouble making a truck payment I set up an agreement with Fifth Third to move three payments to the end of the loan. That is known as a payment deferment or loan extension. The lender agreed to this and I paid a payment to do the deferment. At the end of the loan when the vehicle was almost paid off Fifth Third Bank sent me an invoice for those final three payments due all at once. I was not told it would all be due at once in no paper work. I was under the impression that it would be three extra months to pay off the loan. Due to this I ended up paying the three payments which was required. That last final payment paid off the loan however Fifth Third Bank filed it as a late payment on my credit report which was not the case. I was under the impression I had three payments left that was extended which is how I was paying it but they did not see it that way and decreased my credit score. I tried to resolve this with them which they were not helpful. When doing a payment deferment it should be specified that those last payments are due all at once. If I had known this I most likely would have not done a deferment agreement. I have never had a last payment with Fifth Third for the whole term of the loan and I want this false information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
I recently had my phone stolen on XX/XX/year> the person who stole my phone proceeded to send all the money out of my account to themselves using the pay anyone method they are not in my contacts never made a transaction to said person I then made a police report ( XXXX ) after I made the police report I called chime to file a dispute and cancelled my cards and change the password on my account I then called my service provider to cancel my mobile service and put the phone on the stolen watchlist I had to go through the insurance company that I have connected to my phone to obtain a replacement phone Ive submitted all the documents chime has asked for and they have repeatedly denied my claim saying they didnt find and error and when said person is not in my contacts and Ive never did any transactions with them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Im having some issues with my XXXX  XXXX card ending in XXXX Im unable to get any account alerts or I cant transfer some of my credit lines to this card I have a XXXX credit card ending in XXXX I want to transfer {$500.00} out of that card to my XXXX  XXXX ending in XXXX and Im getting a error message on the capital one website saying we hit a snag please try again later. The XXXX one was formally a XXXX XXXX after capital one discontinued the card last year Ive been experiencing issue with this card. Unable to get any account alerts on this card. The credit limit increases are not working. I contacted the credit bureaus and they told me that capital one put some kind of block on my tradeline preventing any soft inquiries on my capital one accounts. Please troubleshoot my card ending in XXXX. XXXX use to be a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-26 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: OR

Complaint narrative:
It conveys the wrong idea about my financial outlook.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I first asked American Express how come your company is still reporting as an open charge off, when I disputed it. American Express removed the account off my reports. But it magically appeared again. So I asked when did I reopen this account and can I get a copy of the payments. 
When it's impossible because I didn't reopen the account and this company is re aging the account. I disputed with all XXXX credit bureaus. But they keep posting incorrect information, on my credit reports as stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Company : Capital One Bank ( USA ), N.A. 
Product : Credit Card Issue : Billing dispute / Unauthorized or unexplained charges What happened : I am reporting ongoing Interest Charge : Cash Advance and Interest Charge : Purchase fees that have been repeatedly billed to my Capital One Platinum credit card account ending in XXXX. 

I have not used this card in over a year, and it has remained locked and restricted during that time. Despite this, Capital One has applied multiple interest and cash advance charges from XX/XX/XXXX through XX/XX/XXXX. 

I attempted to file a dispute through Capital Ones online portal, but the website does not allow disputes on interest or internal charges, and no dispute button appears when clicking the transactions. 

These charges appear to be system-generated errors, since no activity or authorization occurred while the card was locked.

Company response to consumer: Closed with explanation