vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Company Name ( Creditor ) : AMEX Account Number : XXXX Dispute Summary : I am disputing the following business account reported by AMEX on my personal credit report. This account is unverified, unverifiable, and illegally reported. 
I have never received any statements, notices, or Form 1099-C from AMEX. Additionally, AMEX wrote off this account as a profit and loss and likely claimed a tax deduction. Reporting a balance from a business account that has been written off is fraudulent and unlawful, particularly when my personal credit is impacted without proper validation.

Legal Violations : 1. FCRA 607 ( b ), 611 ( a ), 623 ( a ) ( 8 ) 2. FDCPA 809 Demand for debt validation 3. Unauthorized Reporting & Identity Misuse Supporting Documents Attached : Credit report screenshots Previous dispute letters Consumer Statement : " This business account reported by AMEX is fraudulently reported on my personal credit file. The company wrote off the account as a profit and loss for tax purposes. I have never received a 1099-C or any documentation validating this debt. I demand its immediate deletion from my personal credit report. '' AMERICAN EXPRESS 20potentially negative months {$6100.00} Closed Account info Account name AMERICAN EXPRESS Account number XXXX Original creditor - Company sold - Account type Revolving Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Status updated XX/XX/XXXX Balance {$6100.00} Balance updated XX/XX/XXXX Credit limit - Monthly payment - Past due amount {$3600.00} Highest balance {$6000.00} Terms - Responsibility Individual Account Your statement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I woke up the morning of XX/XX/XXXX, too some concerning emails saying : " * * New login detected 'XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Success! Your email has been updated. '' Both of these emails occurred in the early hours of the morning. ( XXXX XXXX XXXX ) Naturally when I see this I began to panic! I attempted to login to my account via the App ( Chime ), but I was completely locked out. I then called the Chime support number to help me with this matter, after about a XXXX process of verifying who I was and sending valid ID along with a selfie I was granted access back to my account. However, once I finally login I quickly realize that ALL of my money had been stolen from me! ( {$930.00} ) I immediately filed a dispute for the fraudulent charges/transactions on my account. In a little over XXXX hours later ( XX/XX/XXXX ) Chime shockingly denied my dispute even though it's clear as day a " New Device '' that my account has NEVER been logged in with before illegally accessed my account ( XXXXXXXX XXXX XXXX ), then changed the login information of my account ( XXXX XXXX XXXX ), and then extracted ALL of the money from the account ( XXXX XXXX XXXX  ) and sent it to a person I have NEVER sent money to before! I'm honestly in a complete lost for words, and I don't know what to do. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: V and H Portfolio
State: TX

Complaint narrative:
I am filing this complaint regarding the account reported by XXXX XXXX ( Account # XXXXXXXX XXXX XXXX  ), opened on XX/XX/year> with a balance of {$790.00}, which is being reported as a collection account. I have no knowledge or association with this account and have never authorized, opened, or agreed to any debt with this company. The reporting of this account is false, unverified, and constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) for failing to ensure the accuracy and legitimacy of the information furnished. 

This inaccurate collection has caused unjust harm to my credit profile and financial reputation. XXXX XXXX has not provided any verifiable documentation or signed agreement proving that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: LEXISNEXIS
State: NV

Complaint narrative:
I am filing a complaint against LexisNexis, XXXX, and XXXX XXXX  for ( XXXX ) reporting inaccurate/incomplete information, ( XXXX ) failing to conduct a proper reinvestigation, and ( XXXX ) maintaining incorrect personal identifiers, in violation of the Fair Credit Reporting Act ( FCRA ) and industry Metro 2 standards. 

My LexisNexis file includes collections/charge-offs and hard inquiries with missing or miscoded fields, inconsistent dates and balances, and identifiers that do not match my verified information. Examples ( partially masked ) : Collections/Charge-offs/Tradelines 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 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 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 LexisNexis is also keeping incorrect PII ( name variants and addresses ) such XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and outdated/conflicting addresses. This violates the FCRAs maximum possible accuracy requirement and has resulted in adverse credit decisions and higher pricing. 

I previously sent LexisNexis a written dispute demanding : ( a ) deletion/correction of all unverifiable or inaccurate items ; ( b ) disclosure of the method of verification ; ( c ) proper dispute notation while reinvestigating ; and ( d ) correction of my PII. The response was inadequateLexisNexis did not provide a meaningful method of verification, left key Metro 2 fields missing/inconsistent, failed to remove unauthorized inquiries, and did not correct PII. 

I request CFPB intervention to ensure LexisNexis complies with : FCRA 611 ( a ) ( reinvestigation ), 607 ( b ) /1681e ( b ) ( maximum possible accuracy ), XXXX ( full file disclosure ), 611 ( a ) ( 6 ) ( B ) ( iii ) ( method of verification ), and XXXX ( permissible purpose for inquiries ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: NV

Complaint narrative:
I am filing a complaint against XXXX, XXXX, and XXXX XXXX  for ( XXXX ) reporting inaccurate/incomplete information, ( XXXX ) failing to conduct a proper reinvestigation, and ( XXXX ) maintaining incorrect personal identifiers, in violation of the Fair Credit Reporting Act ( FCRA ) and industry Metro XXXX XXXX. 

My XXXX file includes collections/charge-offs and hard inquiries with missing or miscoded fields, inconsistent dates and balances, and identifiers that do not match my verified information. Examples ( partially masked ) : Collections/Charge-offs/Tradelines : 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 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 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 is also keeping incorrect PII ( name variants and addresses ) such as XXXX XXXX, XXXX XXXX XXXX XXXX, and outdated/conflicting addresses. This violates the FCRAs maximum possible accuracy requirement and has resulted in adverse credit decisions and higher pricing. 

I previously sent XXXX a written dispute demanding : ( a ) deletion/correction of all unverifiable or inaccurate items ; ( b ) disclosure of the method of verification ; ( c ) proper dispute notation while reinvestigating ; and ( d ) correction of my PII. The response was inadequateXXXX  did not provide a meaningful method of verification, left key XXXX XXXX fields missing/inconsistent, failed to remove unauthorized inquiries, and did not correct PII. 

I request CFPB intervention to ensure XXXX complies with : FCRA 611 ( a ) ( reinvestigation ), 607 ( b ) /1681e ( b ) ( maximum possible accuracy ), XXXX ( full file disclosure ), 611 ( a ) ( 6 ) ( B ) ( iii ) ( method of verification ), and XXXX ( permissible purpose for inquiries ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Automated Collection Services, Inc.
State: NY

Complaint narrative:
Automatic Collection Services Inc. goes by ( ACSI ) shows address XXXX XXXX XXXX XXXX TN XXXX has been on this matter for XXXX XXXX as a collection agency. A letter was sent from XXXX XXXX also known as XXXX XXXX XXXX XXXX ( XXXX ) with information to contact ( ACSI ) with matters of a loan, The XXXX ( XXXX ) loans that has been already paid and holds no further matter with the XXXX Department of Education been resolved for XXXX have called ( ACSI ) several plus years and a representive at ( XXXX XXXX claimed she was unable to access the database for her collection information. The collector said password was changed. The bill collector was reviewing the database from XXXX Department Of Education which is a database used by Students, XXXX & Government it is used to track any federal funding including Federal Loans, XXXX XXXX XXXX XXXX XXXX XXXX. I told collector it must be because I changed the password. She than admitted that is the website and she could not get back into it. 
It is not to be used by a collection agency claiming now on paper that this is a " Defaulted student loan ''. There is no outstanding defaulted student loan. I only hear about this matter every year letters are sent usually around fall time. I have even spoke to a representative at XXXX Department Of Education in concerns to any outstanding balance and the representative would not give a balance. The letter states ways they can assist at this matter. This letter with both XXXX XXXX also goes by XXXX XXXX XXXX XXXX ( XXXX ) and Automated Collection Service ( ACSI ) stating that the loan can be consolidated. How can an already paid loan be consolidated? They offer XXXX XXXX XXXX loan forgiveness. How can they offer XXXX XXXX XXXX if the loan is paid? They offer a payoff the balance? How do they offer to pay off balance when it is already paid? They offer a fixed interest rate on " XXXX '' loan? There is no " New '' loan XXXX loan has been paid. The educational loan was from XXXX. I called the collection agency a few days ago and spoke to a rep " XXXX '' she stated that the account was in cease-and-desist status and was unable to reopen the account which I refused for them to reopen because this is XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Ive been in federal prison since XX/XX/XXXX i just got released on XX/XX/XXXX my id expired shortly after I got arrested and I just recently got a new id/driver license when I got out. Theres now way I could have opened any account or anything im just now becoming aware of all this because of me tryin to get a car and my credit is messed all up from this and few other things. I reached out to them and tried to get them to remove it and was told no and so I tried to have XXXX do it and they came back with a response of them deeming it accurate and so now Im here in hopes that you guys can remove this from my credit and the reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
The loan that I signed was for solar panels installed thru a contractor that was funded by goodleap I now have screws all through out attic were the improper attachment has caused several severe leaks into home causing additional damage. Contractor is out of bussiness for additional fraudulent activity and what I financed was not what I recieved not only is it not saving me money it has destroyed my roof and damaged interior of my home and now need to replace entire roof that was fine for years to come costing me much more than the solar is worth the company is now trying to put me into collections but I contacted them over a dozen times b4 I stopped paying. With the lack of communication and unable to recieve any service as to my loan would only prompt more a breach and no need to pay if they would resolve issue at hand so I am given what was agreed on the payments would not be a issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing this complaint because Citibank failed to properly handle a billing dispute involving a purchase and return I made overseas. 

On XX/XX/year>, I made an in-person purchase at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX using XXXX XXXX credit card ending in XXXX. I returned the merchandise in full at the same store on XX/XX/year>, in accordance with the stores policy. The merchant acknowledged the return in person but failed to issue a refund. 

I opened a billing dispute with Citi under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). Citi initially issued a conditional credit while investigating but later reversed it, stating that the services or merchandise were provided. This finding is incorrect, as the goods were returned and the merchant did not refund me. 

I called Citi on XX/XX/year> to appeal the decision. The representative informed me that the dispute would be reopened. However, despite this assurance, Citi failed to actually reopen or process the appeal, leaving the issue unresolved. 

I have since provided a signed sworn declaration from myself attesting under penalty of perjury that the return occurred exactly as described. The merchant retained the goods and the payment, and XXXX has not enforced my rights under U.S. and international consumer-protection law. 

This situation violates consumer-protection principles outlined in the Fair Credit Billing Act and under XXXX Directive XXXX on Consumer Rights, implemented in XXXX through the Consumer Protection Law XXXX ( I ) XXXX, which mandates that merchants issue refunds promptly for returned goods. 

I am requesting the CFPBs assistance in ensuring Citi properly reopens and adjudicates this dispute and issues the appropriate refund.

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 2025-11-01 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: GA

Complaint narrative:
I am submitting this dispute to the CFPB regarding several negative items on my credit report that I believe to be inaccurate or unjustly reported. 
XXXX. XXXX XXXX Address : XXXX XXXX XXXX, XXXX, DE XXXX Issue : I was enrolled in a student loan forgiveness program, and due to the COVID-19 pandemic, there were significant disruptions that I was not made aware of. This has led to negative reporting on my credit. 
XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX Phone : ( XXXX ) XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX Actions Taken : Requested XXXX  removal of a negative item ( XX/XX/2025 ) Submitted correction for a credit reporting inaccuracy ( XX/XX/2025 ) XXXX. XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX / XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Legal Reference : Under 15 U.S.C. 1681c-2, I am entitled to dispute inaccurate or outdated information on my credit report, and the credit reporting agencies are required to investigate and rectify these inaccuracies. 

Additional Points : Some of these negative items were a result of disruptions caused by the XXXX pandemic, which impacted my ability to manage my accounts as usual. 
I was unaware of some of these items on my credit report and did not receive proper notification. 

I kindly request a thorough investigation and the removal of these inaccuracies 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 2025-11-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
The account was charged off and I did not receive any 1099 form for the tax break, and then they proceeded to sell this account to a collector which no longer stands as accurate due to me not ever agreeing to any contact with this new collector therefore I want this account removed or I will be taking legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Hi, I opened the citizens checking account with an online promotion offer, where I will receive {$400.00} if I have {$500.00} direct deposit and deposit more than {$500.00} every month for XXXX months to my savings account. It's been more than half a year and I still haven't received the bonus. Tried connecting with Citizens but haven't gotten any feedback. Please help escalate this issue with the proper department in Citizens. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I signed up for XXXX XXXX Line of credit because I needed help paying for dental Expenses. At first, when I signed up for it from dental office, I was under the impression of 12 months interest Free, which later explained its deffered. I understand paying interest if I did not finish the balance, but never expected that the accummulated balance was from original balance.

I have been paying this credit car company on-time, thinking that the interest will only be applied to the remaining balance. I feel tricked and deceived for signing line of credit from this company. Today, I learned that there is so many complaints about this credit company for the same thing. I had to shuffle around some money just to pay it off so I don't have to lose anymore money from this company. I asked for liniency, but I was told that there is no way around it but to pay. 

I ended up paying $ XXXX of interest rate with, supposed to be, {$390.00} left on my Bill .

Company response to consumer: Closed with monetary relief