vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. 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 non-monetary relief
Consumer complaint received 2025-12-25 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
My name is XXXX but it's spelled XXXX XXXX. Date of birth XX/XX/year> social security number XXXX XXXX I have a JetBlue credit card Barclays I will give you the account information as soon as I'm able to log in. I don't remember the password. I wrote it down and it's not what I wrote down. I was supposed to go to XXXX XX/XX/XXXX from XXXX  XXXX stop over in Massachusetts where I live and then straight flight to XXXX somehow or another. The ticket got canceled and they took the money. They keep saying they return the money JetBlue but Barclays the money still out of the account. JetBlue gave me a receipt. It's still not good enough for Barclays and I'm getting nowhere with either of them. Jet blue is giving me the runaround they keep telling me a hundred different stories and Barclays is also giving me a hard time. I try to dispute the charges. I got them the receipt and it's still no good. They've discontinued the claim. They said I have to give them a letter and a new receipt of the dates. I can not get this receipt for the love of XXXX. For some odd reason I'm getting nowhere and I've been trying for 2 months. It is {$6100.00}. 24 jet blue took I can't get nowhere. Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: TX

Complaint narrative:
This account has been wrongfully attributed to me and the reporting is inaccurate ; I request an immediate review and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: TX

Complaint narrative:
This account has been wrongfully attributed to me and the reporting is inaccurate ; I request an immediate review and correction.

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 2025-12-25 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:
This account has been wrongfully attributed to me and the reporting is inaccurate ; I request an immediate review and correction.

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 2025-12-25 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: MN

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Michel Law, LLC d/b/a Level One Law
State: PA

Complaint narrative:
Level One Law took fees up front before settling any debt. I enrolled XXXX accounts, and for 2 years of on-time payments, only settled XXXX account - the lowest amount for all the accounts. 

I enrolled in their program in XXXXXXXX XXXX XXXX, and now have to handle these on my own. I also frequently received calls saying they were not responsive to inquiries or active settlement arrangements. Fees taken, shown below could have been used to settle XXXX more accounts, but now XXXX out this money, and worse off then when I enrolled with them. 

In total, Level One Law took : XXXX documented service fees at {$1200.00} each = {$14000.00} XXXX @ {$150.00} each retainer fee = {$300.00} XXXX @ {$99.00} each admin fee = {$1000.00} XXXX @ {$100.00} each retainer fee = {$400.00} Total fees = {$16000.00} I enrolled to settle the debt, not create more.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MD

Complaint narrative:
I am submitting this complaint regarding the closure of my bank account by Chime/ XXXX  XXXX XXXX  on or about XX/XX/year>. My account was closed without prior notice and without a clear or specific explanation. 
I have contacted the institution to request the reason for the closure, but I have not received a meaningful or written response explaining the basis for this action. I am concerned that the account closure may have been arbitrary or improperly handled. 
I am requesting that the institution provide a written explanation for why my account was closed, including whether the decision was based on internal policy, automated review, or alleged account activity. I am also requesting confirmation that all remaining funds were returned to me, including in both the checking and savings account, its XXXX and don't have any money to provide to my family, this is not fair. 
I am asking the CFPB to assist in obtaining transparency and ensuring the institution complies with applicable consumer protection obligations. 

Thats the copy of the letter I sent to Chime XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Legal Department / Customer Relations Chime XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam, I am writing to formally request a written explanation regarding the closure of my account, numbered XXXX, which I understand was closed on or about Wednesday XXXX. XX/XX/year> To date, I have not received a clear or sufficient explanation for this action. I respectfully request that you provide the specific reason ( s ) for the account closure, including whether the decision was based on internal policy, regulatory requirements, or alleged account activity. Please also indicate whether the closure was initiated by your institution or triggered by an automated review process. 

Additionally, I request confirmation of the disposition of any remaining funds associated with the account, including the date and method by which such funds were returned or will be returned to me. 

Please consider this letter a formal request for information. I ask that you respond in writing within a reasonable time frame, no later than fourteen ( 14 ) days from receipt of this letter. This request is made without waiver of any rights or remedies available to me under applicable law. 

Thank you for your prompt attention to this matter. I look forward to your written response. 

Sincerely, XXXX XXXX XXXX, XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: FL

Complaint narrative:
I made a report that they were still reporting my Chime Credit Builder account balance as over {$1000.00} and they removed it last week and then resubmitted a new balance this week of over {$1000.00} dollars and there should only be {$1.00} on the card. I intentionally left the balance low to avoid excessive usage. My credit report shows my Chime Credit Builder credit usage as being 100 %. My XXXX  score is down XXXX points and XXXXXXXX XXXX XXXX. I am trying very hard to build my credit and was very close at reaching my goal for XXXX. Getting this update after thinking I had resolved as issue Ive been having for 2 months is frustrating. My Chime Credit Builder balance should {$1.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: PA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-25 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: PA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Newport Intermediate Inc.

Complaint narrative:
I closed my Spectrum account and returned the equipment on XX/XX/year> where I was fully charged for the bill as it was due. On that date, I was supposed to pay {$83.00} less than my monthly amount of {$220.00} because this should have been a prorated payment as I have not used the services covering up the full period. I ended the service early because I was relocating to overseas. The rep told me that they would refund either in the form of a gift card or as an electronic transfer and asked me to call the Billing number XXXX to follow up. This number was XXXX XXXX XXXX open as she said and she assured me that I should have received my refund within 24-48 hours as well as the rep on the phone at this number. However, I did not see any payment issued and no updates until I finally received an email from " XXXX '' on XXXX XXXX with the Subject : XXXX XXXX ID : XXXX ( ID : XXXX ) from a rep named XXXX regarding this refund. The full email chain of communication is attached along with my bill showing all the charge details within my XXXX  plan. The conversation started with electronic payment, then moved to prepaid card and then now it is in the hands of XXXX. The last time I spoke with a rep confirmed a check ( check # XXXX ) was issued on XX/XX/year> in the amount of {$83.00} but they did not tell me when it would be sent. They confirmed my overseas address with no known date to mail this check and no tracking number will be available. This makes it very convenient for XXXX to avoid this payment I must receive as a long time customer. I already made 5-6 overseas phone calls that probably cost me as much as the refund I was supposed to be paid by now. There is no reason why XXXX  should not issue an electronic refund back to my account which is active and I am a U.S. citizen who has been a long time customer of XXXX and XXXX ( XXXX XXXX XXXX... etc ) over the years. This is ridiculous. {$83.00} is a lot of money I can use for other things instead of making already filthy rich XXXX  richer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: CA

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal 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 2025-12-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX filed for bankruptcy shortly after I began my treatment. My treatment was never completed and they failed to provide the necessary adjustments to fulfill their XXXX XXXX. Furthermore the bankruptcy of their company left me with out proper fitting aligners and caused all of the treatment to reverse. 
They then sold the debt to tekcollect and have left me unable to refinance similar treatment options to fix the problem the created.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: CA

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: Experian Information Solutions Inc.
State: FL

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 2025-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I purchased a vehicle on XX/XX/XXXX. Over the next several years, Westlake Financial Services continued charging interest, fees, and penalties on this account, even though the underlying issues were caused by dealership actions and administrative errors outside my control. 

On XX/XX/XXXX, the vehicle was impounded/towed while Westlake still treated the account as active. I was required to pay approximately {$5000.00} to recover the vehicle, and I have receipts documenting this expense. 

During this time, Westlakes reporting caused significant credit damage. My credit score dropped, and I was denied credit and other financial opportunities as a result. 

Westlake eventually rescinded the contract and refunded all payments on XX/XX/XXXX. However, this resolution occurred only after years of delay and did not address the consequential damages I suffered, including loss of transportation, towing costs, fees, penalties, and credit harm. 

I have documentation of the fees, towing costs, and credit impact, and I am requesting that Westlake provide compensation for these documented losses and remediate all credit reporting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
TD Bank unfairly processed a check it received for payment from our account before crediting the account with a cash-equivalent deposit made the same day resulting in our account becoming overdrawn and the check return for what it deemed to be insufficient funds in the account. Both the check which caused the overdraft and the deposit that more than sufficiently covered the amount of the check posted to our account the same day. In essence, TD Bank processed the check before crediting the account with the deposit that covered the amount of the check. 
Further Details Explained : We gave our contractor a TD Bank check in the amount of {$14000.00} in the afternoon on XX/XX/year>. The contractor deposited the check into his account that same afternoon. We made a {$20000.00} deposit to our TD Bank account to in the morning that same day to more than cover the amount of the check bringing the account balance to over {$28000.00}. The deposit was a cashiers check for which the funds were drawn from our account at another bank ( we dont have checks to this account ). The funds from the cashiers check should be given the same availability as cash in accordance with applicable Federal regulations. We made every effort to be sure there would be sufficient available funds in the TD Bank account before we gave the contractor a check. In these circumstances, it is reasonable to believe TD Bank would credit our account with the funds from the cashiers check before processing any checks. Indeed, the online account transaction activity showed both the deposit and check posted to the account the same day. To process the deposit and checks in any other order could result in multiple items if presented that day to be returned for insufficient funds and overdraft charges assessed for each item presented for payment. Clearly, such a practice would be not be treating the customer fairly and cause substantial harm. None of the actions taken by TD Bank could be sufficiently explained by a TD Bank customer representative and subsequently a blind transfer to a manager after spending over an hour on the telephone. Neither the customer representative nor the manager could refer me to the appropriate sections of Federal regulations or in the TD Banks Personal Deposit Account Agreement where such a deceptive and abusive practice is permitted.

We have been a customer of TD Bank for well over 20 years and have never overdrawn our account and had checks return for insufficient funds. Clearly, TD Banks practices harmed us and similarly could harm its customers, particularly the elderly and those most vulnerable. We can do something about this unfair practice. We took the time to file this complaint and are closing our accounts at TD Bank.

Evidence of the transaction and are included in the documentation section of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL

Complaint narrative:
Hello I have a question regarding my XXXX that I closed my account a month ago but still, Im getting email statements from Walmart MasterCard. I destroyed my card after confirming twice with them that my account is closed and I do not remember the card number to give them a call because obviously I need a card number for that. And they do not have any email to approach too. Can you please let me know why am I still receiving Walmart MasterCard email statements after closing my account? And the balance was fully paid to there was no balance left on my card also. My legal name in their records is XXXX XXXX  Thank you

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