vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Dear CFPB, I am writing to formally dispute inaccurate and fraudulent information on my credit report under the Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft, and the following accounts/inquiries are not authorized by me and must be removed from my credit file immediately. 

XXXX LATE PAYMENTS/ACCOUNT CLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: MOHELA
State: IN

Complaint narrative:
Please remove all inquiries and any accounts opened fraudulently due to the date breach transunion experienced in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: VT

Complaint narrative:
PayPal credit has been charging me minimum payments, late fees, and interest after my account has been closed for months even years. This can't be legal if I wasn't aware of these happenings after an account is closed it should be reported to collection agency for payment not a never ending debt balance increase over time .. when will it end and at what price will this debt grow to illegally. Paypal credit is doing people dirty.

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 2025-10-05 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: MI

Complaint narrative:
I XXXX XXXX am A victim of Identity theft request the deletion and removal of the following fraudulent accounts : XXXXXXXX XXXX  opened XX/XX/XXXX, XXXX XXXX opened XX/XX/XXXX, XXXX XXXX opened XX/XX/XXXX, XXXX. XXXX XXXX opened XX/XX/XXXX, XXXX. XXXX XXXX opened XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2025-10-05 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: TN

Complaint narrative:
I am filing this complaint because the credit reporting agencies and furnishers are willfully reporting and sharing my private consumer information without my consent or permissible purpose. Multiple accounts and inquiries have appeared on my credit report that I never authorized or signed for. I have repeatedly provided my correct identifying information, yet unauthorized data, false addresses, and inaccurate account details continue to appear. 
This behavior violates several federal laws, including : 15 U.S.C. 1681b Requiring permissible purpose before furnishing a consumer report.

15 U.S.C. 1681s-2 Prohibiting the furnishing of inaccurate or unverifiable information. 15 U.S.C. 1681i Requiring reasonable reinvestigation of disputed information.

15 U.S.C. 6802 ( GLBA ) Prohibiting unauthorized sharing of nonpublic personal information. 
These agencies have continued to publish and distribute my information without proof of a signed contract, written consent, or legal authority. This has caused harm to my privacy, reputation, and financial standing. Any address not belonging to me and any account or inquiry without my authorization must be immediately deleted from my consumer file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
Im writing to formally express my concerns regarding Chime handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with platform. Despite using Chime numerous times and reporting discrepancies my financial Institute in chime Field to investigate my claims adequately, they informed me that recovering loss funds was impossible in that tracking these transaction was unfeasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year>, I purchased a dress online from merchant XXXX XXXX for {$420.00} in size XXXX. When I received the item, it was not the correct size. The dress was actually a XXXX, but the merchant had stitched a XXXX XXXX  over the original XXXX XXXX. I took measurements and photos clearly showing this misrepresentation. 

I immediately contacted the merchant, explained the issue, and requested either an exchange for the correct size or a refund. The merchant refused to accept responsibility, refused to exchange the dress, and would not issue a refund. 

Because the product was not as described and could not be worn, I disputed the {$420.00} charge with my credit card company ( Capital One ). I provided the photos and explanation showing the altered tag and incorrect sizing. Despite this clear evidence, Capital One denied my dispute, I provided information that was asked and capital one claims they can not validate it and closed my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
To Whom It May Concern, This letter is being sent in response to a collection notice I received from your office regarding an alleged debt. I do not recognize this debt and hereby demand full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692e.

Let me be clear : I am not requesting verification or a vague account summary. I am demanding full and complete validation, which includes but is not limited to the following : The name and address of the original creditor and a copy of the original signed contract or agreement bearing my signature.

A complete account history starting from a {$0.00} balance, including all charges, interest, payments, and fees.

A detailed explanation of how the amount you claim is owed was calculated.

Proof that you have the legal right to collect on this debt, including a copy of the assignment or purchase agreement and any contracts showing the chain of ownership.

Your license information, including state license numbers and registered agent details in my state, showing you are legally authorized to collect debts here.

Until you provide ALL of the above, you are to cease all collection activities including phone calls, letters, reporting to credit bureaus, and any legal action.

Be advised : Any attempt to collect on a debt without full validation is a violation of federal law. If you fail to comply, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and pursue legal remedies, including actual and statutory damages for violating my rights under the FDCPA.

You have 30 days from the receipt of this letter to provide full validation. Failure to do so will be considered a clear admission that you can not validate the debt, and any further action on your part will be considered harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint against TransUnion for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX XXXX XXXX XXXX XXXX XXXX  was fraudulent. Despite receiving this information, TransUnion has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

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 2025-10-05 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: IN

Complaint narrative:
Please remove all inquiries and any accounts opened fraudulently due to the date breach transunion experienced in XX/XX/year>.

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 2025-10-05 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: U.S. BANCORP
State: CO

Complaint narrative:
Hello, & thank you for hearing about this unlawful action by usbank. 1 month ago, I tried to use my debit card at home depot & it didn't work, only when I called did usbank rep inform me my card was compromised, & were sending out a new one. This was only done when I called. I received the card XXXX week later. Upon being told the card had been compromised, & they would not supply any information why, I started looking at every transaction & discovered a huge issue I would be sure to bring to your attention. There were multiple overdraft charges, unjustified, and several double on the same XXXX period. Also, each transaction withheld an extremely disproportionate amount of funds, even the deposits! Every. Single. XXXX. Ex- {$15.00} XXXX {$1100.00} withheld " for transaction ''. I discovered that while temporarily living in a roommate situation, he had placed many charges on my accounts. I spent a great deal of time with usbank fraud depth reporting all unauthorized transactions, as well as my cash app account. Instead of adherence to the law, & even their own advertisements, both institutions immediately closed my accounts only 3 days later. I did not receive any provisional credits, just a small check for my battered balance. I would greatly appreciate you stepping in to prevent these dishonorable practices.

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 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to formally request validation of the debt referenced above, which you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I have the right to request verification of this debt before taking any further action.

Please provide the following : 1. Proof that I owe this debt, including a copy of the original signed agreement.

2. A detailed account of the debt, including the original creditors name, account number, and a full breakdown of the balance.

3. Proof that you are legally authorized to collect this debt in my state.

4. A copy of any judgment ( if applicable ) that gives you the right to collect.

5. The date of the last payment made on this account.

Until I receive proper validation, I request that all collection activities, including reporting to credit bureaus, be halted as required by law. If you fail to provide sufficient verification, I expect this debt to be removed from my credit report.

Please respond in writing within 30 days of receiving this letter. If you are unable to verify the debt, I request that you cease all collection efforts and update any reporting to the credit bureaus accordingly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have been using the PayPal USD ( XXXX  ) token on the XXXX blockchain extensively for my everyday business and personal transactions due to its low fees and fast settlement. My XXXX  with balance XXXX XXXX  is held in the following XXXX address : XXXX ( see : XXXX XXXX XXXX ). 
Recently, I discovered that my XXXX token account was suddenly frozen. I did not receive any prior warning or explanation. The funds in my account were transferred from clients for legitimate business activities. I do not have a traditional PayPal account linked to this wallet, and I am unable to find any direct contact channel with PayPal nor with the issuing entity XXXX to resolve this issue. The freeze has completely locked me out of my funds and disrupted my ability to do business and cover personal expenses. 
I am filing this complaint because I urgently need help to understand why my account was frozen and what steps I can take to restore access to my legitimate funds. The lack of support and communication from PayPal regarding blockchain XXXX accounts has caused severe hardship and financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: NJ

Complaint narrative:
I am trying to upload supporting documentation for my dispute with XXXX XXXX they are currently reporting two accounts with XXXX XXXX XXXX XXXX that was already transferred and closed with the original creditor however the information is being reported however XXXX XXXX XXXX XXXX XXXX Trans Union to blocked these accounts I have uploaded supporting documents.

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 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Recovery Solutions, LLC
State: LA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AAA Collections
State: SD

Complaint narrative:
I received a lawsuit from XXXX XXXX XXXX regarding an alleged medical debt of {$1000.00} owed to XXXX XXXX. I dispute this balance. The only medical equipment I received was a XXXX XXXX that was supposed to be fully covered by insurance. It was ill-fitting, and I would not have accepted it had I known it would not be covered. 

I was never notified of this balance before the lawsuit. XXXX XXXX sent bills to an old address where I no longer lived as of XX/XX/XXXX, so I did not receive any statements or notices. I only learned of this debt when I was served with the lawsuit.

At one time, I had entered into a payment arrangement and was making payments in good faith. However, after receiving the lawsuit in XX/XX/XXXX, I was told that once charges have been on four billing statements without being paid in full, or placed onto a formal qualifying payment plan, they will automatically be transferred to collections, even if payments are being made. This appears to mean my payment plans were voided and the account was sent to collections even though I was trying to pay.

I am currently unemployed after a mass layoff on XX/XX/XXXX, following 10 years of employment. I am XXXX XXXX XXXX, facing medical and financial hardship, and undergoing monitoring for several medical issues to include XXXX. I have documentation to support these facts. 

I am asking for a review of the validity of this debt, an explanation of why it was sent to collections despite payments, and relief from legal and collection actions that were based on billing or notice errors.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mercury Financial Intermediate LLC
State: AL

Complaint narrative:
Im receiving calls that has become harassment with threats of what they are going to do. To the extent of refusing to let me speak with a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: IL

Complaint narrative:
After reviewing my reports, I found material inconsistencies that prove this account is being reported inaccurately and unlawfully maintained, including : XXXX. Reporting Dates Conflict XXXX reports Date Reported : XXXX 
XXXX  also says XX/XX/XXXX. 
Equifax reports Date Reported : XX/XX/XXXX. This is a future date impossible and inaccurate. 
This alone is a major factual error. An account can not be reported in the future. That violates accuracy standards. 
XXXX. Date of Last Activity Conflicts XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX Equifax : XX/XX/XXXX All three show completely different last activity dates which affects how long the account stays on your report ( the XXXX rule is based on this date ). Thats a material inaccuracy. 
XXXX. Creditor Remarks Conflict XXXX  : Charged off as bad debt. Purchased by another lender. 
XXXX  : Purchased by another lender. Unpaid balance reported as a loss by credit grantor. 
Equifax : Charged off account. Account transferred or sold. 
These remarks mean three different things legally they cant all be true at once. Either the account was sold, charged off, or transferred XXXX. Payment Status/Closed Dates Conflict XXXX  : Closed on XX/XX/XXXX XXXX  : No closed date Equifax : XXXX XX/XX/XXXX, reported XX/XX/XXXX ( future ). 
That inconsistency makes the account unverifiable. 
XXXX. Balance & High Balance XXXX  : {$0.00} balance, {$540.00} high balance XXXX  : {$0.00} high balance and {$0.00} owed contradiction. 
Equifax : {$0.00} balance, {$540.00} high balance. 
Inconsistent high-balance data also violates FCRA 1681e ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: FL

Complaint narrative:
I got a report from XXXX saying an account was opened under my name and social at Chime Bank. I called Chime Bank and they told me that they can not disclose any information to me after I verified my identity with them. They expect me to make a report through the FTC while there is a government shutdown. Employee who answered hung up on me as I was wanting to escalate to his manager.

Company response to consumer: Closed with explanation