vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

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 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
1 am filing a complaint because Acima Leasing continued to withdraw money from my bank account after I revoked ACH authorization, which is a violation of Regulation E ( 12 CFR 1005 ). 

On XXXX XX/XX/year>, I notified Acima that I was revoking authorization for any future ACH debits from my checking account. Under Regulation E 1005.10 ( c ), a consumer may revoke authorization at any time, and any subsequent withdrawal becomes an unauthorized electronic fund transfer under 1005.2 ( m ). 

Despite revoking authorization, Acima attempted/processed additional withdrawals on XXXX XXXX XX/XX/year>. These debits were made without my permission, and therefore qualify as unauthorized transactions. 

I also informed my bank of the revocation, and Acima continued attempting to pull funds anyway. I am requesting that the CFPB : 1. Require Acima Leasing to stop all future ACH debit attempts 2. Require Acima to refund all unauthorized withdrawals made after revocation 3. Review Acimas practices for compliance with Regulation E and consumer protection laws I am attaching screenshots/documents that show my revocation request and the debits that occurred afterward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Control, LLC
State: NJ

Complaint narrative:
I have a creditor calling my home number which I don't use The creditor is Credit Control LLc trying to collect a debt from XXXX XXXX which I never had this service at all. The only reason I found this out cause I checked my credit report and I seen all this weird activity on it Once I saw that Credit Control I answered and told them that wasn't me and I asked them to send me proof that I opened the account. They stated that I would have to call XXXX XXXX which I said y'all are the ones trying to collect a debt so I should be able to obtain all the information you have I called XXXX XXXX and they told me that it's no longer there problem and I need to call the creditor which Credit Control I did and they still trying to tell me I am liable so I called XX/XX/XXXX and explained the situation after I tried to dispute it and kept coming back as mine cause on my report it has I live on the XXXX and I don't and but using my house number as the main number which is odd Explained that to XX/XX/XXXX and they told me to send documents showing who am and that it will take 30 days but in the meantime I should either file a police report or an Ftc so that is why I am here

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 2025-11-25 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: TN

Complaint narrative:
I contacted the collection agencies directly by certified mail and they did not respond or provide any validation. Because the collectors failed to validate, you are not allowed to continue reporting these accounts. 

The following accounts are inaccurate, unverified, and must be deleted : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ( two accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The collectors did not send proof, did not validate the debt, and did not respond to my letters. Because of that, these accounts can not be verified by you either. 

I am asking : Delete all accounts the collectors failed to validate Provide full file disclosure Provide the Method of Verification Correct all inaccurate information These errors are hurting my credit and need to be removed.

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 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
JEFFERSON is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MS

Complaint narrative:
There is a merchant, XXXX, that has charged my account for the same exact amount, {$32.00}, at least XXXX times over the span of 3 days. I have advised Chime that this is not a real charge and I have disputed all charges XXXX. Chime took less than XXXX hours to investigate and deny my dispute. I reopened those disputes and the very next day, XX/XX/year>, although the card has since been closed, Chime is still allowing them to overdraft my account for the same merchant and the same amount. After I opened the latest dispute on XX/XX/year>, Chime sent me an email saying they are closing my account without even resolving the disputes first. They also took my entire paycheck to cover the charges and refuse to issue a credit, but continue to allow the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NY

Complaint narrative:
I am writing to dispute certain items in my credit report. Upon reviewing my credit report, I identified multiple issues that I believe are inaccurate. Below are the details of the items I am disputing : Account : XXXXXXXX XXXX ( Account Number : XXXX * * ) * * Issue : The payment status for this account is reported as Late 60 Days. However, the account was closed by consumer and should reflect as paid in full or closed without any late payment. I request a review and correction of this entry.

FCRA Violations : FCRA Section 607 ( b ) : Maximum Accuracy The payment history for this account is inaccurate and not in compliance with FCRA.

FCRA Section 611 ( a ) ( 1 ) The investigation into this account does not seem thorough, and I request that the status be corrected. 
Account : XXXX XXXX ( Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Issue : There are discrepancies between the high credit, credit limit, and payment status. The credit limit and high credit do not align with the correct amounts. Please verify and correct this information. 
FCRA Violations : FCRA Section 607 ( b ) : Maximum Accuracy The reported credit limits and high credit amounts appear to be inaccurate.

FCRA Section 611 ( a ) ( 5 ) ( A ) If this information is unverifiable, I request its deletion from my report. 
Account : XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Issue : This account is marked as Open, but the payment status and balance details are inconsistent.

Please review and verify the accuracy of the account details.

FCRA Violations : FCRA Section 607 ( b ) : Accuracy The balance and payment status do not match the details provided by the creditor.

FCRA Section 611 ( a ) ( 5 ) ( A ) If this information can not be verified, it must be removed from my report. 
Account : XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Issue : The reported balance of {$25000.00} is inaccurate. This account shows payment deferred, but does not reflect the accurate status of the account. Please verify and correct the entry. 
FCRA Violations : FCRA Section 607 ( b ) : Accuracy The payment status of payment deferred does not match the records, and this balance seems overstated.

FCRA Section 605 ( a ) Information that is outdated or unverifiable must be deleted from my 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 2025-11-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
XXXX the investing company which is a public company that Im sure you guys know about closed my account with XXXX in it. They said money would be returned within business days then said XXXX days. We are past that threshold and i need this money returned now. They respond with prompted responses and duck my calls. They only let you request help in app and since they closed my account XXXX cant request help its a crazy loophole to steal money but anyways I need it back hopefully you guys can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have encountered difficulties accessing my Experian account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: KY

Complaint narrative:
I XXXX XXXX sent money to my sister in-law to XXXX by MoneyGram on XX/XX/year> but moneygram returned the money back to me in XXXX, KY, XXXX on XX/XX/year> But I can't pickup my own money it says received in the system, when I asked who, when, and where received the money, they didn't give any information, moneygram says it will take 21 days to investigate, and I should call them every day to get information about my funds {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: HOME FINANCING CENTER
State: FL

Complaint narrative:
In XX/XX/XXXX my condo was involved in a total loss due to a fire to the building. It is in the process in the courts with attorneys representing the association. Since the fire I have continued to pay my monthly mortgage payments. In XXXX my mortgage company ( Home Financing Center ) send me a letter advising it was a real estate tax bill and stated my escrow was short. Total due was {$1700.00}, my property taxes are only {$1200.00}. I made full payment to avoid my mortgage payments from rising. This year I receive another letter advising the same ( for real estate tax bill ) for # {$3700.00}. my taxes are still the same amount of {$1200.00}. Upon inquiring the raise in my escrow I discovered they have been charging me attorney fees to my escrow. I do not have a private attorney and am part of a class action case with association not individually. I have continued making my monthly payments. I was advised escrow account is for taxes and insurance of the property not for attorney or other fees. I can not continue to pay these high escrow amounts with the fear of my monthly payments going up. I am elderly with health issues and retired on a fixed budget. I do not have the money to pay a private attorney to handle this with Hone FInancing Center and they will not work with me. After speaking with several other home owners in the condos I have not heard of anybody else experiencing these issues with their mortgage company or forcing to pay attorney fees and much less having them added to their escrow account. I have contacted the company and am getting no where I am looking for some assistance and /or guidance, if this is even legal what they are doing. and. what my rights are.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: OK

Complaint narrative:
I am submitting this complaint regarding a collection account that is being reported by TransUnion, Experian, and Equifax. I have disputed this account multiple times with each credit bureau, and they have failed to properly investigate my dispute as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

I requested that each credit bureau provide : The Method of Verification used to verify this account, and a copy of a valid consumer contract bearing my signature or any document that clearly establishes that I agreed to and am legally obligated on this debt. 
Instead of providing a signed contract or proof of a consumer agreement, the credit bureaus and/or furnisher responded with generic account statements and balance histories only. These documents do not prove that I entered into a binding agreement for this debt, nor do they show that I am legally liable for it. 
Despite this, each bureau continues to report the collection account as verified, which I believe constitutes : A failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i, and The continued reporting of unverified and potentially inaccurate information on my credit reports. 
I believe the credit bureaus have not complied with their obligations under the FCRA. I have : Disputed the account multiple times in writing. 
Specifically requested the Method of Verification and a copy of any signed contract. 
Received only statements and balances, which are insufficient to prove liability. 
Observed that the account is still marked as verified and continues to appear on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: OK

Complaint narrative:
I am submitting this complaint regarding a collection account that is being reported by TransUnion, Experian, and Equifax. I have disputed this account multiple times with each credit bureau, and they have failed to properly investigate my dispute as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

I requested that each credit bureau provide : The Method of Verification used to verify this account, and a copy of a valid consumer contract bearing my signature or any document that clearly establishes that I agreed to and am legally obligated on this debt. 
Instead of providing a signed contract or proof of a consumer agreement, the credit bureaus and/or furnisher responded with generic account statements and balance histories only. These documents do not prove that I entered into a binding agreement for this debt, nor do they show that I am legally liable for it. 
Despite this, each bureau continues to report the collection account as verified, which I believe constitutes : A failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i, and The continued reporting of unverified and potentially inaccurate information on my credit reports. 
I believe the credit bureaus have not complied with their obligations under the FCRA. I have : Disputed the account multiple times in writing. 
Specifically requested the Method of Verification and a copy of any signed contract. 
Received only statements and balances, which are insufficient to prove liability. 
Observed that the account is still marked as verified and continues to appear on my credit reports.

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 2025-11-25 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: OK

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2025-11-25 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: GA

Complaint narrative:
I am writing to formally dispute certain information on my credit report. The following accounts contain inaccuracies that I request be investigated and corrected : Charged-Off Accounts ACCOUNT NAME, ACCOUNT NUMBER, DATE OPEN, BALANCE Inquiries XXXX XXXX XXXX XX/XX/year> Late Payments XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX I request that these accounts be reviewed and corrected or removed if found to be inaccurate or unverifiable.

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 2025-11-25 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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