vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MS

Complaint narrative:
Chime XXXX  Were updating how we handle XXXX repayments if a payment doesnt go through. 
Whats changing Starting XX/XX/year>, if you have an outstanding XXXX  balance after your expected pay date, Chime will use any incoming deposit into your Chime Checking Account to make a payment. For more information, see XXXX Agreement. 
We previously implemented this change on XX/XX/year>, but you may not have received advance notice. 
How were making it right To make it right, {$45.00} will be refunded to your Chime Checking Account by XX/XX/year>. The refunded amount will also be added back to your outstanding XXXX balance and may affect your XXXX  Available Now amount. To avoid this, you can settle your full balance by making a payment in the app. 
We wont attempt to use the refunded amount for XXXX  repayment, but it may go toward any negative balance in your Checking Account. 
Youll also receive a courtesy credit. Its based on the amount we refund to your checking account, the number of days that passed after the impacted repayments were collected, and an annual interest rate of 22 %. 
What this means for XXXX If youre still using XXXX : Your next qualifying direct deposit will automatically go toward paying the updated total balance. 
After XX/XX/year> if you still have an outstanding balance, Chime can use any incoming deposit towards repayment. 
If you have any questions, you can contact Chime Member Services anytime at ( XXXX ) XXXX or visit the Help Center to chat with us in the Chime app. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information hasbeen used to apply for a card. It was really stressful and hurtful to nd out that someone took advantage of my good relationships with banks and applied for cards. I found fraudulent accounts and inquiries on my credit report. Please dispute and remove listed fraudulent credit inquiries from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
They have been everyday from XXXX XXXX XXXX asking me to pay this bill. Ever time they call I have asked them to tell me what this debt is for and they can't tell me unless i verify personal information and I told XXXX I will not do that. I also asked them to send me paperwork and they didn't do that either. The first paperwork I have received was XXXX of 2025 asking them to send me information about this debt with the paperwork that they sent me. On XX/XX/2025 I got account summary report telling me about the debt. Since I asked for this they have not been calling me or my family members to try to collect this debt. I did ask them to stop calling me and they didn't stop they called at let XXXX to 4 times a day,.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
All three credit bureaus continue to report a bankruptcy that does not exist. I obtained my full XXXX XXXX XXXX Report dated XX/XX/year>, which confirms there is no bankruptcy or public record information under my name. The Table of Contents shows no bankruptcy section at all. XXXX is the public record vendor Equifax, XXXX XXXX XXXX  use to verify bankruptcies, which proves the bureaus can not verify this record. Despite multiple disputes, the bureaus failed to provide any documentation or source of verification and continue reporting this false information. This has caused me credit denials for transportation, housing, and essential financing. I am requesting full deletion of all bankruptcy data and related adverse entries from each bureau immediately for FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This account was paid in full, yet it continues to reflect late payment marks.

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 2025-10-16 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: CA

Complaint narrative:
I am Victim of XXXX XXXX  Please Dispute this fraudulent inquiries

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 2025-10-16 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 Victim of XXXX XXXX  Please Dispute this fraudulent inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resurgent Capital Services L.P . 
Attn : XXXX Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX RE : Rebuttal to Insufficient Validation / Account No. [ XXXX ] CFPB XXXX XXXX. [ XXXX ] To Whom It May Concern : This letter serves as a formal rebuttal to your response dated XX/XX/XXXX regarding the above-referenced account. Your submission does * * not * * constitute proper validation under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act. 

The materials you provided an account summary and generic XXXX XXXX agreement fail to include : The original signed agreement establishing the alleged debt. 
A full chain of title and assignment from the original creditor to LVNV Funding LLC. 
A complete itemized ledger showing how the current balance was calculated. 
Proof that you are licensed and authorized to collect debts in my state. 

Until this documentation is provided, you are in violation of : - FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) continuing collection without proper validation.

- FDCPA 807 ( 8 ) ( 15 U.S.C. 1692e ( 8 ) ) reporting disputed information without the required disputed notation.

- FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ) furnishing unverifiable or inaccurate data to consumer reporting agencies. 

Because you have not produced sufficient evidence, you must immediately : XXXX. Cease all collection activity regarding this alleged account. 
XXXX. Delete any reporting of this account from all consumer reporting agencies. 
XXXX. Confirm in writing that the account has been permanently removed from any and all credit reporting systems. 

Please note that a Cease & Desist demand has already been issued. Any further contact outside of confirming deletion will be considered a willful violation of 15 U.S.C. 1692c ( c ). 

A copy of this rebuttal will be uploaded to my active CFPB case file and provided to the credit bureaus as additional evidence of non-compliance. 

Sincerely, XXXX XXXX XXXX : copy of your XX/XX/XXXX response ; proof of prior Cease & Desist

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
A total of {$800.00} was taken out of my escrow account by Shellpoint. This is my homeowner 's insurance premium. I reached out to Traveler 's Insurance, my insurance provider, and they told me they never received a payment from Shellpoint. My mortgage has since been sold to XXXX XXXX. XXXX XXXX took it out of my escrow account as well, but they made the payment. There is a duplicate transaction in my escrow account. When my property taxes are due in XXXX, I'm going to end up with an escrow shortage.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
So early this year, I discovered a collections account from the U.S. Department of Education on my credit report. I had never received any proper prior notificationvia phone, email, or mailbefore the debt was reported to the credit bureaus. 

After requesting documentation through multiple written disputes, the Department, through cfpb, later claimed they sent letters in XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. However, by that time, the collections entry was already listed on my credit report, meaning these letters were not proper pre-notification, as required. 

I specifically asked for evidence of any notice before the debt was sent to collectionsincluding letters, phone attempts, or emails. Their only claim was a single mailed letter sent years earlier to an outdated college address, despite my updated address and contact information being on file ( which other federal loan services have used without issue ). 

This fails to meet the Departments own stated requirement of adequate efforts to contact the borrower before reporting default to credit agencies ( Federal Student Aid Ombudsman Group guidance ). 

I even attempted to resolve the matter with a pay-for-delete, but they refused. Their response to my previous CFPB complaint simply restated their position without addressing the lack of due process. I am now seeking proper investigation and resolution through this new complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Around XX/XX/XXXX, I became aware of a collections account from Portfolio Recovery reporting on my credit report. I immediately opened a dispute with all three credit reporting agencies, as I had not heard of this company nor done business with them. Those disputes came back later XXXX and early XXXX as " valid '' but I did not receive any information from the credit report companies as to why or how it was validated. 

I found information online and learned they are a debt collector. I reached out to contact them via email on XX/XX/XXXX and demanded validation of the debt. 

I re-filed disputes with the credit reporting agencies, with XXXX  deciding to delete the information from my credit file. The other XXXX again determined the debt was valid with no information as to why. 

On XX/XX/XXXX I received a letter from Portfolio Recovery with the documents I've included in this complaint. They consisted of a letter claiming to validate the debt, a letter backdated to XXXX, and XXXX sheets of an invoice for a credit account I do not recognize. The invoice contained information claiming the debt was around {$600.00}, with only around {$300.00} of that accounted for in the included itemization, with no mention of the $ XXXX that they claimed. 

I do not recognize this account and received no information about when or how it was opened, no proof of any signed contracts or enough information to validate that this debt was ever mine, or that Portfolio Recovery now owns it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: IL

Complaint narrative:
This account does not belong to me and is being reported inaccurately.

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 2025-10-16 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: Kikoff Inc.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kikoff, Inc.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXsumer Financial Protection Bureau ( CFPB ) Cc : TransUnion XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Kikoff , Inc.

Dear Kikoff, Inc., I am writing to formally dispute an account appearing on my XXXX  credit report that I believe to be inaccurate or unverified. The account is listed as : Account Name : Kikoff, Inc. 
Account Number ( partial ) : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Status : Charged-off / Unpaid balance charged off Balance : {$420.00} I do not recognize this account and have no recollection of ever applying for or authorizing any credit account with Kikoff, Inc. Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a full investigation into this matter. If you are unable to verify this account with proper documentation including the original signed application, payment history, and related records it must be deleted from all credit bureaus immediately. Additionally, I request that XXXX  be informed of the results of your investigation and that any unverifiable or inaccurate information be removed from my credit file pursuant to FCRA 611. Please send all responses and supporting documentation to my address listed above. This letter serves as a formal dispute and notice of my rights under the FCRA. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX File Number : XXXX Social Security XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Enclosures : Copy of XXXX  Credit Report ( XX/XX/XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

The accounts are as follows : XXXX XXXX - XX/XX/XXXX XXXX. {$9800.00} Account number. XXXX Hard Inquiries : XXXX XXXX  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 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding CITIZENS BANK s failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with Experian, Equifax and Transunion yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. 
CITIZENS BANK has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To : TransUnion Consumer Solutions TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX I am writing to formally dispute an unauthorized hard inquiry that appears on my credit file. The inquiry from XXXX XXXX, dated XX/XX/XXXX, was not authorized by me. Under the Fair Credit Reporting Act ( FCRA ) XXXX, a consumer reporting agency XXXX only report an inquiry if it was made with my written consent for a permissible purpose. I never authorized this inquiry, nor did I initiate any credit application with XXXX XXXX. Furthermore, under FCRA XXXX, I am exercising my right to dispute this inaccurate and unauthorized information. I demand that this inquiry be removed immediately from my credit file, not simply marked as disputed. Please complete this reinvestigation within the required XXXX timeframe and provide me written confirmation of the permanent deletion of this inquiry. For your records, I am including my FTC Identity Theft Report as supporting documentation. This serves as legal evidence that I did not authorize the inquiry. Sincerely, XXXX XXXX XXXX Enclosures : - Copy of Government-issued photo ID - Proof of address - FTC Identity Theft Report ( FTC Report 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 non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fairway Capital Recovery, LLC
State: TX

Complaint narrative:
I was in a XXXX  and they sent me to debt collections for the amount of {$1400.00}. The amount they say I owe was not correct. I informed the collection agency and then they got with the sorority and then the sorority emailed the collection agency and knocked down the amount owed to {$600.00}. While I was going back-and-forth with the sorority, they sent me to collections even though the amount was wrong. I don't believe that was right or legal. The debt collector will not give me in writing that they will remove the debt collection from my account if I pay it, but they called me and said that they have talked to XXXX XXXX pie and they have said they will request to delete it from collections if it is paid when I asked for this in writing, they said that they are not able to do that. I have email conversations of me back-and-forth with the sorority financial affairs representative and the collections agency and also the VP of the collections agency. The agency is fairway capital and the sorority is alpha omicron pi.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIRST NATIONAL BANK OF OMAHA
State: MN

Complaint narrative:
They have been everyday from XXXX XXXX XXXX XXXXsking me to pay this bill. Ever time they call I have asked them to tell me what this debt is for and they can't tell me unless i verify personal information and I told XXXX I will not do that. I also asked them to send me paperwork and they didn't do that either. The first paperwork I have received was XXXXXXXX XXXX XXXX  asking them to send me information about this debt with the paperwork that they sent me. On XX/XX/2025 I got account summary report telling me about the debt. Since I asked for this they have not been calling me or my family members to try to collect this debt. I did ask them to stop calling me and they didn't stop they called at let XXXX to 4 times a day,.

Company response to consumer: Closed with explanation