vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2025 XXXX charges ranging from {$50.00} - {$51.00} were made at a number of XXXX  in XXXX I live in XXXX  and have never been to XXXX  I do XXXX  work during the night and I didnt notice right away cause I was asleep while the charges were made when I woke up in the evening on XX/XX/XXXX I recognized the charges as well as XXXX more charge of {$51.00} and a fraud alert that only came threw after XXXX charges I then disputed the charges witch my bank chime as said they found nothing wrong with the charges so I called back on XX/XX/XXXX and was informed they needed mor information like a police report I have made a police report and reopened the dispute and was still denied Ive tried multiple times the say they need more information on the charges but I have no information on the charges because I didnt make them nor do I live anywhere near where they were made

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-05-19 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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:
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 non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Party JEFFERSON CAPITAL failed to properly investigate disputes, fails to provide required disclosures, and engages in willful or negligent conduct leading to inaccuracies or improper use of credit information. This matter has been handled improperly. This debt is owed XX/XX/year>XXXX  8 years ago. I have asked not to be contacted as to is not my debt. 

15 U.S. Code 1692c ( c ) Ceasing Communication 15 U.S. Code 1692e False or Misleading Representations FCRA : 15 U.S. Code 1681c ( a ) ( 4 ) Obsolete Information 15 U.S. Code 1681b Permissible purposes of consumer reports 15 U.S. Code 1681e ( b ) Reasonable Procedures for Accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: LoanCare, LLC
State: WI

Complaint narrative:
In the XXXX  of XXXX, I experienced a COVID-related financial hardship and missed approximately XXXX months of mortgage payments. The total past-due amount was under {$3000.00}. At the time, my loan was serviced by LoanCare, who did not clearly explain the implications or details of how the missed payments would be handled. 

Since then, I have remained current on all payments and have not experienced any further hardship. 
However, LoanCare has now placed a claim or lien against my home in the amount of approximately {$28000.00}, which I was not properly informed about or able to dispute. I am currently in the process of converting my FHA loan to a conventional loan, and this unexpected and unexplained claim is causing issues. 

Despite multiple attempts, LoanCare has not provided a clear explanation or documentation for how this {$28000.00} amount was calculated or justified. I am requesting a formal breakdown of this amount and clarification as to how it was applied to my account, especially given that the actual missed payments were significantly lower.

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 2025-05-19 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: World Acceptance Corporation
State: AL

Complaint narrative:
I've called XXXX XXXX on several occasions, and asked them for the original loan documents, which they could not provide. They sold the debt, getting rid of the documents with it. I know longer owe them, or the person they sold the debt to, " XXXX XXXX XXXX, '' anything. I know when I debtor sells a debt, they're not suppose to continue reporting it. On top of the fact, XXXX XXXX waited until after the debt was sold in XXXX, to begin reporting it, in XXXX, which is in fact innacurate use, and reporting, of my credit report. It's illegal via the FCRA. I'm kindly asking that they remove both of they're accounts for improper and inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
After graduating XXXX XXXX, I had some parts of XXXX of my student payments set up on Auto-pay through the loan servicer Great Lakes for the amount of {$200.00} per month. During COVID, these loans were paused as they were in talks of student loan forgiveness. They were paused for over a year to a year and a half. During this time, NELNET had apparently acquired Great Lakes in a merger of some sort and took over my loans from Great Lakes. The only way I found out about this was due to my Credit Score dropping by XXXX points for a XXXX past due balance. I had never gotten contacted through phone or physical mail about the change of company and the disabling of auto-pay. It was only after my credit was negatively affected did I go back to the old email I had used when I had gotten the loan and it said something about the change. This email was among many other scam emails trying to get student repayment and I was unable to discern what was real or fake during that time and whether or not it was a scam- I just assumed real student loan companies would have sent me something VIA mail. Up until recently, I had been at the same address but never received anything from them showing the transition from Great Lakes to NELNET and assumed my auto pay had resumed and it continued to pay the balance OR the student loans had been forgiven. Instead, it has not only accrued interest but it has also negatively affected my credit score from over XXXX to XXXX. I can not apply for some apartments and housing without this being fixed. I am more than willing to make payments and I have spoken to NELNET about this problem and wanted it to be resolved but they had notified me that the period of Goodwill is over and since i am not MIlitary, Bankrupt, or a current student they can not drop this off of my credit report. I plan on bringing the account current in a short amount of time while i'm in a period of financial hardship, but this has all affected my life and my credit in a very unexpected and negative way when I had thought this loan had already been taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: OH

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelson Cruz & Associates LLC
State: CA

Complaint narrative:
I have more then one account that the company and original dates are wrong on credit report. Ive disputed them and talked to the original creditor and nothing seems to change on my credit reports.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
To Whom It May Concern : I am filing this complaint against XXXX XXXX  XXXX and JPMorgan Chase due to an issue that has negatively impacted my mortgage and credit standing, despite my efforts to make timely payments. 

I have consistently paid my mortgage on time using my JPMorgan Chase bank account, which had automatic payments set up to XXXX XXXX  XXXX. However, without my knowledge or authorization, Chase abruptly closed my bank account and terminated the automatic mortgage payments. I was not notified of the account closure or the payment cancellation in a timely manner. 

By the time I received a formal notice from Chase regarding the account closure and a delinquency notice from XXXX XXXX  XXXX, the mortgage payment had already been reported late. I took immediate action upon receiving this information, but the delay caused by Chases unnotified closure and payment disruption resulted in a late payment entry being reported to Experian, Equifax, and TransUnion. 

This situation is outside of my control and due solely to the unilateral actions of my bank, not a failure to pay on my part. I believe this late payment is inaccurate and unfairly damaging to my credit profile. 
Legal Grounds : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information ( such as PHH Mortgage Services ) are required to report information accurately and fairly. Additionally, under FCRA 1681i, consumers have the right to dispute inaccurate or incomplete information, and the furnisher must investigate and correct or delete any information found to be inaccurate or unverifiable.

Furthermore, the Equal Credit Opportunity Act ( ECOA ) prohibits creditors from taking adverse action without properly notifying consumers of the reason for such actions, which I believe applies to Chases failure to properly inform me of the account closure and cancellation of auto-pay.

Request : I respectfully request the CFPB to investigate this matter and urge XXXX XXXX  XXXX to : Reassess the late payment entry given the unusual and unnotified account closure by Chase. 

Remove the late payment entry from my credit reports with Experian, Equifax, and TransUnion. 

Ensure that similar issues do not impact other consumers in the future due to inadequate notice from banking institutions or mortgage servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
This is a follow-up complaint regarding a closed late payment being inaccurately reported on my TransUnion credit report. The account in question is XXXX ( Account XXXX : XXXX ), reported with a late payment on XX/XX/year>, despite clearly showing a balance and past due amount of {$0.00}. This account is closed and no longer active, yet TransUnion continues to retain and report a derogatory late mark that no longer reflects my financial standing and unfairly impacts my credit profile. 

According to the Fair Credit Reporting Act, under 15 U.S.C. 1681e ( b ), TransUnion is required to maintain maximum possible accuracy in the information it reports. An account showing a {$0.00} balance and past due amount should not carry the weight or consequences of a delinquency, especially if it has been resolved and is no longer in default. Furthermore, per 15 U.S.C. 1681i, TransUnion is obligated to reinvestigate disputed information in a timely and reasonable manner. I previously disputed this late payment, yet the mark remains with no evidence provided to substantiate its continued reporting. This negligence raises serious concerns about whether the reinvestigation process was conducted properly and whether any supporting documentation from the original creditor was reviewed at all.

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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I, XXXX XXXX, am the victim of identity theft. I am writing this sworn statement to dispute and reject responsibility for a series of unauthorized accounts and negative entries reported on my credit file. The accounts listed below were not opened, used, or authorized by me, and I have no knowledge of any valid transactions associated with them. 

The following creditors and accounts are being fraudulently attributed to me : XXXX. XXXX Bank Delaware XXXX. XXXX XXXX XXXX XXXX. Credence Resource Management XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX Bank XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX These accounts reflect XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting that I did not incur, did not authorize, and am not legally responsible for. I never signed contracts, authorized transactions, or received funds related to these accounts. I only became aware of their existence upon reviewing my credit reports. 

This misuse of my personal identity has caused significant and unjust damage to my credit profile, including : Negative entries for accounts I did not open Collections and charge-offs I did not authorize Harassment by third-party debt XXXX Delayed or denied access to legitimate credit and financial services I am actively working to correct these errors, including : Submitting this sworn affidavit and statement to credit bureaus, creditors, and regulatory agencies Filing formal disputes under FCRA XXXX and requesting XXXX deletion Demanding verification from all furnishers under FCRA XXXX and FDCPA XXXX ( where applicable ) Placing fraud alerts and monitoring to prevent further damage I am not responsible for these fraudulent debts, and I request the immediate deletion of these accounts from my credit file, along with written confirmation that these disputes have been resolved. 

This statement is true and accurate to the best of my knowledge. I understand that submitting false information is punishable under federal law.

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 2025-05-20 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: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
Dear Sir or Madam, I am writing to inform you that I am a victim of identity theft. Enclosed is a copy of my Identity Theft Report from the Federal Trade Commission ( FTC ), dated [ insert date ]. 
I have identified fraudulent information on my credit report regarding the following account : Creditor Name : RC/RESURGENT RECEIVABLES Account Number : XXXX I want to make clear that I never signed any contract or authorized this debt. This account is the result of identity theft and is not mine. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and delete15 U.S.C. 1681s-2 Reporting inaccurate information knowingly 15 U.S.C. 1681c2 ( Section 605B ) Failure to block fraudulent information upon receipt of proper documentation 15 U.S.C. 1681b Obtaining or using my credit report without a permissible purpose Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e False or misleading representations 15 U.S.C. 1692g Failure to properly validate debt 15 U.S.C. 1692c ( c ) Ignoring a cease-and-desist request 15 U.S.C. 1692d Harassing or abusive conduct information related to this fraudulent account from my credit file within the required timeframe of 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief