vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To : Portfolio Recovery Associates, LLCXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Debt Validation Demand FDCPA 809 ( 15 U.S.C. 1692g ) | FCRA 623 ( 15 U.S.C. 1681s-2 ) To Whom It May Concern, I am formally requesting validation of the alleged debt you claim I owe, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ). You recently contacted me regarding an alleged debt, which I do not acknowledge or accept as valid. Therefore, I am exercising my legal right to request complete validation. 
As required by federal law, please provide the following documentation : 1. The original name and address of the creditor to whom the debt was allegedly owed ; 2. The full account history from inception to present, including the original balance, interest, fees, payments, and charge-off date ; 3. A copy of the original contract or agreement with my signature, proving a legal obligation to pay ; 4. Documentation of the complete chain of title/ownership, establishing your legal standing to collect ; 5. Proof that Portfolio Recovery Associates is licensed to collect debts in my state [ Insert Your State ], including your license number ; 6. Confirmation that this debt is not past the statute of limitations for collection in my state ; 7. A copy of any judgment, verification, or legal order related to this debt ( if applicable ) ; 8. A statement affirming whether this debt is being reported to any credit reporting agencies.

You are hereby notified that until full validation is received, you must : * Cease all collection activity, including phone calls, letters, and reporting to credit bureaus ; * Cease and desist communication outside of written correspondence only, per 15 U.S.C. 1692c ( c ) ; * Refrain from furnishing any data regarding this alleged debt to any consumer reporting agency, per FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

If you fail to provide the above documentation within seven ( 7 ) business days of receiving this letter, I will consider this matter closed, and I will demand : * Immediate deletion of all references to this alleged debt from XXXX XXXX XXXX XXXX  * Written confirmation that this account has been closed and will no longer be pursued; * Cessation of any future collection efforts. 
If you continue to report unverifiable information, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of [ Insert Your State ]. Furthermore, I reserve the right to pursue legal action for violations of the FDCPA and FCRA, including seeking statutory damages under 15 U.S.C. 1692k. 
This is a formal request. All future communications must be in writing. Telephone calls and any other forms of contact are not authorized. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-28 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days.

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
I recently reviewed my credit report and found a hard inquiry that I did not authorize. Since I never consented to this action, the presence of this inquiry is misleading and detrimental to my record.

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 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
From XXXX 2025 to XX/XX/year>2025, I made food purchases at XXXX as well as treatment for my son with XXXX. The XXXX specializes in neurological treatment of symptoms of people with XXXX, add, etc. I thought I had an available balance and trusted I did as capital one let all the charges go through. I never would have gone over the limit if the charges were denied. I would have sought an alternative payment method. I have a XXXX credit limit and my balance is XXXX with a 27.99 % minimum interest in credit. XX/XX/year>2025 I requested the limit be brought up to match what I owe so no extra financial burden paying that down is created. I asked Capital One how it can allow a consumer to go that high over the limit with no safety on the account financially to deny purchases. The representative on XX/XX/year>2025 said that at their discretion capital one can go over the limit. That is a lot over the limit for us. The interest rate for someone with my credit rating which I checked on XX/XX/year>2025 is XXXX according to FICO. I have always paid all my payments on time. and asked if my credit limit could be brought up to match what Capital One allowed to go through. There was no offer by the representative to raise the credit limit that CAPITAL ONE ALLOWED to go over. Match the XXXX with a credit limit of XXXX. There was no offer to lower the interest rate even to XXXX. If Capital One was willing to allow purchases to go over by almost XXXX then Capital One should match that credit limit. It helps with interest and penalties. It would also help for Capital One to lower the credit limit. Again, I have made all payments on time, Please help me with this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/year>XXXX XXXX XXXX XXXX XXXX, a direct deposit of {$520.00} was sent from my XXXX XXXX account to my Chime account. The deposit was rejected by Chime with the stated reason of name mismatch. 

This explanation is false. XXXX has confirmed that the deposit was sent under my full legal name, XXXX XXXX, which matches the legal name on my Chime account. 

Chime emailed me the rejection notice directly from their official domain ( XXXX ). However, instead of addressing me by my legal name ( XXXX XXXX, the email addressed me as XXXX XXXX. This is my preferred name on my Chime profile, not my legal name. 

When I raised this issue, Chime representatives told me we would always address you by your legal name, so thats incorrect. This is untrue Chime consistently addresses me by my preferred name XXXX in all of their email correspondence. This clearly demonstrates that Chimes system likely mismatched my incoming deposit ( legal name XXXX XXXX against my profiles preferred name ( XXXX ), and wrongfully rejected it. 

Because of this improper rejection, my funds are now delayed as they are routed back to XXXX and must be reprocessed. This has caused me significant financial hardship, as these funds were needed immediately for bills and living expenses. 

Chime not only mishandled my deposit, but also misled me by denying the validity of their own official email notification and their practice of addressing me by my preferred name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,

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 2025-08-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
THEY ARE CONTINUING TO LEAVE THESE INQUIRIES ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: TX

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this dispute regarding a fraudulent account that has been wrongly reported under my name. I have no association with this account, and I never authorized or opened it. Its inclusion is entirely false and causing undue harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
Testimony of Difficulties Encountered with Coinbase Detailed Chronology of Transactions and Steps Taken I've been having trouble recovering my money from Coinbase over the past few months. Here 's a detailed timeline of events : XXXX : Account Block and Initial Steps In XXXX, I noticed that my money was blocked in my Coinbase account. Following this, I received a message from the company asking me to provide supporting documents to verify my identity and the source of the funds. I responded by sending all the required documents, such as proof of identity and banking information. 

XXXX : Follow-up and Promise of Unblocking At the beginning of XXXX, Coinbase followed up with another request for the same documents, even though I had already sent them. I made sure to send all the requested supporting documents a second time. Around XXXX, the company informed me by message that the money had been unblocked and that I could access it. However, despite this notification, I have not received the funds in my account. 

XXXX : New Requests and No Resolution During XXXX, Coinbase contacted me again, asking for the same information as in the previous steps. I responded to each request, systematically sending the required documents. Despite my repeated efforts and exchanges with customer service, the money has still not been transferred to my account to date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-28 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 have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-28 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: TX

Complaint narrative:
I am filing this FTC Identity Theft Adavit to report 4 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal loans account opened at XXXX XXXX XXXX XXXX XXXX for {$510.00} XXXX XXXX XXXX XXXX XXXX for {$720.00}, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 
These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Complaint Against Select Portfolio Servicing ( SPS ) I am a senior homeowner in California with a mortgage serviced by SPS. SPS has engaged in unfair and abusive practices : Late Fees from Processing Delays SPS mails my statements at the end of the month, leaving almost no time to pay. They then delay processing my payment and charge late fees. 

Adding Fees to Loan Balance SPS has stated that unpaid fees will be capitalized, forcing me to pay interest on them.

Force-Placed Insurance SPS charged me for force-placed insurance despite proof of valid coverage through the California FAIR Plan.

Requested Resolution : DFPI require SPS to remove all improper fees.

Stop capitalization of late fees. 

Correct escrow to reflect actual insurance coverage. 

Ensure SPS mails statements in a timely manner so borrowers have a fair chance to pay on time. 

This conduct is abusive and is causing me financial and emotional stress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Driveway Finance Corporation
State: TX

Complaint narrative:
I paid off my car loan with Driveway finance on XX/XX/year>, and they acknowledged receipt of payment. I inquired today as to how long it would take to receive the loan payoff letter, and they told me 2 weeks, as it was an ACH payment, which they said had a longer hold time than paper checks. My understanding ( based on what my bank told me ) was that time frame was excessive, and asked for a written explanation of the hold time, to which they firmly refused, and said that it was impossible to provide me with a written explanation.

Company response to consumer: Closed with explanation