vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: OPTUM BANK, INC.
State: CA

Complaint narrative:
I am filing an urgent complaint against Optum Bank ( Member FDIC ) for : 1. Repeated failure to close my HSA account despite 5 requests 2. Withholding my funds unlawfully 3. Providing contradictory/misleading instructions Timeline of Events - XX/XX/XXXX : 1st call - Directed to update address ( irrelevant ) - XX/XX/XXXX : 2nd call - False promise of closure in 2-3 business days and getting refund in 7-10 business days - XX/XX/XXXX : 3rd call - Demanded " account activation '' for closure - XX/XX/XXXX : 4th call - Case # XXXX filed but ignored ( I'm not sure if this case is really filed or the customer service is lying to me ) - XX/XX/XXXX : Sent formal demand email ( no response ) to customer service emails

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights. 
The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step
taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs. 
The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Portfolio Recovery XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Subject : Request for Debt Validation Account Number : XXXX Original Creditor : XXXX XXXX XXXX 

To Whom It May Concern, This letter is being sent in response to your letter dated XX/XX/XXXX, regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation made pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 

I request that you provide the following information : The amount of the debt ; The name of the creditor to whom the debt is currently owed ; A detailed explanation of how the amount was calculated ; A copy of the original contract or agreement bearing my signature, if applicable ; Verification that you are authorized to collect debts in my state ; A copy of any judgment, if applicable ; Proof that you have the legal right to collect this debt on behalf of the original creditoXXXX XXXX XXXX XXXX XXXX XXXX. 

Until you provide the above documentation, I request that all collection efforts cease, including any reporting of this alleged debt to credit bureaus, as doing so without proper validation would be a violation of the FDCPA. 

If you do not provide the requested validation within 30 days of receiving this letter, I will consider the matter closed and will report any further collection activity as a violation of federal law. 

Please communicate with me in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: ND

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian and XXXX credit reporting agency , remove 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-05-28 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: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I have no knowledge of this account I never opened it and I requested the company to delete the account with no proof that I opened it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
XXXX closed accounts on my Equifax credit report, XXXX XXXX  XXXX and XXXX XXXX  XXXX XXXX, are incorrectly reflecting a status of charge off. All three of these accounts were included in my 2021 bankruptcy and should be reported as such. Previous to XXXX  these items were being reported accurately yet after a dispute they have been incorrectly updated. From my understanding there are laws around account status after bankruptcy and this seems to be outside the law. This incorrect information along with the first reported major delinquency date which is also incorrect is impacting my score on myfico and intrest rate options and all instances of incorrect information need to be updated immediately. Again, these XXXX accounts, along with other were included in my 2021 bankruptcy. They are not charge off, not are they new debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DriveTime
State: TX

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXXXXXX account was closed and the balance charged-off by the company. However, the residual balance on the account has negatively impacted my credit, as the company continues to status updates the 3 credit bureaus as if this was open on their books but with the XXXX  status. This is illegal reporting and needs to be removed completely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: IL

Complaint narrative:
I graduated college XX/XX/XXXX, and for a while, I struggled with paying my FFELP student loans. In XXXX, I requested that my loans be consolidated and that I be placed on an income driven repayment plan. The plan was granted, and I've been paying my loans. However, since that time my loan has been moved and held without my consent from " XXXX XXXXXXXX XXXX XXXX' to " XXXX XXXX XXXX XXXX '' to " XXXX XXXX XXXX XXXX '' now to " MOHELA '' where it is now owned by " XXXX XXXX XXXXXXXX XXXX XXXX. '' Each of these entities were or are supported under the Federal Education Student Loan program. I stopped paying on the loan when I lost my job in XX/XX/XXXX and filed to have the payment deferred. In XX/XX/XXXX, I requested a loan consolidation under XXXX, and my loan was moved to MOHELA. Then I requested to have the loan moved under another income driven repayment plan, and I provided the Department of Education copies of my W2 forms for my monthly payment. My income is much lower than it was in XX/XX/XXXX. They responded by saying I was not eligible for income driven assistance. I can not afford to repay this or any school loan right now because of my income and other debts I have. Further, according to the Department of Education website, www.studnetaid.gov, " borrowers on the Income-Based Repayment ( IBR ) Plan will have any remaining balance on their loans forgiven after 20 or 25 years, depending on when they took out their loans. '' Since I've been paying on these loans since XXXX, which is more than 25 years, they should be forgiven. I believe the Department of Education has not forgiven these loans because my records have consistently been transferred between different supporting entities, because of accruing and compounding interest, and because my estimated payoff date keeps changing. If I were under Income Driven Repayment when I requested income driven repayment back in XXXX, why have my loans not been forgiven? Now that I have assisted my children in matriculating through school, I also have an even larger loan to repay. I need to be able to focus on that. My income has not changed since I submitted the last W2. Because I do not have access to my work account right now, I have to send the W2s that I sent to Student Loan Services ( attaching ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Transunion ) 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. I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer FICO TransUnion 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 credit card opened aXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a student loan opened at XXXX on XX/XX/XXXX under the account number XXXX, a student loan opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a credit card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-05-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 explanation
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: VT

Complaint narrative:
This is an email I have sent to the financial company : Urgent Request for Escalation Release of Held Funds or Provisional Credit Dear Chime Support, I am writing to urgently request a review and resolution of two pending charges on my Chime account related to failed airline transactions.

I attempted to book flights with XXXX XXXX XXXX and XXXX XXXX, but in both cases, no ticket was issued, and the transactions were either canceled or refunded by the merchants. I have attached supporting screenshots, and will continue to provide additional documentation as needed.

Currently, I am stranded at an airport without access to funds. These pending charges are preventing me from rebooking or securing accommodation. This is an extremely time-sensitive and critical situation. Therefore, I am requesting one of the following actions : Immediate release of the held funds, or Issuance of a provisional credit to proceed with urgent travel needs.

I have submitted these disputes through the app and have continuously attempted to follow up, but due to the urgency of my situation, I am also reaching out by email to request escalation and prompt resolution.

Thank you for your time and assistance. I am happy to provide any additional documentation if needed and greatly appreciate any effort to help expedite this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I applied for a loan modification with Select Portfolio Servicing ( SPS ) due to financial hardship. My application was denied with the explanation that the investor/guarantor does not participate in modification programs and that SPS lacks the contractual authority to approve any modifications. 

SPS stated that the owner of my mortgage is XXXX XXXX XXXX XXXX XXXX, not in its individual capacity but solely aXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. They refused to provide the Pooling and Servicing Agreement ( PSA ) or any documentation supporting their claim, citing proprietary and confidential information. They suggested refinancing as an alternative, but I am not eligible due to my current financial situation and credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
I had sent a dispute for improper use of credit report, and did not fix my Problem and in accurate information on 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 explanation
Consumer complaint received 2025-05-28 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: NV

Complaint narrative:
XXXX XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate or Unverified Information on My Credit Report To Whom It May Concern, I am writing to formally dispute several inaccurate, unverifiable, or outdated items that appear on my TransUnion credit report dated XX/XX/XXXX ( File Number : XXXX ). These entries do not match my records, and unless you can verify them in full accordance with the Fair Credit Reporting Act ( FCRA ), I request their immediate deletion. 

Please find below the list of disputed items : 1. XXXX XXXX XXXX XXXXXXXX XXXX  ( Account ending in XXXX ) Status : Paid, Closed ; was 60 days past due Dispute : I request verification of the late payments. If unverifiable, please delete this item. 
2. XXXX XXXX XXXX XXXXXXXX XXXX ( Account ending in XXXX ) Status : Paid, Closed ; was 60 days past due Dispute : I request proof of the alleged late payments or have this item removed. 
3. XXXX XXXX ( Account ending in XXXX ) Status : Charge-off Dispute : This account is inaccurate and not verifiable by my records. 
4. XXXX XXXXXXXX XXXX ( Account ending in XXXX ) Status : Charge-off Dispute : Please provide full validation or remove this entry. 
5. XXXX XXXX ( Account ending in XXXX ) Status : Charge-off Dispute : I contest the unpaid balance claim and request validation. 
6. XXXX XXXX ( Account ending in XXXX ) Status : Settled, Paid Less Than Full Balance Dispute : This entry contains negative remarks ; please verify or delete. 
7. XXXX XXXX XXXX ( Accounts ending in XXXX, {$300.00} and {$120.00} ) Status : Collection Dispute : Both collection items are not verifiable and should be removed. 
8. XXXX XXXX XXXX ( Account ending in XXXX ) Status : Collection XXXX XXXX Dispute : I never received notice of this debt. Please provide full verification. 
9. XXXX ( Account ending in XXXX ) Status : Collection XXXX XXXXXXXX Dispute : Inaccurate and unverifiable. Please investigate.

Under Section 609 and Section 611 of the FCRA, I request : The method of verification for each item The name and address of the original creditor Deletion of any item that can not be verified within 30 days Please also send me an updated copy of my credit report reflecting the results of your investigation.

Thank you for your prompt attention to this matter. 

Sincerely, 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