vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: DE

Complaint narrative:
Formal Complaint Against TitleMax XXXX Delaware XXXX XXXX Loan # XXXX Violations of Delaware Title Loan Law Body : I am submitting this complaint regarding unlawful conduct by TitleMax of Delaware, XXXX XXXX TitleMax, located at XXXX XXXX XXXX, XXXX, DE XXXX XXXX I am the borrower on a title loan issued XX/XX/XXXX, under Loan Number XXXX. The loan was secured by my XXXX XXXX XXXX, VIN XXXX. 

On XX/XX/XXXX, I contacted the XXXX store location to report financial hardship and request assistance. The store manager stated there were no options available and that interest would continue accruing at {$25.00} per day. I was not informed of my statutory right to a workout agreement under Delaware law. I then contacted TitleMax corporate and submitted a complaint. I was told I would receive a follow-up regarding the stores conduct. No follow-up was provided. 

On XX/XX/XXXX, at approximately XXXX XXXX., my vehicle was repossessed without prior notice. This action violates Delaware Code Title 5, Chapter 22, Subchapter V, 2255, which requires : That a workout agreement be offered before repossession or legal action. 

That borrowers be given at least 10 business days to accept the offer. 

That once a workout agreement is accepted, the borrower is not in default and repossession is prohibited unless the borrower defaults on the new terms. 

That the agreement includes a net reduction of at least 10 % of the outstanding debt per month, with equal installments over at least 90 days. 

That no additional fees or interest be charged for converting the loan into a workout agreement. 

XXXX XXXX XXXXXXXX Delaware Code 2255XXXX Title Loans TitleMax failed to XXXX with every element of this statute. No workout agreement was offered. No acceptance period was provided. No notice was issued prior to repossession. The store misrepresented my rights under Delaware law, and corporate failed to respond to my complaint. 

As of the date of this complaint, TitleMax is demanding a payoff amount of {$3300.00}, and states the total loan obligation is {$9100.00}. These figures were presented without acknowledgment of the statutory violations or the illegal repossession. 

I am attaching the following documentation in support of this complaint : A copy of the formal email I sent to TitleMaxs legal department Screenshots of my phone calls and communications with TitleMax Loan details and vehicle information I am requesting that XXXX investigate TitleMaxs conduct and take appropriate enforcement action. I am also seeking full release of my vehicle, waiver of all loan-related fees and interest accrued since XX/XX/XXXX, and compensation for damages resulting from the illegal repossession. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX email : XXXX phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
b'Statement of the Case\nComplainant brings this dispute pursuant to the Fair Credit Reporting Act (15 U.S.C. 1681 et seq.)\nagainst Experian Information Solutions Inc. for materially inaccurate reporting of the Synovus/First\nProgress account ending in XXXX. Despite being closed and paid with a XXXX balance, Experian\nInformation Solutions Inc. continues to report contradictory or derogatory late payment history and\ninconsistent closure dates. This false and misleading reporting constitutes violations of federal law.\nFacts\n- Closed Date (Experian): XXXX XXXX XXXXn- Reported Balance: XXXXn- Status: XXXX\n- Lates reported: 130-day, XXXX XXXX (1/2/1)\n- Remarks: Closed due to inactivity\nViolations of Law\n- 15 U.S.C. 1681e(b)  Failure to assure maximum possible accuracy.\n- 15 U.S.C. 1681i  Failure to reinvestigate disputed information.\n- 15 U.S.C. 1681n & 1681o  Civil liability for willful or negligent noncompliance, including:\n Statutory damages of XXXX per violation\n Punitive damages\n Attorneys fees and costs\n\nExhibit A  Discrepancy Table\nBureau Closed Status Balance Worst Payment Status Remarks\XXXX  XXXX XXXX XXXX XXXX  0/0/0 Closed by credit grantor\XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  Closed/paid account; closed by grantor\nExperian XXXX XXXX XXXX XXXX 1/2/1 Closed due to inactivity; OK\nExhibit B  Timeline Chart (Summary)\n- XXXX XXXX: Account opened\n- XXXX XXXX XXXX XXXX XXXX show closed\n- XXXX XXXX: Last payment\n- XXXX XXXX XXXX shows closed due to inactivity\n- XXXXXXXX XXXX still show updates with inconsistent reporting\n- Present: Conflicting closure dates, contradictory late marks despite XXXX0 balanc'

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 2025-10-07 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: CA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
I am writing to formally express my concerns regarding Chime handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: FL

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve continuing to report on my credit file after multiple disputes and submission of all documentations requested by the credit reporting agency. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information has been leaked several data breaches. I have mentioned the fraudulent accounts below that are continuing to report : 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 explanation
Consumer complaint received 2025-10-07 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: NJ

Complaint narrative:
Please honor the legal timeframe per 15 U.S. Code 1681g and delete the disputed accounts.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX To : XXXX  XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Subject : Request for Deletion of Account and Correction of Personal Information Dear Sir or Madam, I am writing in reference to a recent correspondence from XXXX XXXX XXXX, dated XX/XX/XXXX, confirming that my account ( s ) previously assigned for collection were closed in their office and returned to the creditor. In their letter, XXXX XXXX XXXX also stated that they have requested deletion of the account ( s ) from all consumer reporting agencies to which they had submitted information. To ensure accuracy of my credit file and compliance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting that your agency : Delete all records, references, and reporting related to any accounts previously associated with XXXX XXXX XXXX or their client creditors. Remove all inaccurate or outdated personal information, including any incorrect addresses, employment data, and other identifying details that do not belong to me or are no longer valid. My current and only valid address is : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Please send written confirmation once the deletions and corrections have been completed. I appreciate your prompt attention to this matter. Please ensure my credit file accurately reflects only verified, current information. Sincerely, XXXX XXXX XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
These inquiries are unauthorized so I am kindly requesting for an investigation about this along with the documents I've attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I requested an option to begin paying off a student housing debt accrued by niece, co-signed by her mother and myself as a third guarantor. The debt collection company contacted my sister-in-law. She made one payment a year ago, then stop making payments the debt collection company never discuss payments with me. The collection hit my credit report 13 months later as the third guarantor on the debt. After seeing it on my credit report, I immediately contacted the company. I requested a payoff plan and stated that not having a plan would affect my top secret security clearance. The account manager said, no I could not make any payment plans. Military people attempt that all the time. I need to pay it all off immediately. I was not notified prior that a payment arrangement was made by my niece and sister-in-law. Nor was I notified that the collection arrangement was in default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
On XX/XX/XXXX, I noticed two fraudulent transactions. I contacted the credit card and let them know that I am disputing these two transactions. I attempted to contact the vendor but their support email that is posted on their website bounces back, the vendor also request that you post questions on the XXXX community. At the time I posted my initial comments I noticed there are several other fraud comments in theReddit community. Since then the vendor has scrubbed all negative comments and has changed their XXXX settings so the users have to request permission to post in the community. I supplied all of this information to the credit card company. The credit card company replied with a chargeback evidence letter which contains verification information did the vendor have on file from a previous legitimate transaction from XXXX. I have provided all of this information to the credit card company Apple card/Goldman Sachs through their XXXX XXXX messaging channel and have had no response on this. Goldman Sachs attempted to re-charge me for those items until I let them know that those charges were still fraudulent so they have gone back with a provisional adjustment, but these charges are still pending and may eventually be charged to me even though they are fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION
State: MD

Complaint narrative:
XXXX  using my social security number and date of birth living in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
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. 
Please remove these inaccurate accounts inquiries from all my consumer reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: 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. 
Please remove these inaccurate accounts inquiries from all my consumer reports immediately.

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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
I am writing to formally express my concerns regarding to chimes handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.despite using chime numerous times and reporting discrepancies my financial institution and chime failed to investigate my claim adequately.they informed me that recovering lost funds was impossible and that tracking these transactions was infeasible.the CFPB findings indicate that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams.this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a XXXX XXXX XXXX XXXX. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a XXXX XXXX XXXX XXXX. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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