vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Ok so I have been having issues with chime since I started banking with them. Recently XX/XX/XXXX at XXXXXXXX XXXX  {$2200.00} dollars completely vanished from the credit builder account and on top of it when I asked about it I was given the runaround they said see it was put in the other account which it clearly was not I had no money in either account they only would discuss the apple charges which when I called the apple number they assured me that it is not them and they knew nothing about it. So I called chime back I disputed the charge on XX/XX/XXXX by the XXXX co {$100.00} which happened while I was on the phone with chime and i disputed it and they denied my dispute. which Ive had issues with for years with them taking massive amounts of money from the chime account but for whatever reason Chime continues to allow them to steal my money. This tt screening has taken on XX/XX/year> dollars I also disputed this but was denied. Then the same co, tt screening took out and on XX/XX/XXXX for XXXX more dollars. 
On XX/XX/XXXX XXXX again hit me hard for {$250.00} and again for XXXX. Now I am XXXX and this was my entire check gone just gone, I was on the phone with chime about this for over XXXX hours and while we were on the phone the same co tried to hit the account again for XXXX more luckily the chime person notices this and he was unable to get my money back and the my denied all of the disputes! How can they allow a company who they know for a fact was stealing money from a XXXX person and they wouldnt even agree with the dispute knowing they stole my money they still denied my dispute then on XX/XX/XXXX I paid XXXX dollars to XXXX for an application fee to try and get a place then he said I passed and on the XXXX he had me send XXXX more to a XXXX XXXX who I learned was a scam and needs to be arrested I paid XXXX for as a deposit which I put in the notes where it asks whats the money for and after he got the XXXX he refused to answer my calls or return the money he XXXX me up a fake lease too and I later found out its XXXX even owned by him to begin with I later found out also ss soon as I noticed money missing from the account I called chime they have made no efforts at all in trying to help me get my money back and they enabled the situation for a XXXX person to be robbed of every dime she had to her name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: Experian Information Solutions Inc.
State: MI

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 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: MN

Complaint narrative:
In XXXX and XX/XX/2025, someone made charges on my credit card that were fraudulent. I always had the card in my possession. I do not know how my credit card information was attained. The only thing I can think of that I did that was out of ordinary was that I used my credit card at a hotel in XXXX when we stayed there for my step-daughter 's volleyball tournament. The hotel was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Otherwise, I did take a photo of my credit card on my mobile phone for myself. I realized at one point that my phone needed an update. Could someone have hacked into my mobile? I never gave my phone to anyone. I disputed the charges with the credit card company by phone call and then they removed the charges but then eventually put the majority back onto my credit card saying that I benefited from the charges. I called them last week to dispute the charges again and they said they would call me back within 24 hours and did not. I called them this morning again and they put me off again. They said no one called because of the holidays and that someone will call me within 24 hours. Now I have thousands of dollars on my credit card of charges that I did not make. I have always paid on time and have been a good customer. I am a XXXX XXXX XXXX... I am not going all over my state and making what appears to be grocery store purchases and then into North Dakota and Wisconsin too and then contacting my credit card company to claim fraud... No.... actually... I am working HARD and can easily attain proof of my whereabouts because I was likely at work. Please help me. I am not a criminal.

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 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Date : XX/XX/year> Radius Global Solutions LLC [ Insert their mailing address from your collection notice ] Subject : Request for Debt Validation under the Fair Debt Collection Practices Act ( FDCPA ) To Whom It May Concern : I am writing to formally request validation of a debt in the amount of {$920.00} that your company claims I owe and which has been reported to the credit bureaus. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
As the debt is listed as being with Radius Global Solutions LLC, I respectfully ask that you provide the following information to validate this debt : 1. The name and address of the original creditor ; 2. The original amount of the debt ; 3. An itemized accounting of how the current amount was calculated ; 4. Proof that your agency is authorized to collect on this debt ; 5. A copy of any judgment, if applicable ; 6. A copy of the signed agreement or contract creating the obligation to repay. 

Until this information is provided, I request that all collection activities cease, and that this debt is not reported to any credit reporting agencies, or if it has already been reported, that it be marked as in dispute. 

This letter is not a refusal to pay, but a request for validation. If you are unable to provide the documentation requested, you are required to cease collection activities and remove the account from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-04-21 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: LEXISNEXIS
State: MI

Complaint narrative:
XXXX account with balance XXXX XXXX account with balance of XXXX XXXX account with balance XXXX XXXX code XXXX applies XXXX XXXX code XXXX applies XXXX code XXXX applies This is for XXXX compliance. 
These accounts are reporting inaccuracies therefore they at a result of fraud. The credit reporting agencies are complicit in this illegal activity. 
These accounts are grossly reporting inaccurately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
Please Remove the Fraudulent Accounts And Inquiries From My Credit credit Report Due To identity Theft. These inquiries were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FRCA ) to have these items promptly removed.

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 2025-04-21 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:
Please Remove the Fraudulent Accounts And Inquiries From My Credit credit Report Due To identity Theft. These inquiries were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FRCA ) to have these items promptly removed.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Io, Inc.
State: TX

Complaint narrative:
I am disputing a collection placed by Receivables Management Systems on behalf of XXXX XXXX. The alleged debt is {$100.00}. I had a policy with XXXX XXXX which I canceled using their online chat feature, giving more than 30 days ' notice before cancellation. The agent in the chat acknowledged the request at the time. 

I have since contacted XXXX XXXX to obtain a copy of that chat, but they stated they have no record of it. Similarly, Receivables Management Systems has not provided any proof of the validity of the debt and can not produce any billing records or evidence that this amount is owed. 

I have disputed this item with the credit bureaus, but the account remains. This is a small balance on a disputed account that the collector can not validate. I am requesting that the Consumer Financial Protection Bureau intervene and request that Receivables Management Systems delete this collection from all three credit bureaus ( Equifax, Experian, and TransUnion ) due to failure to validate under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
Please Remove the Fraudulent Accounts And Inquiries From My Credit credit Report Due To identity Theft. These inquiries were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FRCA ) to have these items promptly removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: CA

Complaint narrative:
The account on my Transunion and Experian credit report, has not been opened by me or do I have any knowledge of this account. I have not lived in any apartment nor have I applied. I am asking to have this removed immediately as this is causing a negative impact on my credit report. I have not authorized QUALIA COLLECTION SERV to access or furnish any information to my credit report. Therefore, the inclusion of this account violates the permissible purposes outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account was removed from XXXX for privacy violations. I will attach the supporting documentation. I am currently on round XXXX of dispute this account is being reported inaccurately, I have also contacted the creditor for the furnishing of information to the CRAs. " Per FCRA XXXX, XXXX XXXX is liable for knowingly reporting inaccurate information. " Account lists incorrect payment history, was previously removed by XXXX and is being reinserted with no proper verification or documentation. Uniform Commercial code UCC 8-102 15 USC 1681eb XXXX I ask that the CFPB XXXX proper reinvestigation or deletion.

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 2025-04-21 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: MI

Complaint narrative:
XXXX account with balance XXXX XXXX account with balance of XXXX XXXX account with balance XXXX XXXX code XXXX applies XXXX XXXX code XXXX applies XXXX code XXXX applies This is for XXXX compliance. These accounts are reporting inaccuracies therefore they at a result of fraud. The credit reporting agencies are complicit in this illegal activity. These accounts are grossly reporting inaccurately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: IN

Complaint narrative:
I am filing this complaint due to XXXX failure to act on my formal request to recast my mortgage loan after making a substantial principal payment. I have made repeated efforts to resolve this directly with XXXX, but I have seen no progress and have received no written documentation or clear communication. 

My mortgage was transferred from XXXX XXXX to XXXX. After selling my previous home, I deposited {$500000.00} toward the loan on XX/XX/year>, via wire transfer. At the time, the loan balance was {$740000.00}, with a monthly payment of {$5700.00}. Given the size of this lump-sum payment, I immediately contacted XXXX on XX/XX/XXXX and XX/XX/XXXX by phone to request a loan recast, as I can no longer afford the current monthly payment. 

I was told that the recast process required a {$250.00} processing fee and that I would receive an email within XXXX days to electronically sign the necessary documents. Despite following their internal process and making repeated follow-up calls, I have yet to receive any documentation to sign or confirmation that the recast process is moving forward. 

On XX/XX/XXXX, I was told the delay was due to a lack of clarity about the {$250.00} fee payment method. I immediately responded that they should have either requested a separate payment or withdrawn it from the lump-sum payment. I was asked to wait XXXX more days. Since then, Ive made multiple additional calls and was told most recently that they still dont know why the process is stalled, but to wait today XX/XX/XXXX and still with no resolution. Still, nothing has been resolved and I am concerned I will not be able to afford the next monthly payment. 

This delay has caused significant financial stress, as Ive already committed the full {$500000.00} to the loan and am still being charged the original monthly payment. I now face uncertainty around my budget and financial obligations. The emotional stress, lost time, and lack of resolution are unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
There are multiple fraudulent inquiries on my report and I was told to contact the CFPB to get them reported. Here is the list of fraudulent inquiries that need to be disputed due to identity theft. 


XXXXXXXX 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 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 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 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 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 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 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 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

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 2025-04-21 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: NY

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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