vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MO

Complaint narrative:
I filed XXXX XXXX XXXX on XX/XX/year> and chime decided to close my account on XX/XX/year> with no notice due to my XXXX. I use my chime account as a normal bank account therefore I had over {$300.00} in my checking and {$57.00} in my savings. I also get my direct deposit from work sent to my chime account. They sent me an email early morning of XX/XX/year> stating they closed my account suddenly due to XXXX XXXX XXXX. I had no idea that my account would be closed or me filing XXXX  would affect my chime account. They closed my account with no warning and all the money I had is on that account. Ive called numerous times asking for them to allow me to transfer my money over to another account or to expedite my refund to me immediately and they refuse. First they told me 14 days for me to receive my check so I called today XX/XX/year> to see if my check had been issued and they said no. Stating that itll now take up to 30 days to receive my check. I think its totally unfair that they can close my account suddenly with no warning with my money on there but is making me wait 30 days for my money. When I call and ask them to expedite my check, they hang up on me every time stating thats not an option. Please help me. I literally had to borrow money to survive until I got paid the following week because they had closed my account unexpectedly and that is totally unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: IL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-12-16 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: IL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
I am filing this complaint against Consumer Portfolio Services , Inc. ( CPS ) for unlawful debt collection practices, violations of my privacy, and attempts to collect an alleged debt that I do not recognize and have no knowledge of. 
I have no record, recollection, or documentation of any account or obligation with Consumer Portfolio Services, nor have I been provided with information identifying how, when, or where this alleged debt was created.

Despite this, CPS has contacted third-party phone numbers that do not belong to me and has requested my personal and employment information, including : Job address Employment status Phone number These third parties are not authorized contacts, are not co-signers, and have no legal relationship to any alleged debt.

Violations of Law CPSs cond
uct appears to violate the following : 1. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( b ) Prohibits communication with third parties regarding a consumer beyond limited location information and prohibits solicitation of personal or employment details.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Requires validation of a disputed debt. CPS has failed to provide proof of the debts origin, ownership, or accuracy.

3. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d & 1692f Prohibits harassment, unfair, and deceptive collection practices.

4. Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 et seq. ) Prohibits unfair, deceptive, and abusive practices in consumer transactions.

5. Georgia Right to Privacy Protections Unauthorized attempts to obtain or disclose personal information through third parties constitutes an invasion of privacy. 
Formal Dispute and Demands I formally dispute the validity of this alleged debt and request that Consumer Portfolio Services : Immediately CEASE ALL THIRD-PARTY CONTACT related to me. 
DELETE AND CEASE COLLECTION ON THIS ACCOUNT, as the debt is unverified and unknown to me. 
Remove all personal and employment information obtained or sought through third parties. 
Provide written confirmation that all collection activity has ceased.

Notice of Rights If CPS continues collection efforts without proper validation or continues contacting third parties, I reserve all rights under FDCPA, Georgia Fair Business Practices Act, and other applicable laws, including statutory damages, attorneys fees, and injunctive relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
XXXX XXXX [ XXXX XXXX XXXX  ] [ XXXXXXXX XXXX XXXX XXXXXXXX ] [ XX/XX/year> ] Via Certified Mail Return Receipt Requested National Credit Adjusters , LLC [ Address listed on your credit report or collector letter ] Re : Cease and Desist Alleged Account ( as reported to XXXX  ) To Whom It May Concern, Under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act, I hereby demand that National Credit Adjusters , LLC immediately cease all communication with me regarding this alleged debt.

This demand applies to all forms of communication, including telephone calls, letters, electronic communications, and third-party contact.

You may contact me only to confirm cessation of collection efforts or to notify me of specific legal action.

Failure to comply will result in formal complaints and potential legal action.

This notice does not constitute an admission of liability.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXXis falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: PA

Complaint narrative:
I see that inaccurate late payments are still appearing on my credit reports today, and I can not understand why. The inaccurate late payments were not removed after refreshing my browser. I urgently request that the documents I submitted be reviewed thoroughly so I can finally stop worrying about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: PA

Complaint narrative:
I am extremely worried because the accounts that should not be on my credit report are still appearing, and they have not been removed. I urgently ask that the attached documents be examined carefully so that I can finally have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: AZ

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX I Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9800.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00} XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$980.00} XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$36000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$37000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payment XXXX  XXXX  Account Number : XXXX XXXX Account Number : 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 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MI

Complaint narrative:
My account was suspended on XX/XX/XXXX. I asked why and the customer service people would not tell me. They told me to file an appeal and I would hear back within 10 days. They closed the appeal with no information. I filed another one, same thing happened. I've asked to speak to supervisors and I just get the run around. I gave proof on why I use my Cash App account and that I did nothing wrong and I still hear nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CT

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report. The accounts listed below are inaccurate and I request that they be thoroughly investigated. 

CHARGED OFF XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$200.00} INQUIRIES XXXX XXXX Inquiry Date : XX/XX/XXXX LATE PAYMENTS XXXX  XXXX Account Number : XXXXXXXX XXXX Account Number : 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 2025-12-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Issue : I purchased a washing machine from XXXX ( XXXX # : XXXX ) on XX/XX/year>. However, XXXX failed to deliver it on time, which led to a dispute. 

After multiple discussions with XXXX, they stated that the refund was already provided to Bank of America. They shared the following explanation : After carefully reviewing the case with our team, we found that we did not receive the chargeback reversal event for the disputed transaction amount of {$1300.00}. Instead, we received a PREARBITRATION_LOST notification from XXXX. 

This means that the issuing bank should have already processed the refund directly to your account. Since the refund is handled by your bank at this stage, were unfortunately unable to issue it again from our side through XXXX. 

However, the bank has denied the claim, stating that they can not process the refund. I kindly request your assistance in resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NC

Complaint narrative:
I am submitting this complaint as a consumer who is actively working to repair my credit. After reviewing my Equifax credit report, I found several charged-off accounts and an inquiry that I believe are inaccurate, duplicated, or not properly verified. 

XXXX XXXX Charged-Off Accounts in Dispute ( Equifax ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX * XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( appears more than once ) XXXX XXXXXXXX/ XXXX Accounts # XXXX and # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( appears more than once ) XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Some of these accounts appear duplicated, some list different account numbers for what looks like the same debt, and one is listed as an unauthorized collection. I am requesting Equifax to fully verify the accuracy, ownership, balances, and reporting status of each item. Any account that can not be properly verified should be corrected or removed. 

XXXX XXXX XXXXXXXX in Dispute ( Equifax ) : XXXX XXXX XXXX XXXX XXXXXX/XX/year> I do not recall authorizing this inquiry and request verification of permissible purpose. 

I respectfully request that Equifax investigate these matters and ensure my credit report reflects only accurate and verifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I was approved but the interest rate was higher the balance was higher and the monthly payment was higher so I dont consider that mortgage assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
I paid off my SoFi loan in full, which posted on XX/XX/year>. The payoff resulted in an overpayment of {$1700.00}, which SoFi owes back to me.

SoFi advised in writing that refund check was mailed to Ohio XXXX XXXX XXXX on XX/XX/year>. As of XX/XX/year>, neither Ohio XXXX XXXX nor I have received this check. Ohio XXXX XXXX has confirmed they have no record of receiving it.

I have contacted SoFi multiple times requesting : proof of mailing or tracking, a stop-payment on the missing check, and reissuance of the refund ( preferably directly to me ).

SoFi has not provided tracking or proof of mailing, has not placed a stop-payment, and has not reissued the refund. Their most recent response simply stated that 30 days must pass without addressing the missing funds. They have since stopped responding altogether as I have followed up asking for an update 3x since the 30 days have passed.

As of today, it has been 65 days since payoff and 39 days since the alleged mailing, which is well beyond CFPB and industry standards for returning payoff overpayments. I am still owed {$1700.00}. 


I have attached verification of the paid in full letter, along with email correspondence thread with Sofi to this request as well ( text below of email thread as well )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Butler and Associates, PA
State: KS

Complaint narrative:
In XX/XX/year>, I was served a summons to appear, and that is when I first learned of this debt. There were no previous attempts to notify me of this debt that I have recorded. 

I did not retain the exact date, but my first phone call to the agency went through successfully, and I requested information pertaining to the debt. I have yet to receive any information from that phone call. Since then I have made repeated phone calls and been routed to answering machines each time where I have left a message clearly stating my first and last name along with my phone number requesting a callback. 

After using a phone with a different phone number on XX/XX/XXXX I was easily able to make contact with a representative and again asked them for proof of debt ownership or their ability to prove that they were collecting it on behalf of someone else. Additionally, I requested an itemized list of the debt and an official bill. 

The collection agencies online portal is not functioning, and they are only willing to take a payment over the phone. Again, not being able to view the actual debt.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
Mortgage companies submitted late payments on all three credit reports. The payments were made as agreed. XXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX. All accounts are wrongfully reported as late.

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