vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cohen, Roberts & Associates, LLC
State: NY

Complaint narrative:
Someone contacted my place of employment and told my colleague that I needed to call back the number they provided within 30 minutes. When I called, the person who answered did not greet me with their name or company name. They told me that it was XXXXXXXX XXXX  where they were located and I explained that I was told to call this number. They proceeded to explain that they are from a legal office, which later I was told was called XXXX XXXX XXXX. The person 's name is XXXX XXXX. They claimed that they are representing their " client '' to collect a debt and said that a letter was sent to my home on XX/XX/XXXX, which I never received. They tried to make it seem like I do not pay attention to my mail, despite me explaining that I look at my mail every day. They knew my social security number, home address, telephone number, email, my husband 's name, telephone number, the industry I work in and my place of employment. They said that their client would email me a Settlement Agreement and that I would need to pay the debt within the hour. I asked for a business address, which they said is XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX and their business license or registration is XXXX. XXXX placed me on hold multiple times claiming she needed to consult with her client. I needed to ask the name of the client and XXXX claims she disclosed that information multiple times. I proceeded to tell her that she never stated the name of her client and that she only referred to them as her " client. '' I was also told that the original creditor is XXXX XXXX and that if I call them they XXXX not have me in the system because the original debt is from XX/XX/XXXX. After expressing that I am not comfortable with making a payment via fax or email, and requesting a hard copy via mail, XXXX said that she can not guarantee that I won't be sued, and that I can do what I need to do. She also stated that I live in a state where wages can be garnished, so I don't need to do anything. I told XXXX that I wasn't comfortable with the whole conversation because there are a lot of scams going on and she sort of laughed it off. She also became defensive when I was asking her for official information or after hearing my frustration, which I would think someone working in a legal office would be able to handle. During our conversation, I received the settlement agreement stating that I need to pay XXXX " no later than XX/XX/XXXX. '' This is the same day. I explained to her that the letter did not have a business name or address and that I would be reporting this as fraud. Within XXXX minutes a new letter was sent but this time with the company name and telephone number, but still no address. I ended the call by telling her that I would need to consult with my lawyer.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it.

Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: MI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MN

Complaint narrative:
XX/XX/year> chime allowed someone to steal {$580.00} out of saving account with them and to a XXXX  and I didnt not authorize the transactions of XXXX and fee of XXXX to a visa account ending XXXX and I have try to dispute it three times and all times they denied it and I filed a police report on XX/XX/year> about they transferred and I received texted alerts from chime asking me if I made the transfers I said no both times they sent it to me it is my rent money someone stoled from me I have children and I cant afford to take a loss liked this a have been stressed out since it happened and I am tired of talking to chime and they not doing anything about replacing my funds I want to sue them for pain and suffering they are putting on me as a mother and I never had a problem with this company until! And all my card was on frozen which supposed to be they way of locking the card so unauthorized transactions cant come out of the accounts this is some fraudulent behavior and I didnt make none of this happened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: KY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-14 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: KY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-14 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I opened a XXXX line years ago, and at one point, my credit limit was increased to almost {$4000.00}. I understood the promotional termsno interest as long as the balance was paid within 90 days or the specified timeframeand I accepted the conditions and started making payments. 

Later, I discovered that the account was also charging me a payment card security fee that I was never aware of. So for every {$100.00} I paid, about {$66.00} went toward interest, {$47.00} toward this security fee, and only a small portion toward the actual balance. 

I decided to start making larger payments to bring the balance down and improve my overall credit. However, I noticed that every time I made a big payment {$500.00}, {$700.00}, or moreCareCredit would accept the payment but then immediately reduce my credit limit. Because of this, my credit utilization jumps from around 50 % back up to 90 % or more, which negatively affects my credit score. When I asked them about it, they told me they review credit reports and adjust limits based on those results. But what I find confusing is that, at the same time, I was just approved for a new credit card with a limit of over {$4000.00} from the same bank, Synchrony. If my credit is supposedly the reason theyre lowering my limit, why would Synch
rony approve me for a new account with a higher limit?

It just doesnt make sense 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 monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am formally requesting the removal of this incorrect account from my credit report, as I never authorized its creation or use. Attached are the supporting documents for my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-14 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-14 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I called SECU and completed all security verification. When the representative asked why I was calling, I told him I needed a lien release for my charged-off auto loan so I could correct my credit and clear the title. The representative immediately became hostile and told me they would not provide the lien release because the debt was not paid.

This refusal is improper because the loan is already charged off, the account is closed, and the vehicle was never repossessed. SECU is withholding the lien release due to nonpayment with the hopes of further complicating the process, which violates UCC 9-513, NCGS 20-58.4 , and CFPB rules regarding unlawful lien retention and coercive collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is a new and separate complaint regarding a {$14000.00} international wire transfer sent on XX/XX/year>. It is not related in any way to the {$200.00} wire from XX/XX/year>, which Chase mistakenly responded to in my prior CFPB complaint. Their response addressed the wrong transaction and must be disregarded. 

On Thursday, XX/XX/year>, I sent a {$14000.00} international wire transfer. The beneficiary had accidentally provided incorrect account information. 

We discovered the error on Monday, XX/XX/XXXX, and I immediately contacted Chases Wire Transfer Department. I spoke with three different representatives that day and clearly requested a recall of the wire. Each representative confirmed the recall would be submitted immediately and assured me it was being processed. These calls were recorded and documented. 

However, when I followed up days later, I was informed that no recall had been submitted through SWIFT. There is no XXXX or XXXX message on record, and no trace message was ever generated. Chase representatives admitted they could not explain why no recall was submitted despite my multiple calls and confirmations. 

Chases failure to act on my repeated recall requests constitutes operational negligence. I did everything I could once the error was discovered. Their inaction is what caused the permanent loss of {$14000.00}. 

What I Am Requesting : A formal investigation into why my recall requests on XX/XX/XXXX were never submitted Confirmation of whether any SWIFT messages were ever sent A full timeline of Chases actions ( or lack thereof ) Reimbursement of the full {$14000.00} if the funds can not be recovered due to Chases failure to execute the recall A correction to the record, as their prior CFPB response pertained to the wrong transaction entirely This complaint is exclusively about the {$14000.00} wire sent on XX/XX/XXXX and the recall request made on XX/XX/XXXX. Please investigate this matter specifically and disregard any mention of the unrelated {$200.00} wire.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Due to XXXX XXXX assessor 's office delivering the 2nd tax installment late ( XX/XX/XXXX ) instead of in XX/XX/XXXX. PHH assumed the possible 2nd tax amount would be XXXX, instead of the actual amount, which is XXXX. This caused an additional XXXX to be added to the mortgage amount of XXXX since XX/XX/XXXX. - XX/XX/XXXX for 5 months totaling XXXX each month. Currently that's an overpayment of XXXX ( XXXX ). PHH was notified of the incorrect tax amount on XX/XX/XXXX, and the customer rep stated that she would submit a ticket update. Customer rep also stated that more than likely there would be no Escrow analysis done until XX/XX/XXXX. I informed her that since the amounts were incorrect, this escrow analysis should be done immediately to correct the mortgage amount based on taxes. Again, the rep stated that I would have to keep calling to see if PHH will do another analysis for XXXX.

Company response to consumer: Closed with explanation