vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
Ive been experiencing severe financial hardship for the past XXXX. My parents are deceased and Ive been living in my house for XXXX  years. Ive taken in my XXXX Aunts and have made several home repairs over the years that put me behind on payments. I plan to stay in my home. I just need some financial support for a short time so I can catch up on my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC
State: MD

Complaint narrative:
I had auto insurance with XXXX with my XXXX XXXX XXXX my original payments were {$470.00} and it increased to {$680.00} after an accident which I agreed on. I added my husband new car XXXX small compact XXXX XXXX and terminated my insurance for the XXXXXXXX XXXX XXXX because car was returned. Months later I received a collection on my credit for this item in amount of {$1300.00}. When I called to asked why would what I owe be this amount when I cancelled my policy they informed me it was for the XXXX XXXX and I informed them that my monthly payments on the XXXX was never high it was just {$680.00} and I canceled and paid it off. They gave me the round around for 2 weeks until a manager told me is not for my XXXX is for the XXXX compact car for the year XXXX. I asked them how do you charge me {$1300.00} a month for a XXXX small compact car a month and I wasnt aware or acknowledge that I will paying {$1300.00} a month for a car that my husband insured on his own for only {$220.00} a month and you are charging me {$1300.00} they said is the rate that I received on that day nevertheless that is beyond bizarre and upsoard and the entire time they had me confused that it was for my XXXX XXXX that I turned in look at the attached declaration for the same car for just {$220.00} a month that they charging me {$1300.00} a month for and they put it on my credit with account receivable destroying my credit unnecessary

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 2025-10-12 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:
This debt isnt mines and its on all three of my credit reports and the debt buyer of this debt have not did their part in trying to resolve this error. 

Account : XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX 

Account # XXXX Amount : {$940.00}

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 2025-10-12 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:
This debt isnt mines and its on all three of my credit reports and the debt buyer of this debt have not did their part in trying to resolve this error. 

Account : XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX 

Account # XXXX Amount : {$940.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
In XX/XX/year> my identity was stolen, on that day, a purchase for {$500.00} was made on my Goldman Sachs Apple Card that I did not make or approve. Apple/Goldman Sachss refused the refund. I have provided a police report number to them with my dispute but they still refuse to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-12 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
I have had my Chime checking account since 2019, and over that time I have frequently experienced delays in receiving funds that were supposed to be refunded or released to me. Even though my account is still open, I have stopped using Chime as my primary account. These delays have happened multiple times, causing financial stress and inconvenience. I later learned that the CFPB took enforcement action against Chime for illegally delaying consumer refunds, and my situation appears to fall under the same type of problem. I am requesting that this issue be reviewed and that I receive any refund or redress I may be owed under the CFPBs consent order with Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am reporting a dispute involving unauthorized XXXX XXXX transactions that appeared on my Chase credit card in XX/XX/XXXX. 
The transactions occurred in XXXX and XXXX, but I have been residing continuously in XXXX, XXXX, and I have not visited XXXX since XX/XX/XXXX. 

I already provided my passport pages showing travel history to Chases Fraud Investigation Team, clearly proving I could not have made those purchases in XXXX. 
However, the Chase Fraud Team insists the charges were made by my XXXX XXXX device, even though its technically possible that an old XXXX  XXXX  token was cloned or never properly deactivated. 

I believe Chases investigation was incomplete and that they relied solely on device-ID data without conducting a full device-token forensics or transaction-routing origin review. 

I respectfully request CFPBs assistance in requiring Chase to : 1. Re-examine the case with a token-forensics review. 
2. Verify the true physical merchant location of the XXXX transactions. 
3. Provide a formal written response explaining why these transactions were deemed authorized despite clear evidence I was not in XXXX. 

Evidence submitted includes : Passport pages showing entry and exit stamps ( last visit to XXXX on XX/XX/XXXX ) Screenshots of Chase communications and case records Copy of residence card or proof of address in XXXX I request that Chase reopen or re-evaluate the dispute based on these documents and provide a written resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXXSubject: Dispute of Incorrect Personal Information on Credit ReportXXXXDear Experian,\XXXXI hope this letter finds you well. I am writing to dispute certain items on my credit report that I believe toXXXXbe inaccurate and unauthorized. After reviewing my credit report, I have identified the erroneous itemsXXXXthat were not authorized by me. I kindly request your assistance in investigating and rectifying theseXXXXdiscrepancies.XXXXBelow are the items which I am disputing:XXXX1. Please update and remove this incorrect name from my credit report immediately. My correct name isXXXXXXXX XXXX XXXX XXXX2. Please remove these incorrect address(es) from my credit report immediately. My correct currentXXXXaddress is XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX request that you conduct a thorough investigation into these matters and provide me with the results atXXXXyour earliest convenience. If you find that these items are indeed inaccurate or unauthorized, I kindlyXXXXrequest the removal of these items from my credit report.XXXXI understand that you have 30 days to investigate and respond to my dispute, as stipulated by the FairXXXXCredit Reporting Act (FCRA). Your prompt attention to this matter is appreciated.XXXXPlease send me written confirmation once the investigation is complete and the inaccurate informationXXXXhas been removed from my credit report.XXXXThank you for your prompt attention to this matter. I look forward to a swift resolution.'

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Im writing to formally dispute the accuracy of a repossession listed on my credit report. The account in question is : XXXX. XXXX XXXXXXXXXXXX XXXX XXXX I recently reviewed my credit report and noticed this entry, which I believe contains errors or incomplete information. Under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ], I have the right to dispute any information that I believe to be inaccurate, incomplete, or unverifiable.

Upon review, Ive found one or more of the following issues related to this account : The balance does not reflect the auction sale amount or XXXX insurance payout, if any. 
Dates and payment history appear inconsistent or incomplete. 
The creditor has not provided full validation of the debt or detailed accounting. 
If the furnisher of this information can not provide proper documentation to verify the accuracy of this repossession, I am respectfully requesting that the entry be immediately deleted from my credit report as required by the FCRA.

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 2025-10-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CashRepublic Holdings, Inc.
State: VA

Complaint narrative:
The settlement letter I received on XX/XX/XXXX from XXXX XXXX XXXX ( account # XXXX ) on behalf of XXXX XXXX says I paid {$0.00} and have a {$0.00} balance. In total, Ive paid {$5200.00} between XX/XX/XXXX to XX/XX/XXXX ( {$1100.00} to the XXXX XXXX portal in XXXX monthly payments of {$100.00} every XXXX of the month and a single payment of {$2200.00} also on the portal on XX/XX/XXXX ). Interest owed to XXXX XXXX XXXX was unexpected and not reflected on the XXXX XXXX XXXX website. It wasnt until I called to ask for a letter stating Id resolved the account that I was requested to pay an additional {$1700.00} on XX/XX/XXXX over the phone with XXXXXXXX XXXX towards interest to XXXX XXXX I made the payment, asked for a letter again, and was told to wait for a letter via email. Ive attached the payments below. As of XX/XX/XXXX, {$3900.00} was written off on my account with a past due balance of {$4000.00} reported to my XXXX  credit report by XXXX XXXX Again in total Ive paid {$5200.00} as of XX/XX/XXXX. Id like a written explanation of why I was asked to pay {$1100.00} more than what was reported to XXXX credit bureau within a month if the debt was charged off in XX/XX/XXXX with an original balance of {$3500.00}. Id also like the amount paid accurately reflected in the paid in full letter, a payment history statement for my records, and the XXXX XXXX  account deleted from all credit reports.

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 2025-10-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
The settlement letter I received on XX/XX/XXXX from Sunrise Credit Services ( account # XXXX ) on behalf of XXXX XXXX says I paid {$0.00} and have a {$0.00} balance. In total, Ive paid {$5200.00} between XX/XX/XXXX to XX/XX/XXXX ( {$1100.00} to the XXXX XXXX portal in XXXX monthly payments of {$100.00} every XXXX of the month and a single payment of {$2200.00} also on the portal on XX/XX/XXXX ). Interest owed to XXXX XXXX XXXX was unexpected and not reflected on the Sunrise Credit Services website. It wasnt until I called to ask for a letter stating Id resolved the account that I was requested to pay an additional {$1700.00} on XX/XX/XXXX over the phone with Sunrise credit towards interest to XXXX XXXX. I made the payment, asked for a letter again, and was told to wait for a letter via email. Ive attached the payments below. As of XX/XX/XXXX, {$3900.00} was written off on my account with a past due balance of {$4000.00} reported to my XXXX credit report by XXXX XXXX. Again in total Ive paid {$5200.00} as of XX/XX/XXXX. Id like a written explanation of why I was asked to pay {$1100.00} more than what was reported to XXXX credit bureau within a month if the debt was charged off in XX/XX/XXXX with an original balance of {$3500.00}. Id also like the amount paid accurately reflected in the paid in full letter, a payment history statement for my records, and the XXXX XXXX account deleted from all credit reports.

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 2025-10-12 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: AZ

Complaint narrative:
Dear CFPB, I am submitting this complaint against Experian and the following furnishers : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. These entities are reporting inaccurate or unverifiable data on my credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Consumer Financial Protection Act.

Despite data breach concerns, Experian continues to report : Duplicate and outdated collections ( XXXX XXXX  ) Inconsistent charge-off dates ( XXXX XXXX, XXXX XXXX ) Inaccurate derogatory status on paid accounts ( XXXX  ) Outdated personal identifiers These inaccuracies affect my creditworthiness and violate FCRA 607 ( b ), 611 ( a ), and 623. I am requesting CFPB oversight to compel immediate deletion or correction of these items and appropriate sanctions for noncompliance. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: TN

Complaint narrative:
I was tricked into signing up to erase my debt in XX/XX/year> through Beyond Finance and instructed to not making any payments which tanked my credit more than what they claimed it would. The first XXXX resolution offers were not what they promised they could get me and one of them ended up falling through because they were not withdrawing biweekly funds like they were supposed to. The last debt they were to settle ended up filing a lawsuit against me which is a further hit on my credit and will forever show up on background checks. I requested to see the negotiation history between the creditors because the amount increased and was denied to see these requests. One rep said " it was private '' One rep promised to get them to me and never did. One rep said no written records exist because they are all by phone, yet they record their phone calls. This company is a scam and needs to be stopped from their predatory and deceptive enrollment practices and failure to follow through on their promises and all the hidden fees associated with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: NJ

Complaint narrative:
Associates is reporting a collection account on my credit report that has not been properly validated under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) and remains inaccurate and unverified in violation of the Fair Credit Reporting Act ( FCRA 611, 15 U.S.C. 1681i ).

I requested validation of the alleged debt and documentation proving their authority to collect, but they have not provided proper proof or removed the account. 

I am requesting that the CFPB investigate this matter and require XXXX XXXX XXXX and the credit bureaus ( Experian, Equifax, and TransUnion ) to remove this unverified collection from my credit report. 

Account : XXXXXXXX XXXX XXXX {$530.00} Opened XX/XX/XXXX Last reported XX/XX/XXXX. 

This inaccurate reporting is harming my credit profile and preventing me from obtaining fair credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Associates is reporting a collection account on my credit report that has not been properly validated under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) and remains inaccurate and unverified in violation of the Fair Credit Reporting Act ( FCRA 611, 15 U.S.C. 1681i ).

I requested validation of the alleged debt and documentation proving their authority to collect, but they have not provided proper proof or removed the account. 

I am requesting that the CFPB investigate this matter and require XXXX XXXX XXXX and the credit bureaus ( Experian, Equifax, and TransUnion ) to remove this unverified collection from my credit report. 

Account : XXXXXXXX XXXX XXXX {$530.00} Opened XX/XX/XXXX Last reported XX/XX/XXXX. 

This inaccurate reporting is harming my credit profile and preventing me from obtaining fair credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
i have to knowledge of this account at all im asking it to be removed immediately thanks again

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 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for the XXXX XXXX XXXX Chase Credit Card in XXXX and received it in XXXX.. 
Since I didnt have a XXXX membership ID at the time, Chase created one for me during the application process. However, the ID number Chase provided actually belongs to someone else. 

Following XXXX  guidance, I created a new membership ID, but Chase has not updated my account information with the correct membership ID. As a result, I havent received the points and benefits Im entitled to. 

Over the past XXXX months, I have called XXXX more than XXXX times, and on several occasions, XXXX and I contacted Chase together. Despite our efforts, Chase continues to insist that the update must come from XXXX side, while XXXX maintains that the correction must be made by Chase. 

It has now been XXXX months, and Ive spent over XXXX hours trying to resolve this issue, receiving the same response from Chase repeatedly without any progress.

Company response to consumer: Closed with explanation