vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: ADP Inc.
State: TX

Complaint narrative:
My paycheck was loaded on to my wisely account card. I went to the store to make a purchase but the card machine kept reading " not authorized ''/ I checked the balance, and it was XXXX cent. I spoke with them about the matter. They stated that there were two separate withdraws from my card/account within minutes of each other and as a result, left my account with XXXX cent. This was last Monday. I have not heard anything from Wisely since that day. I use the card to live and as a result am experiencing a financial hardship. Yet, they have not took any action to offer provisional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-22 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I do not recognize or authorize theses hard inquiry. Please remove it or provide proof of authorization under 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 explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Collection Services, LLC
State: NY

Complaint narrative:
To Whom It May Concern : This letter is sent in response to a collection account appearing on my credit report with XXXX  I am formally disputing this account and requesting validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Please provide the following : Documentation bearing my signature, such as a signed contract or promissory note, demonstrating that I am legally obligated to pay the alleged debt.

A complete itemized accounting of the amount claimed, including principal, interest, fees, and any payments applied. 
The name and address of the original creditor, along with documentation demonstrating the basis for the alleged obligation. 
Proof that your agency is legally authorized to collect this debt, including a complete chain of assignment or ownership if the debt has been transferred or sold. 
Please note that internal account summaries, transcripts, enrollment records, or payment histories do not constitute proper validation of a legally enforceable debt. 
Until proper validation is provided, you are required to cease all collection activity, including reporting or verifying this account with any consumer reporting agencies. 
If you are unable to provide the requested documentation, this account must be considered unverified and removed from my credit files with all credit bureaus. 
I am documenting all correspondence regarding this matter for potential use in asserting my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). I also request that all communication be made in writing only and that no telephone calls be placed to me regarding this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
I am writing to dispute the following items that are currently reporting inaccurately on my credit report. I am requesting that the inaccurate items be investigated and corrected accordingly. 
INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PLANET HOME LENDING, LLC
State: MO

Complaint narrative:
I am a XXXX XXXX XXXX at XXXX XXXX with a stable, permanent income. My mortgage servicer, Planet Home Lending, is currently proceeding with a foreclosure sale scheduled for XX/XX/XXXX, despite the fact that I have an active loss mitigation application in process. 

I submitted a complete application on XX/XX/XXXX, and provided updated proof of my permanent income at XXXX XXXX via fax and email on XX/XX/XXXX and XXXX. When I called today ( XX/XX/XXXX ) to confirm receipt and ensure the sale is suspended, I was told by a representee that " they did not see the files '' and " to give them a call back on Friday '' This is a blatant violation of Regulation X ( 12 C.F.R 1024.41 ), which prohibits " Dual Tracking '' - proceeding with a foreclosure while a loss mitigation application is pending. 

The company refused to let me speak to a supervisor and failed to provide any confirmation that my legal rights are being protected. I am demanding an immediate suspension of the XX/XX/XXXX sale and a full, fair review of my modification application based on my current stable income.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year>, I received XXXX unsolicited emails from Chime Financial , Inc. regarding an account that I did not open and do not recognize. 

The first email stated that a Chime account associated with my email address was accessed at approximately XXXX XXXX. using an XXXX. I do not own an XXXX, nor have I ever opened or authorized an account with Chime. 

Shortly thereafter, I received a second email stating that a Chime debit/Visa card was being mailed to my home address. While the address listed was correct, the account itself is fraudulent and unauthorized. 

I immediately contacted Chime customer service to report the issue. During the call, Chime representatives requested extensive personal information over the phone. Given that I was reporting a fraudulent account that I did not open, I was uncomfortable providing sensitive personal data and instead requested that the unauthorized account be closed. Chime stated that the account was closed ; however, I have not received any written confirmation or other means to independently verify that the account has in fact been terminated or that no card was issued. 

I subsequently reviewed my credit reports with all three major credit reporting agencies. No credit inquiries were made, and I currently have an active credit freeze in place with all three bureaus. This raises serious concerns about how Chime was able to open an account and issue a debit/Visa card without triggering a credit inquiry or being blocked by existing identity protection measures. 

I am concerned about Chimes account-opening and identity verification procedures, as well as the potential risk of identity theft and unauthorized financial activity. I am requesting that the CFPB review this matter, ensure that the unauthorized account is fully closed, confirm that no debit card or financial instruments remain active, and evaluate whether Chimes practices adequately protect consumers from fraud and unauthorized account creation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the inaccurate information reported on my credit report. Below are the accounts in dispute, separated by bureau : INQUIRIES : XXXX XXXXt, XX/XX/year> LATE PAYMENTS : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing accounts on my credit report that I did not open and am not associated with. I am requesting that these accounts be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: DE

Complaint narrative:
As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: NC

Complaint narrative:
I am filing this complaint to dispute multiple inaccuracies in the reporting of my accounts. The information being furnished to the credit bureaus contains incorrect details. These inaccuracies are negatively affecting my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
So I bought a pair of Jean shorts from an online on XX/XX/year> and I contacted my bank which is navy federal to dispute that charge because it been months and that company has not sent any updates regarding my order. I submitted the dispute with my bank and they said that I wasnt able to get my money and did that give a reason at all even though I provided all information and showing that I didnt not get the goods I ordered. I submitted the dispute claim on XX/XX/year> and the claim was denied on XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Harris & Harris, Ltd.
State: AR

Complaint narrative:
Harris and Harris LTD Tried calling them on phone number provided on my credit report and it was disconnected. So I found a number online and called and they was rude and disrespectful. I told them it was Identity theft and it was not my bill and they said if I don't pay I will be arrested and put in jail for a long time. Also said they would make my credit worse. This company should not have access to my personal information according to the U.S Constitution I am protected from identity theft and no one has authority to have my personal information unless I personally authorize them. And as of the past 10 years I haven't had any bills in my name that is accurate. Today XX/XX/year> approximately XXXX Central time. I want this company shut down and stopped. I'm sure I'm not the only one they are doing this to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
We pay our credit card each month twice a month have been doing this for XXXX years, always keeping the account current. For the last XXXX months, we received XXXX interest charges for which they had no explanation as to why we were being charged these interest charges. They credited our account for those XXXX, however, now they are reporting that they can't credit our account again because of the previous credits for interest that they said they couldn't explain why the system charged the account. This month, again, even though their system showed we had a balance due of XXXX and a statement balance of XXXX, and paid the card in entirely on XX/XX/year> when the payment due date was XX/XX/year>, we received another interest charge of XXXX on XX/XX/year>. I have a screenshot that was taken on XX/XX/year> that stated we had no payment due.

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 2025-12-22 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: GA

Complaint narrative:
As per 15usc 1611 Experian TransUnion and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc Better Business Bureau. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc XXXXXXXX XXXX XXXXXXXX. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
PRESTIGE FINANCIAL SVC is falsely reporting on my credit. I have never had any accounts with them. Per my research PRESTIGE FINANCIAL SVC 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 2025-12-22 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:
I am disputing the accuracy of the following accounts on my Equifax credit report. These accounts are incorrectly reported and need to be investigated for accuracy. 

CHARGED OFF ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$220.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$3300.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$520.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1200.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$420.00} LATE PAYMENTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation