vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: CA

Complaint narrative:
XXXX services my LakeView mortgage. They removed my online access and I can not get through to their customer service line, each time I call its disconnected. They have no email listed for customer communications. I do not receive paper statements in the mail because of the preferences I have set. I have no way of accessing or managing my mortgage. I can not submit my payment and Im concerned it will negatively reflect on my account history as well as on my credit report, .The only phone number I have is for the insurance department, I called them twice in an attempt to be transferred directly to customer service, but they were also not able to connect me and notated my account about the issue. They do not answer their phone, there is no email address listed, and they removed my online access. The only communication I have is via mail, I have sent them two letters to different communication addresses but no response. 
Lakeview subserviced by XXXX XXXX XXXX XXXX Virginia XXXX, VA XXXX XXXX I also included details with the payment I sent but there was again no response XXXX XXXX XXXX XXXX City of Industry, CA XXXX Since I am not able to submit a payment online as I have for the past two years nor can I call and make a payment I am concerned that my mortgage will fall into a delinquent status. I mailed my payment XX/XX/XXXX, but with a federal holiday on XX/XX/XXXX, that will cause additional delays. I have made several attempts to submit my payment in a timely fashion, but the circumstances are outside of my control. Can you please assist with getting access to my mortgage account so I can manage my loan and submit payments? Loan # 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 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was scammed by a person impersonating a XXXX  XXXX regarding my dads funeral. I sent the person money and the person stole it on XX/XX/year>. I contacted the police department and reported fraud. Wells Fargo is refusing to reimburse my money because they can not get in contact with the merchant. Even though it was fraud by deception.

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 2025-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MD

Complaint narrative:
XX/XX/year> {$680.00} scam on chime account. I was told by a chime representative that I know now was a scammer and they made me lock my cards and send that person money told me that when I send the funds it would lift my block on my account and the money would be sent right back told me to make the transaction say XXXX for XXXX transaction and that it will come straight back into my account and it never did I messaged the person who I sent it to the person do not have an actual profile or anything on chime I have screenshots that the person claimed the money I also sent the person a message saying that I will report you if you do not return my funds and no response and chime service is not helping

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: AR

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 TILA US Code 1666B 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 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have found late payment entries on my credit report that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, all information reported must be accurate, complete, and verifiable. I am requesting that these late payments be investigated, and if verification is not possible, they should be corrected or deleted.

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 2025-10-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: AR

Complaint narrative:
So I went out too a club few days prior to this I lost my phone and wallet in the club reported it to the mgr that night at closing she said she will keep me informed if anything was returned I went two days no phone wallet anything had to wait to get my stuff Monday well that week I was in the process of getting a new phone mind yall its nothing for a hacker to get into your stuff or a person that steals well I had XXXX deposited in my account from my mom for half the down payment for my new car when I got my new phone signed into my my money was missing I tried to report this get it back chime refused chime is the worst bank ever Ive been 30 days without having my problem fixed Ive even emailed the news and told XXXX I used every platform to beware folks of this matter help me get my money back they are scamming people Im not the only victim that is talking about this its all over the internet people funds are being tooken out they account chime is doing nothing to protect or give us our money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: GA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: AZ

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 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 2025-10-13 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: EQUIFAX, INC.
State: GA

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 Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00}

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 explanation
Consumer complaint received 2025-10-13 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: CA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 2025

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 2025-10-13 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:
Subject : Formal Dispute Inaccurate Late Payment Reporting on Closed Account / Request for Deletion To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading reporting of a closed account that continues to show late payment status on my Equifax credit report. According to the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 607 ( B ), and 611, all information furnished to consumer reporting agencies must be accurate, complete, and verifiable.

This account has been closed and should not continue to reflect late payments or delinquency. Reporting late payment activity on an account that is no longer open or active is both inaccurate and unlawful. Such reporting misrepresents my credit history, creates a false impression of ongoing delinquency, and damages my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: DriveTime
State: GA

Complaint narrative:
DriveTime Application Incident * * Complaint Category : * * Auto loan or lease Problem with dealer DriveTime XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of What Happened : XXXX XXXX  On XX/XX/2025, I visited DriveTime of XXXX XXXX and completed an application for a vehicle. The sales agent, XXXX, refused to provide or shred my application after I requested it back. He placed it in a green box without my consent. I was never offered or told about the zero-down payment option and was only shown options requiring {$11000.00}, {$3800.00}, or {$1200.00} down. This violates the XXXX in XXXX Acts disclosure requirements. 

I immediately withdrew my consent and asked for my application to be retracted and destroyed, but DriveTime refused. I am concerned that they may still process, sell, or securitize my information. I am requesting CFPB assistance to ensure DriveTime retracts my application, destroys all copies, and removes the hard credit inquiry from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On Saturday, while I was out of town I received a ding from one of my credit monitoring services informing me that I had two hard inquiries on my record. I checked my credit report and found that a hard inquiry was done by : 1 ). XXXX XXXX XXXX ( XXXX ) XXXX 2 ). Wells Fargo Auto ( XXXX ) XXXX The first thing that I did when I got home on Sunday was to put a freeze on my credit with all 3 credit bureaus and then I did a Fraud Alert with XXXX. Anyways, come to find out that both inquiries are from the same dealership. So when I called them this morning XX/XX/year>, at first the man said that he couldn't find anything in his system but when I mentioned Wells Fargo Auto he put me on hold and minutes later he came back and stated that his other store located in XXXX, OH was the one that ran the credit check. So the man had the Manager from the other store to contact me, When this guy contacted me back, he stated that he felt something was right so they cancelled the transaction of this person applying for the loan. Which was good but my credit report had already taken a hit from them running my ssn #. I explained that I'm grateful for his quick decision making because all of this was a fraudulent transaction. I asked if he had any information regarding to this guy that he could give me and he stated that he destroyed any and all evidence pertaining to that person who tried to commit this fraudulent activity. So when I asked if they could submit something to the credit bureaus regarding these inquiries he stated that I would have to contact the credit agencies myself. I then proceeded to contact XXXX  regarding this matter and then I was told to contact you guys, so here I am! These hard inquiries put a ding on my credit that I've been working hard on rebuilding. I would like to dispute them and have them removed from my credit report please!

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Checkr, Inc
State: NC

Complaint narrative:
Checkr provided an inaccurate background report that included false information. I disputed the report., and while it was eventually corrected. I lost wages and employment opportunities in the meantime. This has caused financial harm, emotional distress and reputational damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The following claims about me were not reported correctly and do not meet federal requirements. I am challenging these claims and asking for proof that the proper reporting standards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$480.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$480.00} ( Original Creditor : XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX XXXX  Balance {$370.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$240.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$150.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$420.00}

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 explanation
Consumer complaint received 2025-10-13 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: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA XXXX & XXXX, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation I AM PREPARED FOR LITIGATION It also states a consumer reporting agency can not furnish a account without my written instructions the accounts do not belong to me and I did not authorize anyone to furnish such accounts.

I also dispute the following hard inquiries on my credit report. Under the FCRA, section 611 ( 15 USC 1681i ), unverified inquiries must be removed. PLEASE INVESTIGATE AND REMOVE ANY UNVERIFIABLE INQUIRIES. A LIST OF ALL INQUIRIES UNUATHORIZED BY MYSELF, OLNY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: FL

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation I AM PREPARED FOR LITIGATION It also states a consumer reporting agency can not furnish a account without my written instructions the accounts do not belong to me and I did not authorize anyone to furnish such accounts.

I also dispute the following hard inquiries on my credit report. Under the FCRA, section 611 ( 15 USC 1681i ), unverified inquiries must be removed. PLEASE INVESTIGATE AND REMOVE ANY UNVERIFIABLE INQUIRIES. A LIST OF ALL INQUIRIES UNUATHORIZED BY MYSELF, OLNY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief