vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
Kia Finance of America. I paid the remaining payoff balance for a XXXX XXXX XXXX of {$3900.00} on XX/XX/XXXX. I requested the title on the website, it was not received. I called on XX/XX/XXXX requesting the title and was told it was not released properly and a ticket would be placed with the title department. I received a ticket confirmation number and told it would be processed on XXXX business days. A title was not received. I called again on XX/XX/XXXX requesting the title again. Was told it was not released properly, another ticket would be sent to the title department. A title was not received. I did receive a letter that stayed the car was paid off and the XXXX was removed. I traded the car to XXXX on XX/XX/XXXX. At this time, I signed a title transfer form for the state. The dealership called on XX/XX/XXXX to tell me the state does not have the title in their possession and that the bank won't release it. The bank being Kia Finance of America. I called Kia Finance once again on XX/XX/XXXX requesting the title. I was told the title was not released properly and another ticket will be sent to the title department. I requested to speak with someone from the title department to gain clarification and was told they don't have a number to transfer to. The car has been paid off since XX/XX/XXXX and I still do not have a title.

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 2025-11-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Climb Credit Inc.
State: OH

Complaint narrative:
I was attending XXXX XXXX XXXX for less than XXXX XXXX and the school closed suddenly in XXXX of 2025. I financed the education threw Climb Credit. And since the school has shut down, that would breach the signed agreement for lifetime access to web mentorship, quizes, lessons, and more from the school. Also, in the response on my last complaint against Climb, they state that I should reach out to the school directly, which I have sent them ( XXXX ) multiple emails with the Climb team attached. To which there has been no response from the school what so ever. Under the FTC Holder Rule ( 16 CFR 433 ) and federal consumer credit protections, when a school shuts down and stops providing the program financed, the lender can not force students to chase the closed school for refunds. Which they ( Climb ) clearly state in their response. Climb also has admitted to ending their partnership with XXXX in XXXX of 2025 because of a breach of contract and are now perusing XXXX. I do not want to pay the loan as I am not getting the services that were financed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
Here is what happened I am writing to report unauthorized transactions on my Chime account and seek assistance with Chime 's repeated denial of my disputes without explanation. On XX/XX/year>, I noticed unauthorized transactions made by XXXX on my Chime account, as follows : XX/XX/year> : {$370.00} XX/XX/year> : {$100.00} XX/XX/year> : {$100.00} XX/XX/year> : {$200.00} XXXX XXXX : {$190.00} XXXX immediately contacted Chime on XX/XX/year>, to report these unauthorized transactions. Chime denied my dispute on XX/XX/year>, without providing any explanation. I escalated issue for review on XX/XX/year>, but the dispute was denied again. On XX/XX/year>, I requested another escalation, and Chime denied it on XX/XX/year>, again without any response or explanation. I have evidence supporting my claim, including a police report and a notarized affidavit documenting the theft of my cards and phone, which led to unauthorized access to my Chime account. I also took immediate action by changing my email and Chime account passwords to secure my account. I am requesting your assistance in investigating Chime 's handling of my dispute and ensuring a fair resolution for these unauthorized transactions totaling {$960.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: MA

Complaint narrative:
I am a consumer actively working to resolve inaccurate information on my credit report. Below are the accounts that I am disputing, categorized by each credit bureau. I respectfully request that the disputed information be investigated and corrected as per the Fair Credit Reporting Act ( FCRA ) Charged Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Inquiries XXXX Date of Inquiry : XX/XX/XXXX Late Payment XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-06 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: NC

Complaint narrative:
I am writing to dispute the following items on my credit report. Below, I have separated the disputes by bureau. 

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 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 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 2025-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
This debt collection company has been threatening and harassing me over the phone stating they will have someone come pick up my belonging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: OH

Complaint narrative:
To Whom It May Concern, This complaint is being filed against Experian for failing to properly investigate and remove clearly unauthorized and fraudulent accounts, despite receiving multiple submissions of verified documentation proving identity theft and confirming the filers identity. 

Experian has previously removed certain fraudulent accounts after the individual submitted a complete identity theft report, proof of address, and a government-issued photo ID. However, Experian has refused to remove the following unauthorized accounts, which continue to appear on the credit report even though they were not opened or authorized by the individual : - DEPT OF EDXXXXXXXX  {$2300.00} - DEPT OF ED/XXXX {$6300.00} - DEPT OF ED/XXXX {$6600.00} These accounts are the result of identity theft. The individual has no relationship with Dept of EdXXXX or any associated servicer. All relevant evidence has already been uploaded to Experian through its dispute process, including : - FTC Identity Theft Report - Proof of current address - Government-issued photo ID Despite Experian acknowledging receipt of these documents in prior disputes and removing other fraudulent accounts during the same review, they are now repeatedly requesting the same information that has already been provided multiple times. This redundant documentation demand appears to be a tactic to delay corrective action, rather than a legitimate need for verification. 

This failure to remove known fraudulent accounts after receiving valid identity theft documentation is a violation of the Fair Credit Reporting Act ( FCRA ), including Sections 605B and 611, which require consumer reporting agencies to block or delete fraudulent information within four business days of receiving appropriate proof of identity theft. 

The filer is requesting that the Consumer Financial Protection Bureau intervene to ensure Experian complies with the FCRA and immediately removes the unauthorized DEPT OF ED/XXXX accounts. The filer also requests written confirmation once the fraudulent accounts have been permanently deleted from the Experian credit file.

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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MI

Complaint narrative:
Chime closed my account and was supposed to send me a check and never did

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mintex Inc.
State: IL

Complaint narrative:
On XXXX XXXX and XXXX XXXX, a claim was made against XXXX XXXX XXXX for parking tickets. This claim was not validated, nor is it legal. The account was turned over to the debt collectors, whom have assumed the claim is valid by taking funds out XXXX XXXX XXXX check. I have sent over documents to the debt collectors, requesting proof of their claim. I have requested validation of the debt and the written agreement for the assignment. The total amount of the claim is {$800.00}. A copy of the document sent to the debt collector ( XXXX ) will be attached.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
I am requesting that the CFPB investigate and ensure these items are corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Subject : Dispute of Charged-Off Account, Unauthorized Inquiries, and Late Payment Reporting XXXX. Charged-Off Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$0.00} I am disputing this charge-off entry. I believe this information is inaccurate or can not be properly verified. 
Please reinvestigate this account with the furnisher and remove it if verification can not be provided. 

XXXX. Unauthorized or Questionable Inquiries XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX do not recall authorizing these inquiries. Please verify that a permissible purpose exists under FCRA 604 ( a ) for each one.

If documentation showing my consent or application is not available, please remove these inquiries from my Experian file. 

XXXX. Late Payment Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account appears to have a late payment that I believe is being reported in error. 
Please confirm the accuracy of this information with the creditor and remove any unverifiable or incorrect payment data.

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 2025-11-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My father passed away in XX/XX/year>. The {$30000.00} auto loan was solely in his name with Regional Acceptance Corporation. On XX/XX/year>, XXXX threatened immediate repossession and demanded full {$30000.00} payoff, refusing to allow surviving-spouse assumption under Georgia law O.C.G.A. 10-1-36.1. 
I ( daughter speaking for my mother ) called RAC at XXXX on XX/XX/year> and was told full payoff is required. 
Today, XX/XX/year>, we faxed a notarized spousal-election affidavit and XXXX hardship request ( fax confirmation attached ) to XXXX and mailed certified copies to Truist XXXX, Mail XXXX XXXX, XXXX, VA. 
RAC continues to threaten to seize the vehicle despite Georgia law. We are waiting on life-insurance and employer death benefits ( expected XX/XX/year> ) to cure back payments only. 
Demand immediate forbearance, loan assumption in my mothers name, and lien release mailed to 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 2025-11-06 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: SC

Complaint narrative:
As per 15usc 1611 XXXX  TransUnion and XXXX  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 Credit and Insurance. 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 non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
Loan Forgiveness Request Regarding InfiLaws Predatory Practices Arizona Summit Law School To Whom It May Concern, I am writing to request reconsideration of my student loan debt related to my attendance at Arizona XXXX XXXX XXXX, which was operated by XXXX XXXX. The school engaged in predatory and unethical practices that targeted vulnerable students like myself. 

XXXX  XXXX actively recruited applicants with low LSAT scores, learning XXXX, and strong aspirations to practice law, promising us an opportunity to succeed through additional entrance exams and support programs. However, once enrolled, the school failed to provide the legally required academic accommodations for students with XXXX and violated its own student handbook and ABA standards. 

When the schools bar passage rates declined, administrators began implementing punitive and discriminatory measures against students, including : Placing students on extended academic probation without due process; Denying accommodations guaranteed by law ; Expelling students just months before graduation often described internally as thinning the herd in an effort to artificially raise bar passage rates ; and Offering payments to graduates not to sit for the bar exam, to further manipulate statistical outcomes. 

Ultimately, XXXX  XXXX XXXX XXXX lost its ABA accreditation and was permanently closed, as were its sister institutions, XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX XXXX, both operated by XXXX. These closures confirm a pattern of systemic misconduct and financial exploitation. 

Given these circumstances, I should not be held responsible for repaying federal student loans obtained under false pretenses and predatory practices. XXXX actions defrauded students, violated federal education standards, and directly caused the financial and emotional harm we now bear. 

As I have documented proof of the schools recruitment practices, academic discrimination, and closure, I respectfully request full loan discharge under the XXXX XXXX XXXX  XXXX program. 

You can not teach the law and simultaneously break it. Students who placed their trust in this institution deserve justice and relief from debts incurred through deception. 

Respectfully, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-11-06 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: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EA Holdings Corp.
State: IL

Complaint narrative:
I am writing to formally request that you cease and desist all communication with me regarding the debt associated with XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request that you stop all contact with me about this matter. As of this letter, you are to immediately stop all phone calls, letters, emails, and any other form of communication, including any attempts to collect the alleged debt. Please be aware that this is a formal request and I am exercising my rights under the FDCPA to stop any further harassment or unwanted communication. In accordance with the law, you are still permitted to contact me to inform me of the following : Whether or not you intend to take legal action against me ; or that you are no longer attempting to collect the debt. If you fail to comply with this request, I will consider further action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or taking legal action. Please confirm in writing within 30 days of receipt of this letter that you will comply with my request and discontinue all communication regarding this matter. Thank you for your attention to this important matter.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is completely unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm.

Company response to consumer: Closed with explanation