vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MI

Complaint narrative:
Chime Violating Regulation E by Refusing to Investigate Disputed Charges Chime Financial , Inc. 

Issue : Incorrect charges or transactions Details : I am filing this complaint because Chime is refusing to investigate disputed charges on my account, in violation of Regulation E ( Electronic Funds Transfer Act ).

Specifically, Chime is requiring me to contact the merchant before they will initiate an investigation. This is illegal. Under 12 CFR 1005.11 ( b ) ( 1 ), a financial institution must begin investigating upon receiving notice from the consumer.

Chime has not provided provisional credit within 10 business days, and my account is currently in negative balance due to their delay. 
I have formally requested that Chime investigate these duplicate charges and issue provisional credit, but they continue to stall and deflect responsibility. 
I am attaching copies of all communications with Chime showing their refusal to comply. 
I request that the CFPB instruct Chime to immediately comply with Regulation E, initiate the dispute investigation, and issue provisional credit as required by law. 


Attachments : - Screenshots or PDFs of Chime messages

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc.
State: CA

Complaint narrative:
The company Unifin calls me every day from different alternating phones phone numbers about a debt ( I do not owe any debts or past dues ) and leaves a robo-auto message. Some of the numbers theyve called me from are XXXX and XXXX. I have tried to block their various phone numbers through my provider but then they call me through different ones.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I have been having an ongoing problem with my student loan payments processing through Mohela. My account is always XXXX or more months behind in spite of my paying each and every month. I call, and I write Mohela, and I provide proof. A ticket is opened. The matter does not seem to ever be resolved. In the meantime my credit is poor, despite paying my bills each month.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Climb Credit Inc.
State: FL

Complaint narrative:
I got a student loan from XXXX XXXX, for attending the online school Devslopes. The XXXX XXXX XXXX announced the closing of the school on XX/XX/year>. The announcement advised students to contact lenders to discuss repayment concerns, and I have already reached out to Climb Credit with a formal request to dissolve my loan based on the closure of services. They told me that the school is responsible for the refund. So we are being told to contact the other party by the other party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
I am submitting this formal complaint regarding multiple inaccuracies and unauthorized entries that are currently being reported on my credit report. Despite having previously disputed these items, they remain unresolved and continue to negatively affect my credit profile. I respectfully request your immediate attention to this matter to ensure a fair resolution.. Inaccurate Late Closed Account Reporting : The XXXX  XXXX XXXX account is listed as a late closed account with a balance of {$0.00}. This reporting is incorrect and misleading, as the account should no longer affect my credit report. 
XXXX XXXX XXXX Balance Owed : {$0.00} Unauthorized Credit Inquiries : I have discovered several unauthorized credit inquiries on my report that were made without my consent, which violates my rights under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ). The following inquiries were made without my authorization : Inquiries Included in Dispute ( XX/XX/XXXX XX/XX/XXXX ) : XXXX CREDIT/COLONIAL DO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK, XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX CAPITAL XXXX AUTO FIN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX New XXXX Included in Dispute ( XX/XX/XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Additional XXXX Included in Dispute ( XX/XX/XXXX ) : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries should be investigated and removed from my credit report immediately.Inaccurate Reporting of Charge-Off Account : The XXXX XXXX * account is reported as a charged-off account with a {$0.00} balance. This account should be investigated, and if found inaccurate, it should be removed.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am reaching out to request your assistance in resolving this issue. The accounts in question were not authorized by me and appear fraudulent. Documentation has been provided.

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: 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: TX

Complaint narrative:
I am a victim of identity theft. I discovered a fraudulent account entry on my credit report that I did not authorize, open, or file. I submitted disputes with the credit reporting agencies months ago regarding the following : -XXXX  XXXX XXXX I provided proper identification, documentation, and in some cases, an FTC XXXX Theft Report and/or police report. Despite this account remain on my credit report with no proper resolution or verification. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 1681i Failure to reinvestigate and correct disputed items FCRA 1681c-2 ( 605B ) Failure to block fraudulent information related to identity theft FCRA 1681e ( b ) Failure to ensure maximum possible accuracy

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 2025-11-07 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 am submitting this complaint because XXXX XXXX is reporting an account as Collection/Charge-off, which I believe is inaccurate and unverified under the Fair Credit Reporting Act ( FCRA ). 

Around XX/XX/year>, I discovered that this account appeared on my credit report showing a charged-off or collection status. I contacted XXXX XXXX to request verification and documentation supporting the accuracy of this reporting, including any proof of the original agreement or detailed payment records. 

However, the company did not provide sufficient evidence to validate the debt. Instead, they only indicated that the account was verified, without performing a proper investigation as required by law. This inaccurate reporting has caused harm to my XXXX XXXX and has affected my ability to qualify for new credit.

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 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I financed a XXXX XXXX XXXX through XXXX XXXX in XX/XX/XXXX. The original loan balance was {$12000.00} with a {$2000.00} down payment and monthly payments of {$440.00}. To date, I have made XXXX payments. 

In XXXX, my vehicle was declared a total loss. My insurance XXXX paid {$9400.00} directly to XXXX. Despite this, XXXX is claiming I still owe a deficiency balance of {$2400.00}. 

XXXX XXXX benefit calculation letter dated XX/XX/XXXX, shows the following : Balance at Date of Loss : {$11000.00} Less Insurance ( Actual Cash Value ) : {$9400.00} Added Missed Payments : {$3500.00} GAP Benefit : {$0.00} Balance Due : {$2400.00} This calculation is mathematically impossible and fraudulent. 

At the time of loss, the only payments that could have been past due were for XXXX and XX/XX/XXXX which total approximately {$890.00}. Instead, Westlake added {$3500.00} in so-called missed payments, which equals about 8 months of payments, far beyond what I could have owed.

By artificially inflating the missed payment balance, Westlake increased the deficiency by over {$2600.00}. This appears to be a false and deceptive accounting practice in violation of consumer protection laws. 

Additional concerns : 1. Failure to Apply Payments Fairly : Despite having paid nearly {$9000.00} before the loss, less than {$1000.00} has been applied to principal.

2. GAP Coverage Issues : Westlake claims GAP coverage pays nothing but has not provided a copy of the GAP contract to justify exclusions.

3. Predatory Loan Terms : The disproportionate application of payments to interest versus principal raises questions of predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
opened paypal account asked to summitted my info to start using them had funds in my account then all of a sudden they put a freeze on my account claming i sent someone money and with holding my funds for XXXX  days which i never sent anyone money have had issues in the past with paypal always closing my account need this resolved immendentlly here is my email address for my paypal account its XXXX XXXX

Company response to consumer: Closed with explanation
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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I disputed XXXX derogatory accounts listed on my credit report with this collection agency listed. On XX/XX/year> I sent them a written dispute letter and request them to investigate the validity of the accounts, provide me with proof of my ownership or correct the inaccurate information. 


After no response, on XX/XX/year>, I sent a second request for an investigation into the validity of these accounts. 

In response, the collection agency sent a one-page letter that contained my name and a balance owed but no further supporting documentation. 

On XX/XX/year> I sent another written request for a signed application or agreement bearing my signature, and a complete account history and billing statements showing charges and payments. I requested that if they were unable to provide full verification, they immediately cease all collection activity on the XXXX accounts and remove any reporting of these accounts from all consumer reporting agencies in which they had furnished data. 

I have received no further response from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
They told me that I should talk to several of their team members about my problem because they were telling me that I was giving them information that was too much such as my savings account and last XXXX of my social along with my date of birth and home address. They have also a website where they could record and upload information for me to sign along with a picture of my drivers license and all. After they asked me for my information the asked me to upload my identification card on both sides through a team app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/year> Source Receivables Management , LLC XXXX : Compliance / Validation Department XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX : Debt Validation Request under 15 U.S.C. 1692g Cease Collection Pending Verification Dear Source Receivables Management, I am contacting you regarding an account you are attempting to collect on behalf of XXXX XXXX which now appears on my credit report. This letter is a formal request for full debt validation and verification pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

This notice is not a refusal to pay but a lawful demand that you verify the alleged obligation before engaging in any collection or reporting activity. Until you provide written verification, you are not authorized to continue any collection efforts, including calls, letters, or reporting to the credit bureaus.

Required Documentation 1. The name and address of the original creditor XXXX XXXX XXXX  
2. The exact amount of the alleged debt, with a full itemization of principal, interest, fees, and any added charges.

3. Proof that I am legally obligated for this debt such as a signed contract or service agreement from XXXX, or complete account statements showing how the balance was determined. 
4. Documentation establishing that Source Receivables Management is legally authorized to collect this debt, or proof of assignment/sale from XXXX. 
5. The date of last payment and confirmation that the debt is within the applicable statute of limitations for collection in my state.

Under 15 U.S.C. 1692g ( b ), all collection and reporting activities must stop until verification is provided. If you continue reporting this debt to XXXX XXXX XXXX XXXX without first validating it, you will be in violation of the FDCPA and FCRA. 

If you can not validate this account within the statutory time frame, you are required to immediately delete or request deletion of this item from all credit bureaus and cease all further collection activity. 

Please send your written response and all requested documents to the mailing address above. Telephone contact is not authorized. 

Sincerely, [ Your Signature ]

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: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief