vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDispute2025 $ you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2026-05-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDispute2025 $ you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Several months ago, when my Citi XXXX XXXX XXXX credit card account was in good standing and current, I contacted customer service requesting assistance with lowering my interest rate due to financial hardship. The representative told me I did not qualify for any hardship or forbearance assistance because I had not yet missed a payment. They advised me to miss a due date and then contact Citi again to qualify. I followed this guidance. As a result, the account became past due. Over the following months, I contacted Citi multiple times by both phone and chat, repeatedly requesting a lower interest rate and a reasonable repayment plan. Each time I asked to speak with a supervisor or escalate the issue, I was given a phone number labeled as the supervisor line. However, when I called that number, the person who answered was not a supervisor. I asked to escalate again, but was still not connected to a supervisor. Instead, I was repeatedly asked the same questions and transferred back and forth between different departments ( including debt collection, customer service, and the payment/hardship department ) with no resolution. I was repeatedly told that a letter or email with available options would be sent to me, but I never received any written information. In the most recent contact, when I again requested escalation to a supervisor, I was told to wait XXXX business days for a supervisor to call me back. On the most recent chat with the Payment/Hardship Department , the account was 35 days past due with a total due plus over-limit amount of {$1600.00}. The representative offered only XXXX options : Short-term plan : {$620.00} per month for 6 months ( interest and late fees may continue ). Long-term plan : {$220.00} per month for 60 months at 0 % interest with no late fees, but the account must be permanently closed. I explained that I could not afford the short-term payment and that permanently closing the account would significantly harm my credit utilization. I requested a 0 % interest repayment plan without closing the account, but was told this was not possible. The repeated misleading guidance, false escalations, endless department transfers, and long delays have caused the account to remain past due, allowed high interest to continue accruing, wasted a large amount of my time, further damaged my credit, and made my financial situation much more difficult.

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Revco Management, LLC
State: MO

Complaint narrative:
I am disputing unauthorized debts being collected by Revco XXXX on behalf of XXXX XXXX XXXX, accounts XXXX. I never authorized these debts, signed no contracts, and have had no relationship with these creditors. Despite this, Revco XXXX has attempted to collect these amounts, causing severe emotional distress, XXXX, fear, and disruption to my daily life. Their actions violate the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g, 1692e ) by attempting to collect debts without proper validation, threatening legal action, and engaging in harassment. They also violate the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i, 1681s-2 ) by failing to verify the alleged debts in a legally compliant manner. Collecting or attempting to collect these debts without providing proper verification is unlawful and constitutes willful harassment. I demand that all collection efforts stop immediately until full verification is provided, including original signed contracts bearing my wet signature, a detailed accounting of all charges, and the name and address of the original creditor. I request a thorough investigation by the CFPB into Revco Solutions practices and seek resolution to permanently remove these unauthorized debts. I expect prompt action to protect my legal rights, prevent further harassment, and ensure I am no longer subjected to unlawful collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I waXXXX XXXX from XX/XX/XXXX til XX/XX/XXXX and on XX/XX/XXXX went to a XXXX program and was released on XX/XX/XXXX. During the times I was gone money have been transferred in and out of my account from my savings to the available account to send money to and from people I know and dont know. Both facilities dont allow you to have access to your personal phones. So I dont know how money was coming out of my account. I didnt authorize these transactions I disputed them with chime I provided them documentations stating I didnt have my phone and wasnt allowed to have access to my phone. I am filing this complaint against Chime ( The XXXX XXXX XXXX XXXX XXXX XXXX. ) regarding their failure to properly investigate and resolve an unauthorized transaction dispute totaling {$9900.00}. From XXXX I discovered an unauthorized charge of {$9900.00} on my Chime account that I did not authorize or initiate. I immediately reported this fraudulent transaction to Chime and filed a formal dispute. Chime denied my dispute without providing a sufficient explanation or conducting what appears to be a reasonable investigation, as required under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Under Regulation E, I am entitled to provisional credit within XXXX business days while the dispute is investigated, and the bank is required to conduct a good-faith investigation. Chime failed to : XXXX. Provide me with adequate written explanation for the denial XXXX. Conduct a thorough investigation of the unauthorized transaction 3. Apply provisional credit during the investigation period 4. Resolve the dispute in accordance with Regulation E requirements This {$9900.00} represents a significant financial loss caused by fraud that I did not authorize. Chimes refusal to properly investigate and reverse this charge has caused me serious financial harm. I am requesting that the CFPB : Investigate Chimes dispute resolution practices Require Chime to re-investigate my dispute in compliance with Regulation E Require Chime to refund the full {$9900.00} in unauthorized charges I have attempted to resolve this directly with Chime without success and am now seeking regulatory intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Payday loan 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: CNG FINANCIAL CORPORATION
State: AL

Complaint narrative:
This company contacted me XX/XX/XXXX with a voicemail that a XXXX XXXX XXXX would be issued for me in XXXX XXXX for defaulting on a loan that occurred during my wifes XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I had not been able to make payments so I guess it went to this company i called back, scheduled a payment, and then had a bill come out and the first payment declined. I tried to contact them on Sunday but I couldnt. I have email screenshots and dates from then. I dont have any other communications from them besides the phone which were recorded and can be provided if necessary. XXXX was otherwise very pleasant until i said I was struggling to pay a third time. I scheduled another one they tried to withdraw the payment early, before the agreed upon date in contract. I didnt have my direct deposit yet and my bank marked it as fraud because it came from a sketchy provider. I scheduled another payment but my funds had not arrived so it declined. I tried to call back today ( XX/XX/XXXX ) to speak to XXXX to see if I could pay on Friday XX/XX/XXXX and she threatened a lien on my car, a misdemeanor, and suspending my license if I did not make a payment today. When I mentioned my attorney she got rude and said theres nothing she can do for me. I have been overly communicative. I want to make it right. Times are tough and I can only afford so much at certain times. She made it very clear that legal action would be pursued, a license suspension would happen and they would repossess my car, it was not a secured loan. They tried to take money out on a day that was not scheduled, when I didnt have funds in my account. I tried to offer a payment of good faith of XXXX dollars on Friday XX/XX/XXXX even though it wasnt much I wanted to show my willingness but she said no she wanted more. Again, on Monday, I had bills come out and wasnt able to pay manually. She told me I needed to prioritize it over my family. I called my attorney. My attorney told me to stop all contact and allow it to go to court and bring financial paperwork to court to work out a payment plan. They are predatory and liars and breaking consumer collection rules. I am well aware I owe a debt. I am not trying to not pay. I need them to be reasonable and open to a new parent navigating past mistakes and new expenses

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I consistently receive credit card offers from Capital One despite multiple calls to ask them to take me off their mailing list and to cease mailing any promotional offers or mail of the sort to anyone listed at my address. I called them last on XX/XX/26 at XXXX PST. Each time, whoever I speak to agrees to take me off the mailing list. Since that last phone call, I have received 2-4 credit card offers. It's a waste of precious materials, time, and resources to come up with, create, mail out, deliver, retrieve, and open offers just to find another silly advert. I reject being a part of that wasteful cycle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I have been trying to revive funds from my unemployment debit card since XX/XX/XXXX ( XX/XX/XXXX ) and I have tried to get a replacement card and do direct deposit and Ive only been getting an automated response and no a live representative, the XXXX customer service has just been putting me on hold and giving me false phone numbers for money network just so they dont have to deal with me I have over XXXX XXXX dollars I cant pay bill and I am in debt for not being able to pay my bills and this has been very frustrating for me it is not mayXX/XX/XXXX ( XX/XX/XXXX ) and I still have no money, no replacement card and havent been able to speak to a live representative for XXXX and money network

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I shop at a business at least once a month and charge my debit card every time. I have always known there was a transaction fee, but was never told it was also treated as an ATM. This place of business has an ATM and if I had known this I would just use it. XXXX has been charging me now once a month when I purchase, {$3.00} each time for a non-Chase ATM withdrawal. They refused to waive the last XXXX months claiming they can only waive it once.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Marketing or disclosure issues
Company: Goal Structured Solutions, LLC
State: NJ

Complaint narrative:
I started a XXXX XXXX XXXX XXXX XXXX ( loan is through XXXX XXXX who are also at fault ) under the impression that I would easily find a job afterwards and would not have to repay my loan until I was making {$50000.00} a year. I am now XXXX years out from completing the bootcamp, and have had XXXX luck. I have had to defer the loan this whole time because apparently I was expected to {$700.00} a month from the second I graduated, and then if I did not find a job they would pay it back. But only if you logged every single email sent, job applied to, interview had, etc. and you had to do a certain amount per week. It was impossible expectations while working full time to pay bills, and very misleading outcome promises. They made it sound like their graduates found jobs easily, which is clearly not true. I applied to XXXX web development jobs of all types, and got XXXX interview total. They also are impossible to get in contact with, they do not answer emails, there is no phone number, and they have been sued multiple times. My credit score is now dropping XXXX points because I am delinquent, and I owe $ XXXX for a degree that got me nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
" America First Credit Union ( AFCU ) illegally withheld {$930.00} from my auto loan payment refunds. The dealership sold me a car with an undisclosed branded title on XX/XX/XXXX XXXX months later, AFCU discovered the brand, rejected the title, and refused to finance the vehicle. The dealership rightfully paid off the entire principal balance to close the account. ( {$34000.00} ) Because the loan was unperfected and rejected by AFCU on XX/XX/XXXX, due to dealer title fraud, the loan contract was invalid from inception. I was entitled to a full refund of the XXXX monthly payments I made. ( {$2800.00} ) Instead, AFCU seized {$930.00} from my refund to cover unearned interest on a loan they refused to finance. I demand a full reimbursement of my {$930.00}. I called customer service XXXX ( XXXX ) different times to resolve this. Never received a call back and they kept telling me they had to get ahold of the loan department and they would call me back. On the third call they transferred me finally to the loan department. It did no good because the lady I talked to said she was going to have to do more research. Because it was confusing. When she didn't call me back I went to the credit union. Waited XXXX minutes to finally see a supervisor and she was the worst. She said that because it was an open loan for those 5 months that interest had to be paid on it. So I tried to explain to her that XXXX got their vehicle, and the credit union received their money, and even though none of this was my fault I still have to pay. Then she said if I wanted to take this further I would just have to go XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
ive sent several notifications this is inaccutaret information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I noticed I was being charged by both the HELOC servicer ( Shellpoint ) and my primary mortgage holder for flood insurance. Flood insurance was not originally required on this property, but became effective XX/XX/year>. I purchased my own policy in XX/XX/year> when I became aware of the requirement. Shellpoint also took out a policy of their own, and said the effective date was XX/XX/year>. Even though I had coverage, they did not acknowledge that until XX/XX/year>, and claim I am being charged because the insurance company ( their own insurance company ) did not refund the policy to them, so they in turn, continue to charge me. So I am paying for 2 policys. They did admit that I should not be charged by both the primary mortgage holder ( XXXX XXXX ) and Shellpoint for the same reason. However, they are putting the onus on me to prove when FEMA declared the flood zone, whereas they had no problem purchasing a premium expensive policy for coverage when it wasn't even required by law, and continue to charge me for it, even for dates it was not required. Their answer was, 'well the insurance company never refunded us, so we will charge you. ' Also, the policy I purchased from XXXX XXXX was less than {$700.00} for the entire year, whereas the policy Shellpoint purchased was in excess of {$1500.00}, that they refuse to refund me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Good afternoon the problem isnt so much whether I owe the debt is the constant harassment text emails calling twice a day seven days a week violating my rights severely harassing me and this is the reason Im disputing this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity of theft and fraud. These accounts I have listed below have been deemed the following fraudulent account. I demanding these accounts be removed immediately. Per 15 usc 1681c-2 federal law under the Fair Credit Reporting Act ( FCRA ) that requires credit reporting agencies to block fraudulent information on your credit report that resulted from identity theft. XXXX XXXX XXXX XXXX Account number XXXX Date open XX/XX/XXXX High balance : XXXX Installment account!!! XXXX XXXX Acct number XXXX XXXX XX/XX/XXXX High balance XXXX XXXX!!! XXXX XXXX Account number XXXX Date open XX/XX/XXXX XXXX XXXX XXXX XXXX Account number - XXXX Date open XXXX High balance {$29000.00} Car loan!!! XXXX XXXX XXXX Account number XXXX Date open XXXX High balance - {$470.00} Credit card!!!! XXXX XXXX Account number XXXX XXXX XXXX Date open XXXX High balance {$240.00} Charge account!!! XXXX XXXX XXXX XXXX Account number XXXX Date open - XXXX High balance {$2000.00} Collection agency XXXX!!! XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX Date open XXXX High balance - {$790.00} Collection agency Charter communications!!!! DEPT OF ED / XXXX XXXX Date open XXXX High balance - {$1100.00} Student loan DEPT OF ED / XXXX XXXX Date open XXXX High balance XXXX Student loan DEPT OF ED / XXXX XXXX Date open XXXX High balance XXXX Student loan DEPT OF ED / XXXX XXXX Date open XXXX XXXX High balance XXXX Students loan DEPT OF ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date open XX/XX/XXXX High balance XXXX Student loan DEPT OF ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date open XX/XX/XXXX High balance XXXX Student loan DEPT OF ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date open XX/XX/XXXX High balance XXXX Student loan

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