vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
Intentionally using deceptive language when discussing payment terms, refusal to provide a written agreement to payment with terms. 
I called asking for an agreement " pay for deletion '' which means that once I pay the debt in full, they send a letter to the credit agencies requesting for that item on my credit report to be deleted. They told me they can send me no such agreement as it is not approved by their compliance team, but that they can tell me over the phone they will do that once I pay and that they can give me receipt numbers over the phone. I called about this same issue twice and have received the same basic answer, " we will do it but we will not provide it in writing '' and this is only so they are not legally bound to do so once payment is made, this is not conducting business in good faith and is a deceptive tactic used to damage the consumers reputation, and provide less work for the agency. They could just say that they will not send out a deletion letter but instead they deceive consumers to pay since they do not have the knowledge not to pay until that written agreement is made that is legally binding.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NH

Complaint narrative:
The student aid site crashed and submitted a false application to aid vantage. Aid vantage is not able to reverse the loan and processes a non approved loan. This loan is fraudulent so I need it fixed before the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
I had a close account from Chime 4 years ago I use the account to set up direct deposit for my employee once I got my paycheck I couldn't access my funds because chime locked it fast forward to the present day I opened up a new chime account and asked about my old time account which previous Representatives told me that chime had my money indeed and was supposed to send me a closure check that I've been waiting to get 2 months now every single time they act like they don't know where my money is just to tell me they will send it in 30 days it's been 1 months and I can't tell you how frustrating it is to be robbed and lied to constantly say after day I worked for that money and it mine they are committing theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I woke up and noticed a payment of {$920.00} posted to my Nordstrom XXXX Acct and I contacted them and found out it was a XX/XX/XXXXPayment, a phone/voice authorized payment that anyone can make by calling their toll free number and the money goes out of the account linked to the card, which is mine. It doesnt require a password or any other authorization as normal account access does. I googled Nordstrom XXXX payment and found out via XXXX that it is an authorized payment that drains peoples accounts from time to time. Nordstrom was not able to tell me who called in and how the payment was authorized but they were able to reverse it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section XXXX ( b ), which requires you to follow reasonable procedures 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 2025-11-24 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: TX

Complaint narrative:
I am formally challenging the listed accounts, as I have no connection to them and did not approve their creation. I request immediate deletion and a full review. Documentation accompanies this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: SC

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
CHARGED-OFF Accounts XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$4400.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$14000.00} XXXX XXXX XXXX XX/XX/XXXX {$230.00} XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$800.00} These accounts show conflicting dates, balances, and information when compared to Experian and XXXX. I am requesting a full verification or correction/removal if they can not be verified. 

INQUIRIES XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Some of these inquiries were not authorized by me, or I do not recognize them. Please verify their permissible purpose. 

LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These late payments may be incorrect. I request a reinvestigation and correction if they can not be validated accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX bill for XXXX I was sent an XXXX sim card and never used it but was XXXX for the sim card I would like for that to be removed from XXXX  and XXXX  reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I reported that the Rocket Mortgage website doesn't sign out and would allow an attacker to access a customer 's private information regarding mortgages, and loan information. I've had identity theft issues. I'm getting an unbelievable amount of phishing calls about loan applications. Their website will not sign out which presents an opportunity for a hacker to access my data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company 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 2025-11-24 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: MD

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The following items appear inaccurate or duplicated, and I am requesting an investigation. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXXXXXX XX/XX/XXXX {$53000.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} BANKRUPTCY XXXX XX/XX/XXXX {$0.00} INQUIRIES XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX LATE PAYMENTS XXXX XXXXXXXX XXXX XXXX XXXX XXXX/DOFED XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
On XX/XX/year> I made a payment to my friend through the cashapp portal of {$200.00}. I notified him that I sent him the money and he responded stating that he was unable to access that account with cashapp and he he has tried to call the customer service to regain access after hours and cashapp would not reset his password so he had to create another account. He needed the money so I went ahead and sent another {$200.00} to his new account which he was able to retreive. I contacted cashapp customer service phone number and explained the problem and asked for refund to the first account since they would not help him with access to his account and he could not access the money therefore I wanted it back. Cashapp declined my request. So I appealed their decision and they denied that request. I contacted my friend XXXX XXXX XXXX and asked him if he had any luck accessing his first account and he said no that he had spent several more hours on the phone and on their website but they refused to reset his password and essentially are blociking him from accessing his first account. I wrote cashapp customer service and told them what they are doing is illegal and if he has not acceppted the money they need to reimburse it to my card and they are stealing if they dont but they refused to refund my payment. So I am contacting my bank today and will dispute the transaction. But cashapp is committing securities fraud and they need to be shut down. The address I found for Cashapp is : Cash App XXXX  XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : * * Dispute of Debt and Garnishment Identity Theft Case * * FTC Report Number : XXXX XXXX XXXX I am writing to formally dispute the debt and garnishment claim currently associated with my name. This debt is the result of identity theft, and I do not owe any amount to XXXX XXXX XXXX. 

On XX/XX/year> I filed an * * Identity Theft Report * * with the Federal Trade Commission ( FTC ), report number XXXX XXXX XXXX XXXX XXXX and notified your office of this matter. Despite this, I have been informed that XXXX XXXX XXXX is continuing with garnishment proceedings against me. 

Under the * * Fair Debt Collection Practices Act ( FDCPA ) * * and the * * Fair Credit Reporting Act ( FCRA ) * *, you are required to cease all collection activities, including garnishment, on accounts that are the result of identity theft. Continuing to pursue this debt violates federal law. 

Enclosed are the following documents for your review : * Copy of FTC Identity Theft Report * \ [ Police Report, if available ] * Proof of identity I demand that XXXX XXXX XXXX : XXXX. Immediately stop all garnishment actions. 
XXXX. Provide written confirmation that this account has been closed and reported as fraudulent. 
XXXX. Remove any negative reporting related to this account from all credit bureaus. 

Failure to comply will result in further action, including complaints to the * * Consumer Financial Protection Bureau ( CFPB ) * * and potential legal remedies. 

Please confirm receipt of this letter and provide a written response within * * 30 days * * as required by law. 

Thank you for your prompt attention to this 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 2025-11-24 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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:
I am disputing the accounts listed below that appear on my TransUnion credit report. These accounts may contain inaccuracies and require verification and correction. 

Charged Off Accounts : XXXX XXXX XXXX, XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX CARD, XXXX, Date Opened : XX/XX/XXXX, Balance : {$97.00} Inquiries : XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the following items on my credit report. After thoroughly reviewing my credit file, I have identified discrepancies that require your attention. I request that these items be investigated and corrected accordingly. 

CHARGED-OFF ACCOUNTS : Account Name : XXXX CARD Account Number : XXXX Date Opened : XXXX Balance : {$0.00} Discrepancy : The account is inaccurately reported as charged-off with a balance of {$0.00}. Please verify and update this information INQUIRIES : Account Name : XXXXXXXX XXXX XXXXXXXX Date of Inquiry : XXXX LATE PAYMENTS : Account Name : XXXX XXXX BANK XXXX  Account Number : XXXX Discrepancy : The reported late payment is inaccurate or does not reflect my true payment history. Please investigate and correct this information.

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 2025-11-24 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: NY

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The inquiries shown on my report are unknown to me and seem unauthorized. I request that they be investigated and removed if found invalid. Please see the supporting files attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One sent out a credit card approval in my name to a different address without my permission. Im already a credit card holder with Capital One. This opens up the floor for someone committ fraud in my name. The address they sent it to was XXXX XXXX XXXX XXXX Ga XXXX. This is not my address and they should have my correct information because Im a credit card holder. 

My address is XXXX XXXX XXXX XXXXXXXX XXXX Ga XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
Issue : Improper dispute investigation / incorrect claim denial Company : Chime Product : Debit card Goods/Services Not as Described Claim ID : XXXX Claim Amount : {$120.00} I am filing a complaint regarding Chimes handling and denial of my dispute for merchandise that I did not receive as described. I purchased an item from a merchant and received the wrong item. The merchant refused to provide a return shipping label or any proper method to return the incorrect product. Because the item was not as described and the merchant refused to correct the issue, I filed a dispute with Chime. 

Despite providing all necessary details, Chime denied my dispute. In their denial letter, they stated that no error occurred but did not explain how they reached that conclusion. 

I then exercised my right to request all documentation used to determine the outcome of my dispute. Instead of providing any investigation notes, merchant communication, or supporting evidence, Chime sent me only the original dispute intake form the same form that I, the consumer, filled out at the beginning. This strongly suggests that no actual investigation was done, nor did Chime attempt to obtain information from the merchant. 

Under Regulation E ( 12 CFR 1005 ), financial institutions are required to conduct a reasonable investigation. Simply reviewing the initial intake form which I provided, does not constitute a reasonable investigation. 

Chimes failure to : Obtain documentation from the merchant, Provide any analysis supporting their denial, Demonstrate that any investigation took place, And dismiss the claim despite the merchant refusing to correct their own error, shows non-compliance with their legal obligations. 

I am requesting the CFPBs assistance in requiring Chime to properly review my dispute and provide a legitimate investigation, including gathering information from the merchant, and credit my account for the unauthorized/incorrect transaction as required under Regulation E. 

I can upload : The dispute denial letter from Chime Proof of the incorrect merchandise received Proof the merchant refused to provide a return label The documents Chime sent me, which were only my own intake form Thank you for reviewing my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-24 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: TN

Complaint narrative:
I am requesting a reinvestigation of the items listed below. The information reported may be inaccurate, and I would like to have these items reviewed and corrected based on the Fair Credit Reporting Act ( FCRA ).

Charged-Off Accounts No charged-off accounts are being disputed. 

Inquiries XXXX XXXX Date : XX/XX/year>

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