vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: UT

Complaint narrative:
On XX/XX/year>, I tried scheduling for massage services and paying via Chime. I was asked to send {$100.00} with Pay Amyone as a deposit and then an additional {$410.00} with Pay Anyone for holding my appointment. I sent {$310.00}. I realized I was possibly being scammed. I asked the merchant to refund my money. They stated they never received the {$310.00}. And then stated that the {$100.00} deposit was non-refundable, however, this was never stated until after I had sent the money. 
I immediately tried to file a claim with Chime and they said the couldnt do anything do my and that they would freeze the account that I sent the money to. But unwilling to help me get my money back. 

I out to my personal Credit Union and they agreed that I had been a victim. So they pulled {$410.00} from my Chime account, giving me a negative balance with Chime. 

On XX/XX/XXXX, I went to close my account with Chime. They stated I had to get my account to zero to close it. I brought up the whole story me trying to make a claim and Chime refusing. This time I stated that Chime isnt abiding by Chimes Terms of Service as it relates to money transfers under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I recently reviewed my credit file and discovered fraudulent inquiries that I did not authorize and believe to be the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX Pentagon Federal CR UN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pentagon Federal CR UN 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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have call customer service of Experian and ask to remove the names incorrect spelling listed with wrong middle name and misspelled on the report and refuse to make changes violation consumer laws reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have call customer service of Experian and ask to remove the names incorrect spelling listed with wrong middle name and misspelled on the report and refuse to make changes violation consumer laws reporting inaccurate 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 2025-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
Account Information : * XXXX XXXX XXXX XXXX XXXX * Original Creditor : XXXX Credit Card * Balance : {$960.00} I sent them a certified letter # XXXX on XX/XX/year> asking them to send me a Debt Validation Request and Cease & Z Desist letter. The company has failed to provide any document that constitutes legal debt validation as required by 15 U.S.C. 1692g. a simple account summary or lack of response is legally insufficient. The company failed to provide the following essential documentation : 1. A copy of the original signed credit agreement proving my contractual liability.

2. A complete, itemized payment history from the date of default.

3. The legal bill of sale that XXXX XXXX XXXX XXXX XXXX legally owns the debt and has the right to collect. 
By continuing to report this account and failing to validate it, XXXX XXXX XXXX XXXX XXXX is violating the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My citicard credit card was hacked by someone in another state. The person set up several preauthorized merchants that are fraudulent and keeps charging the credit card. I've reported the disputed charges each time and they are taken off my account and then citicards issues a new card. Each time, the fraudulent person gets the new account number, probably through an account updater program and continues to make fraudulent charges. I've spoken with the fraud department and have told them to not update my card to ANY account associated with it but this keeps happening. They only block the merchant associated with the fraud, but then the fraudster uses a different pre-approved merchant. Even when the card is locked, charges are getting made to it. I need to have everything associated with the card blocked from use so that the fraudster doesn't keep opening up preauthorized subscriptions. No one at Citicards seems to know how to do this.

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 monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I have repeatedly attempted to open deposit accounts ( checking/savings ) with major banks, including Chase, but my accounts are closed shortly after opening without any explanation. No violations of account terms or misuse occurred. Each time, I am informed only that the account is being shut down, with no further detail. 

This practice has caused me significant harm by limiting my access to mainstream banking, preventing me from making payments, receiving deposits, or conducting ordinary transactions. The banks have not provided the reason for these closures, nor have they informed me if this is due to inaccurate reporting in XXXX, XXXX XXXX XXXX, or other risk systems. 

Under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ), these unexplained closures appear to be unfair and abusive. If inaccurate data in XXXX is the basis, then this also raises concerns under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), since I have not been provided with any notice, investigation, or opportunity to dispute such information. 

I am requesting that the CFPB investigate Chase and other financial institutions involved, and ensure that any third-party reporting ( XXXX, XXXX, or otherwise ) is corrected if inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
On XXXX at XXXX I called XXXX Freedom Mortgage to stop my payments from occurring every 15 days. The employee I spoke with changed it so I would have my payments withdrawn once a month. On XX/XX/XXXX a half payment was deducted from my checking account. I immediately called again at XXXX. to complain and have it changed again and request a refund. The employee said he couldn't change it but could cancel the automatic withdraw. His suggestion was to send bills by mail. I agreed and requested a refund. He then processed a refund. On XX/XX/XXXX at XXXX I called back again. I told the employee that my bank account had not received the refund. They said the check was in the mail. Today XX/XX/XXXX I logged onto XXXX to pay my full payment and it would only let me make a half payment since they never refunded their mistake. I didn't make any payments on their website. I have been lied to three different times by their employees. I'm not even sure what I need to pay for my next payment. Their website claims only half even though I'm supposed to get a refund.

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 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
When signing up for the Walgreens credit card in the XXXX, I was asked to write down all my personal information on the back of a paper grocery bag. That includes my address, phone number, name, social security number, and email. Not a real form, just a leftover bag. 

That didnt sit right with me. It felt pretty insecure and unprofessional, and Im now worried about how my information is being handled or stored, especially since out of nowhere, I started getting texts from random numbers that include my name and address. 

This happened at the XXXX Walgreens XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, at about XXXX. 

Ive reached to the privacy office in order the ask for the steps being taken to ensure my information is secure, but they only asked for more information, and completely ignored me for months afterwards.

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 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This company said that I opened a debt with them in XXXX. I have not opened any credit accounts since COVID-19, when I lost my job and couldn't pay my bills. Recently, I have been watching my credit, and two new accounts from LVNV have appeared on my credit report. I have no idea who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: AL

Complaint narrative:
I attempted to call every number I could find for equifax and after collecting my social security number they asked questions about my report that I did not know since this is obviously not me or my accounts as they were opened in XXXX  when I was XXXX year old, they would not go any further since I could not answer the questions even though I provided all other information, there is a XXXX XXXX XXXX that is showing on my equifax credit reports and I can not dispute it any other way that I have seen I originally saw it on XXXX XXXX and investigated then called where they refused any information they had regarding my social there are several accounts on my report thats in someone elses name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am rebutting the handling of my complaint against XXXX XXXX XXXX XXXX. 

While I understand the CFPB referred my complaint to another agency, I need to make it clear that this matter involves more than just a private dispute. XXXX XXXX XXXX XXXX not only furnished inaccurate information that is damaging my credit reports, but also threatened to have me arrested, which is an intimidation tactic and completely inappropriate for a financial institution to use against a consumer.

This is not just a regulatory matter ; this is a violation of my consumer rights. Under the Fair Credit Reporting Act ( FCRA 611, 15 U.S.C. 1681i ), I have the right to dispute inaccurate or harmful information, and under FCRA 605B [ 15 U.S.C. 1681c-2 ], furnishers must block fraudulent information once a valid identity theft report is provided.

I am requesting that TransUnion, Equifax, and Experian also be made aware of this matter so they understand that the information reported by XXXX is being actively disputed and is tied to unlawful threats made against me. The continued reporting of this account, combined with the intimidation I experienced, has caused me severe emotional distress, financial harm, and further damage to my credit standing.

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 2025-09-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
A collection account from Credence Resource Management for {$460.00}, allegedly from XXXX XXXX, is being reported on my credit file by XXXX. 

I have never had any account with XXXX XXXX or any dealings with Credence. I did not authorize anyone to use my information, and I did not open this account. This account was opened on XX/XX/year>, and the status shows as a collection account with monthly reporting from XX/XX/year> through XX/XX/year>. 

I contacted Credence directly and told them this is not my debt and to remove it immediately from my credit file. They refused or failed to do so. I have also disputed this account with XXXX  multiple times, but it remains on my credit report. 

This collection account is causing serious harm to my credit score and financial well-being. It is also a violation of my rights under the Fair Credit Reporting Act ( FCRA ), including : FCRA 602 ( A ) : Ensures fair and accurate credit reporting FCRA 611 : Gives me the right to dispute inaccurate or unverifiable information FCRA 623 ( a ) ( 5 ) : Furnishers must not report inaccurate or fraudulent information FCRA 605B : Requires CRAs to block identity theft-related information when requested I am formally requesting the immediate removal of this account from my credit report, a full investigation into how my information was used, and documentation proving any alleged account agreement. If this account was opened fraudulently, it should be removed and blocked under FCRA 605B. 

I have not received any validation of this debt, and I never gave consent for XXXX XXXX or Credence to use or report my information. This is severely impacting my life, and I expect full removal of this false account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Center Street Finance, LP dba CSF Servicing
State: SC

Complaint narrative:
On XX/XX/year> I sent request for validation of debt via certified mail it was received but the company didnt respond On XX/XX/year> I sent a failure to validate debt via certified mail it was received but the company didnt respond XX/XX/year> I got a right to cure in the mail from the company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Scammer called from the REAL phone number of my bank ( XXXX bank ) and said somebody in California used my zelle  and transferred out 2 transactions of {$2000.00} and {$3000.00}. I wasnt trustworthy but they tranferred me to higher ups that assured me all i had to do was do a zelle void code of the 2 transactions to prove my phone was the real point of access, and fraudlently had me zelle those full amounts. the bank and zelle are being rude and unhelpful but say they are investigating, and i have so much evidence against the scammers to COMMAND a refund of what was wrongfully taken from me. I have XXXX phone numbers, names, bank account of scammer, and address, i should have my money back NOW. So digusted, and angry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
Debtor added debt to my credit report without my knowledge violating my right to dispute. I reached out requesting below and still havent received proper verification.

I am writing in regarding a debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide me with proper validation of this debt. Please note that this is not a refusal to pay, but a request for verification. 

Please provide the following information 1. Forward Flow Agreement 2. Chain Of Assignment 3. Proof that you have the legauthority to collect this debt, including a copy of the agreement between you and the original creditor.

4. A complete itemization of the debt, including the original amount, interest, fees, and any other charges.

5. The name and address of the original creditor and any account numbers associated with the debt.

6. Proof that the statute of limitations has not expired on this debt.

7. A copy of any signed agreement showing that I agreed to this debt.

8. Your license number and the state in which you are authorized to collect this debt. 

Until you provide this validation, I request that you cease all collection efforts, including reporting this debt to credit bureaus as unverified. 

If you can not validate this debt, I request that you remove it from my credit report and cease all further contact with me regarding this matter. 

Please respond to this request within 30 days of receiving this letter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
Solar Mosaic LLC financed the loan for our rooftop solar panels in partnership with XXXX XXXX XXXX. XXXX installed the solar panels by giving wrong information verbally as below : 1- Our monthly payment will never be more than {$95.00} a month for the term of the loan 2- I could apply and get {$10000.00} solar tax rebate in full at any time 3- There was 25 year warranty for roof leak Not only were the first two promises wrong, but our roof also leaked during the first rain after solar installation. 
I tried my best to get help from XXXX, but they did not. Since XXXX installation had caused many roofs to leak, many people reported them to your office. 
I also reported them to you. But your office or XXXX XXXX did not provide any help or financial assistance to me. 
Later, I was informed that your office had cancelled the license of XXXX in California. 
My roof is still in damaged state more than one year after the leak as I do not have spare funds to fix it. 
Now Mosaic has filed for bankruptcy. 
I want you to put a stop on the bankruptcy proceedings of Mosaic. Tell them to waive my loan because it was sold by misstating facts ; and their partner company XXXX did not abide by the terms of the loan. 
I will really appreciate your quick response in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am disputing inaccurate personal information on my credit report. The report lists incorrect addresses, names, date of birth, and phone numbers that do not belong to me. I request that the bureau investigate and update my credit report with accurate information. Enclosed are copies of documents verifying my correct information, including my ID and proof of address.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am disputing inaccurate personal information on my credit report. The report lists incorrect addresses, names, date of birth, and phone numbers that do not belong to me. I request that the bureau investigate and update my credit report with accurate information. Enclosed are copies of documents verifying my correct information, including my ID and proof of address.

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 2025-09-27 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: WI

Complaint narrative:
I am disputing inaccurate information on my Experian credit report in violation of the Fair Credit Reporting Act ( FCRA 611 ). Several accounts are not mine or are reporting incorrect balances and late payments, including Diversified Adjustment, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. Experian is also reporting outdated personal information. 

Under FCRA, Experian must conduct a reasonable reinvestigation, delete unverifiable items, and provide the Method of Verification ( 611 ( a ) ( 6 ) ( B ) ( iii ) ) if any item is verified. I am requesting immediate deletion of inaccurate accounts, correction of personal information, and a corrected report.

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