vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Here is what has happened : XXXX XXXX XXXX has engaged in repeated and excessive debt collection communications, emailing me once or twice daily for approximately XXXX days. 

I explicitly requested, in writing, that they cease contacting me by email and communicate only by mail, as permitted under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ). That request was ignored.and also over the phone when contacted repeatedly I also requested formal debt validation under 15 U.S.C. 1692g. No validation or documentation has been provided by mail or electronically. Despite this, collection activity continued. 

The alleged debt has been sold multiple times, and XXXX XXXX XXXX has failed to demonstrate lawful ownership, authority to collect, or accuracy of the amount. 

Additionally, LVNV Funding LLC continues to report this account to consumer reporting agencies without having validated the debt, rendering the reporting inaccurate and unverifiable under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

I am requesting that this account be fully investigated, that all unlawful collection communications cease, and that any credit reporting related to this account be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC
State: KS

Complaint narrative:
In XXXX of 2025 I received a call as did my husband, brother, and Grandmother about a debt collection. After I contacted XXXX and Associates to find out what was going on, they were able to tell me about a debt I owed for a credit line purchase. Originally I was able to make payments to XXXX XXXX XXXX who I had the line of credit through, however, the account was sold to Concora Credit. When Concora Credit took over my account I was unable to make payments as I was not given a new account number and the old one was not valid. When the debt company called they were able to tell me who owned my account and how much I owed. I agreed to a settlement plan to make payments of {$100.00} biweekly until the amount of {$1300.00} was paid in full concluding in XXXX of 2025. I gave them the banking information so I could be done with the headache of the debt account with Concora. As to the agreement they debited the account biweekly until the end of XXXX. I am now receiving debt notices from a new company saying that the debt was never paid. After my husband and I looked into the company listed on the bank drafts it looks like it may have been fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: PA

Complaint narrative:
This account on my credit report does not belong to me and was added without my consent. I request it be investigated and 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 non-monetary relief
Consumer complaint received 2025-12-16 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 submitting this follow-up complaint after carefully reviewing my Equifax, Experian, and TransUnion credit reports and identifying numerous inaccuracies, incomplete entries, and accounts that appear to be improperly verified. Despite prior disputes, these errors continue to remain on my consumer file, causing ongoing frustration and harm. The disputed items include multiple collection accounts, tradelines, and inquiries from various furnishers and data processors that either do not belong to me, are inaccurately reported, duplicated, or lack proper verification. The continued presence of these items raises serious concerns regarding the accuracy and reliability of the information being furnished and maintained. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, FCRA 611 mandates that disputed information be thoroughly investigated and verified with competent and reliable evidence. To date, the responses I have received suggest that these obligations have not been fully met, as the disputed accounts and inquiries continue to be reported without meaningful correction, validation, or explanation. 
These ongoing inaccuracies have negatively impacted my creditworthiness and financial standing, and I believe Equifax, Experian, and TransUnion have failed to conduct a reasonable reinvestigation as required by law. I am formally requesting that the CFPB review this matter and require the consumer reporting agencies to conduct a comprehensive and lawful investigation into each disputed item. Any account, inquiry, or collection that can not be fully verified as accurate, complete, and legally reportable must be corrected or removed immediately in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
* * Subject : Formal Complaint Against Chime Bank for Account Freeze and Unauthorized Credit Line Closure * * To Whom It May Concern, I am submitting a complaint regarding Chime Bank and their handling of my account as well as the unexpected closure of my XXXX  line of credit. 

On XX/XX/year>, I received an email from Chime stating that they had detected unusual activity on my account and had * * paused my ability to spend or send money * *, including card purchases, transfers, and withdrawals. The message stated that I could still view my account details, but that my account would remain restricted while they conducted a review. 

Immediately after receiving the email, I called XXXX customer support for clarification. The representative repeatedly refused to provide any details beyond what was included in the email. I asked what the suspected activity was, how I could resolve the issue, or what steps I needed to take, and none of this information was provided. I was told only that the review would take a * * minimum of 48 hours * *.

I explained that I urgently need access to my funds to pay essential bills, including my power bill due that same day, and that this situation is occurring only two weeks before XXXX. Despite explaining the hardship this causes, I received no assistance, no timeline, and no resolution options. When I asked to speak to a supervisor, the representative * * refused to transfer me * *.

Shortly after ending the call, I received another email from Chime stating : Were sad to see you go. Were confirming that per your request, you
r XXXX line of credit has been closed. 

I never requested to close my XXXX line of credit. This action was taken without my authorization and without explanation. I am now unable to access my funds or my line of credit, and Chime has provided no reason, no due process, and no path to resolution.

My concerns are : Unexplained account freezing without notice or recourse Refusal to disclose the reason for the freeze or what is required to restore access Refusal to escalate the call to a supervisor Unauthorized closure of my XXXX  line of credit Lack of transparency, lack of support, and severe financial hardship caused by their actions This situation has caused me significant stress and financial strain, and Chime has not provided any meaningful support or explanation. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: LA

Complaint narrative:
I requested debt validation from PROFESSIONAL DEBT MEDIATION under my rights provided by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I sent the request by certified mail and have attached proof of delivery. The collector has not provided the required validation and continues collection efforts, which is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NC

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
AFFIRM is reporting me as delinquent to both XXXX  and XXXX. On XXXX, AFFIRM is reporting 49 AFFIRM accounts, on XXXX, they are reporting seven delinquent AFFIRM accounts. I have zero open AFFIRM accounts. Any previous AFFIRM accounts were paid in full and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
PayPal closed my account for unknown reason even after I sent in verification of identity and is holding my PayPal balance until XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: PA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-12-16 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: NM

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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
Consumer complaint received 2025-12-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To have the inaccurate account be deleted immediately.

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 2025-12-16 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Levelset Collection LLC
State: OR

Complaint narrative:
XXXX XXXX with LevelSet Colllections has been calling our office daily, we've asked her to stop. She is also emailing me everyday and I've asked her to stop. She made a XXXX  review of my company stating we do not pay our bills when its the owner of the property that did not pay their bill. Today she was screaming at me on the phone. She accused me of not trying to resolve the situation with the owners and would not let me speak. Also on her XXXX  review, she stated that she put liens on properties I manage and that is false. She also stated I signed a contract with the vendor and I did not.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX {$13000.00} UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXXXX/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 2025-12-16 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-16 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CreditNinja Lending, LLC
State: MN

Complaint narrative:
Initially said I was approved for the loan signed contract payment schedule was set. I just needed to wait for money to be deposited in my account. Then on the day the money should have arrived they said my bank denied it and money was reversed back to them. I checked my routing and account number and everything was correct. They also verified my checking account through plaid so everything was correct. Many reviews reflect this same activity happening not only to myself but many others.

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I disputed a charge on account ending in XXXX. Chase confirmed a temporary credit would post by the end of the business day, but as of XX/XX/XXXX, no credit has appeared. 

My account is pending closure, and I was told this would not prevent the credit. I have called multiple times and received conflicting information. 

Please note that this complaint is being submitted through the Consumer Financial Protection Bureau ( CFPB ), which monitors response times and ensures compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Hi Went on vacation end of XX/XX/year>. XXXX. Last day of vacation we went into town and purchased what we thought was real jewelry from a real jewelry store. Myself, my wife, and my friend purchased what we thought was real gold and diamonds after they brought out meters and stuff to test their stuff. We purchased. Friend bought " real gold '' necklace {$2200.00} cash cause they would not " accept '' his XXXX. Wife bought be a " real gold '' bracelet {$1600.00} XXXX XXXX ( disputed and won her case ). I purchased a " real diamond '' tennis bracelet {$4600.00} Citi CC ( disputed and lost so far ). After being showed it was real with their tester we were " sold '' and we purchased and left happy. We went home the next day from vacation back to the XXXX. My wife wanted to wear her new tennis bracelet and it was a bit too big so she went that day to a local jeweler to get it sized down and take a few links out. To our surprise... we found out it was fake! Along with the gold -- - FAKE! Not happy any more! So we filed our disputes. My wife won hers and I lost mine. Why I lost - I have no idea... they lied they lied! They sent into the Citi people a letter and receipt that had lies- they said they sold us bottles of booze and XXXX Silver bracelet and necklace?? NOT us. Don't understand how we lost that? Right on the receipt. Wrong. I hope I can get help on this. I can supply plenty of paper work to provide proof. Thank you. 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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
The insurance payed off my balance on and they have it as a charge off

Company response to consumer: Closed with explanation