vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX LVNV FUNDING LLC XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX Subject : Cease and Desist Demand Dear LNNV FUNDING LLC XXXX RESURGENT CAPITAL SERVICES I am writing to formally demand that you Cease and Desist from using my information obtained due to identity theft, and reporting without my written consent or having a contract with your office with my wet signature a letter was sent to your office XX/XX/year> to verification of your claims sent to the bureaus, still no respond.. 

This behavior constitutes a violation of Florida Statute XXXX & XXXX If you continue this behavior, I will be forced to take appropriate legal action to protect my rights. 

Accordingly, you are hereby directed to : Immediately stop using, report and or anything associated with my personal information Provide written assurance within XXXX days of the date of this letter that you will refrain from any further such actions This letter serves you as the final warning. If you do not comply with this request. I reserve the right to pursue all available legal remedies, including seeking monetary damages, injunctive relief, and recovery of legal fees. 

This is a serious matter. Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
If you do not want to end up in court, my best advice would be to carefully react information contained on the dispute letter considering this is my third time having to submit a dispute for the same item. I am absolutely disgusted at your company protocols to take care of an investigation using a computer such as the e oscar system company is in violation and it's time to make things right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX [ City, State, ZIP Code ] Date of Birth : XX/XX/year> [ Date ] XXXX early warning LLC Address XXXX XXXX XXXX XXXX XXXX , AZ XXXX United States Subject : Identity Theft Dispute and Request for Investigation To Whom It May Concern, I am writing to formally dispute information that appears on my credit report and to notify you that I am a victim of identity theft. My name is XXXX XXXX, and my personal identifying information has been used without my authorization. 

The following accounts and/or inquiries are fraudulent and should be removed from my credit report immediately : [ List the unauthorized accounts, inquiries, or transactions here, if known. ] Under the * * Fair Credit Reporting Act ( FCRA, 605B ) * *, I request that you block and remove all fraudulent accounts and correct any resulting negative information related to identity theft. Enclosed are copies of documents supporting my claim, including : - A copy of my government-issued identification - Proof of address ( utility bill, lease, or bank statement ) - A copy of the police report or FTC Identity Theft Report Please confirm in writing that you have received my dispute and will conduct an investigation. Once complete, provide me with an updated copy of my credit report reflecting the corrections.

Thank you for your prompt attention to this matter. 

Sincerely, * * XXXX XXXX * * [ Signature ] Date of Birth : XX/XX/year> Address : XXXXXXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a fraudulent charge in XXXX ( worth {$300.00} ) on my Capital One card. I reported it and got a new card sent to me. After a few days I got charged back and thought it was still being reviewed. 

I never got a final letter with the outcome or reason it was overturned. I had to call them to see the issue and they reported it was used via a device and thats why it was reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
IM ASKING THE COMPANY TO SEND ME A debt validate validation letter. They never respond to me about the LETTER And when I continue to look on my credit report, it say that it was a charge-off They never sent me a letter saying that it was charged off. It just shows up on my credit report. I also ask and flow Agreement .. A ownership agreement also built a sale in the original contract. They have never responded to anything that I asked for I'll did I keep seeing it on my credit report? That it say it is a right out.They never sent me AXXXXNeither, And I also continue to call an ATMXX/XX/XXXX that they are no longer to talk to me about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Freede Solutions Inc.
State: CA

Complaint narrative:
I did no business with this company or sign any papers with to have my personal information? XXXX suffering here years of hardship.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
I financed a vehicle with Credit Acceptance Corporation ( Account # XXXX ). 
I still possess the vehicle, but the company has not released or provided my vehicle title even though the account is time-barred and inactive. 
They continue to report this account to credit bureaus as open and repossession, which is false. 
I have sent certified letters requesting lien and title verification, but they have not responded. 

I am requesting that Credit Acceptance release my title, stop reporting false information, and delete the inaccurate tradeline from my credit reports.

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 2025-10-19 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: Affirm Holdings, Inc
State: MD

Complaint narrative:
Affirm , INC pertaining to FCRA ( 15 U. S. C. 1681s-2 ) Affirm has XXXX accounts on my report and illegally reporting false information and this information must be removed immediately XXXX XXXX XXXX Affirm XXXX XXXX and XXXX  are all acting in concert and a lawsuit will follow if this isnt removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-10-19 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: MD

Complaint narrative:
My account with Chime, held in partnership with The XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX., has been closed since 2021 while holding over {$140000.00} that rightfully belongs to me. 

This money came from a legitimate XXXX business loan ( labeled XXXX XXXX  XXXX in the deposit ) issued to support my construction company, XXXX XXXX XXXX, during the XXXX pandemic. 

Since the account was closed, I have consistently complied with every request from Chimes support and compliance departments to provide documentation verifying the source of the funds and my business ownership. 
I have submitted : Proof of address ( utility bills and government-issued ID ) My full federal tax return ( Form 1040 with Schedule C ) Business license and registration Business bank statement Social Security card for secondary verification Despite repeatedly submitting these valid documents, Chime continues to respond that my materials are not sufficient without explaining why or identifying what additional documents are needed. I have asked many times for a specific list of acceptable documents, but no clear guidance has ever been provided. 

Recently, Chime confirmed that my account will remain closed and that I am not eligible for a refund, even though they continue to hold my money. The representatives I dealt with ( XXXX and XXXX from Chime Member Services ) have refused to escalate or provide further options.

I have been trying for over four years to regain access to my funds. I have acted in good faith, followed every instruction, and responded to every request, yet I am still being denied access to my own account and money. 

I am requesting the CFPBs assistance in compelling Chime ( and its partner bank ) to either reopen my account and release my funds or provide a specific, written explanation of what documentation they require to verify the source of funds. 

This situation has caused severe financial and emotional hardship. I simply want access to my own verified funds after years of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To whom it XXXX concern : U.S. Department of State conducted a XXXX top secret clearance on my information and based on my credit report, my sisters information appears on my credit report. We have a Social Security number that are almost identical. 

This factors might be affecting my credit report. 

Please assist me on this issue as soon as possible.

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 2025-10-19 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-10-19 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On or about XXXX XXXX I purchased two refundable tickets through Chase XXXX  for a flight from XXXX XXXX to XXXX for my husband and son. ( Booking code XXXX  ) I applied 484,277 in points and was charged {$420.00} in fees. On or about XX/XX/2025, I cancelled one of these airline tickets as the other passenger was no longer able to go. I was refunded 242,139 in points and {$210.00} for the fees. On or about XX/XX/2025, I cancelled the other ticket. I received notification of the cancellation from the airlines, and the ticket was showing on the Chase website as cancelled. I still have not received the remaining 242,139 and {$210.00} that is owed. I have called Chase XXXX and Chase Customer service on six or seven occasions and have escalated the problem to a supervisor several times. I keep getting told that the flight was cancelled and that the points and fees are owing but that the back-office accounting needs to post them. They acknowledge that they have made an error assuming it was already refunded because they refunded half in XXXX. I have explained the situation and how this was only for one ticket and they have acknowledged that I'm still owed for the second. I have been told that this was accelerated and that has been approved but still nothing. The situation has been assigned two different case numbers as they seem to be starting anew on this every time I call. The case numbers are XXXX and XXXX. I am at a loss for what to do and would like to use these points. It represents about {$3000.00}. Can you assist me in getting them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SN SERVICING CORPORATION
State: CO

Complaint narrative:
Pursuant to Federal Rule of Bankruptcy Procedure 3002 ( a ), a proof of claim must be filed by a creditor in order to establish the creditors claim against the bankruptcy estate. Specifically, Rule 3002 ( a ) states : The rule explicitly requires that a creditor must file a proof of claim to have standing to participate in the estate and to enforce its rights, including the assertion of a security interest and seeking relief from the automatic stay. 
The Movant has not filed any proof of claim in this case. As a consequence, it has failed to satisfy the statutory and procedural requirements laid out in Rule 3002 ( a ), and thus, lacks standing to seek relief or enforce its claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Marauder Corporation
State: CO

Complaint narrative:
I had a payment arrangement with this collection company on XXXX XXXX I paid the collection off in full and the agreed to remove it from my credit report it is XXXX XXXX and the still have the original amount owed that was with the original creditor and they refuse to fix it on my credit report, Ive reached out to them several times and nothing changes

Company response to consumer: Untimely response
Consumer complaint received 2025-10-19 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: Certegy Holdings, LLC
State: AL

Complaint narrative:
I am reporting several unauthorized charges that appeared on my XXXX Bank checking account, which were made using my debit card without my permission. These transactions were not authorized by me. I have already contacted XXXX Bank and provided my police report and identity verification documents. 

I have also mailed a complete fraud packet to XXXX Banks XXXX Department, including my police report, FTC Identity Theft Report, government-issued ID, proof of address, and supporting documentation showing these transactions were unauthorized. 

Despite these efforts, XXXX Bank has not refunded or corrected the unauthorized transactions as required under Regulation E ( 12 CFR 1005.6 ). I request that XXXX Bank promptly investigate, reverse all fraudulent charges, and confirm that my account has been secured from further misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BROKER SOLUTIONS, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX, Plaintiff purchased and became the lawful owner of the Property.

Defendant ( s ) initiated foreclosure proceedings without properly recording or supporting their claims with authentic, timely recorded documents as required by Colorado law.

New American Funding filed a request for a full release of the Deed of Trust on XX/XX/XXXX, but failed to record the release in the county records, making it legally ineffective under Colorado Revised Statutes 38-35-109. 
On XX/XX/XXXX, a " corrective assignment '' of the Deed of Trust was recorded more than a year later, in violation of Colorado law, which requires timely recording of assignments per Colorado Revised Statutes 38-35-109 and 38-35-106.

The recorded documents supporting the debt and lien are unauthenticated, forged, or otherwise invalid, violating state and federal law including Colorado Revised Statutes 18-5-102, 18-5-103 concerning fraud and forged documents.

The foreclosure and wrongful lockout of the property are unlawful and violate the Colorado Organized Crime Control Act ( COCCA ), and the state 's prohibition against fraudulent or deceptive practices in property transactions ( Colorado Revised Statutes 18-5-102 and 18-5-103 ).

The wrongful foreclosure and seizure constitute both a violation of property rights and state law governing recording and transfer of real estate interest I dont have a lone with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I have made several attempts at having the debt verified. I have written letters to the three major credit bureaus XXXX XXXX XXXX XXXX I have even reached out directly to the collection agencies reporting the debt. I would like this to be a formal complaint of the lack of accountability this collection has shown throughout this entire process. According to the FCRA U.S.C SS ( 1681-1681X ), I should be protected from these kind of acts.

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 2025-10-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Capital Services, LLC
State: CO

Complaint narrative:
I had a payment arrangement with this collection company on XXXX XXXX I paid the collection off in full and the agreed to remove it from my credit report it is XXXX XXXX and the still have the original amount owed that was with the original creditor and they refuse to fix it on my credit report, Ive reached out to them several times and nothing changes

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