vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CO

Complaint narrative:
My name is XXXX XXXX ( XXXX / XXXX ). I am a single mother and was scammed out of {$50.00} by someone claiming to be a mobile mechanic. On XX/XX/XXXX, at XXXX XXXX, I paid $ XXXX XXXX XXXX direct transfer from my XXXX XXXX XXXX ( ending XXXX ) through Chime for a diagnostic service that was never performed. He used XXXX and his wife to gain my trust, then asked for more money and blocked me on XXXX. 

His XXXX business page, XXXX XXXX, is still active with videos and pictures of him working on cars, along with photos of his family. I assumed the business was legitimate, but I can not verify any of it. 

I contacted Chime immediately, and they said the transaction was a direct transfer so they could not refund the money. Chime confirmed businesses arent allowed to operate under their bank for these types of transactions but could not help recover my funds. I also reported the scammer to XXXX XXXX and XXXX, and Chime flagged his account. 

I have screenshots from both XXXX XXXX and Chime showing the transaction and proof that the service was never rendered. These funds were intended for urgent car repairs, and losing them has caused financial hardship. I am requesting that CFPB investigate these institutions responses, help me obtain a refund, and ensure the scammers Chime account is flagged to prevent further fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX  XXXX breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$25000.00} Account name XXXX  XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$4800.00} Account name XXXX  XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$2600.00} Account name XXXX XXXX Account number XXXX Account type XXXX  Date opened XX/XX/XXXX Balance {$23000.00}

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 2025-11-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Debt Validation Request & Formal Dispute Letter XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Email : XXXX Date : XX/XX/2025 To : Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Subject : Request for Debt Validation and Investigation of Inaccurate Credit Reporting Dear Consumer Financial Protection Bureau, I am submitting this letter to formally request validation and verification of multiple debts and derogatory entries that have been reported on my XXXX  and XXXX  credit reports. I have already contacted the credit bureaus to dispute these accounts directly, but they continue to appear as derogatory or past due despite providing documentation and proof of payment or resolution. The following accounts appear as inaccurate, unverifiable, or misleading : 1. XXXX XXXX XXXX  Status : Past due 90 days. 
This account was paid and closed, yet it continues to reflect a past-due balance. No validation or proof of debt has been provided despite dispute submission. 
2. DEPT OF EDUCATION/NELN XXXX  & XXXX  Status : Current, previously delinquent. 
Payments are now current. The late payment history is outdated and should no longer appear. 
3. XXXX XXXX XXXX XXXX  Status : Derogatory indicator reported. 
This account is in dispute. The creditor has not provided proper verification or documentation supporting the derogatory mark. 
4. Other Unspecified/Closed Accounts XXXX  & XXXX Status XXXX Reported as charged off or severely delinquent. 
Many of these accounts have been settled, transferred, or paid. The continued negative reporting is inaccurate and misleading. 

Actions I Have Taken I have already contacted both XXXX  and XXXX  directly to dispute these items, as well as reached out to some of the creditors for clarification and documentation. Despite these efforts, the credit bureaus have failed to correct or validate the accounts, leaving these derogatory marks on my record. 

Request for CFPB Assistance Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am requesting that the CFPB : 1. Investigate these disputed accounts.

2. Require validation and proof of debt from the original creditors or furnishers.

3. Remove or correct any entries that can not be verified with proper documentation.

4. Ensure that XXXX and XXXX  update my credit file to reflect accurate, up-to-date payment information. 

Thank you for your time and attention to this matter. I trust that the CFPB will take appropriate action to ensure my consumer rights are protected under federal law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, XXXX U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 non-monetary relief
Consumer complaint received 2025-11-08 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: AZ

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX To whom it may concern, I demand that you immediately DELETE ALL INACURATE PERSONAL INFORMATION that I do not verify. Under 15 USC 1681 ( i ) ( ii ) - Procedure in case of disputed accuracy. Certification of accuracy of information if any information is DELETED from a CONSUMERS file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the CONSUMER reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Notice to CONSUMER if any information that has been deleted from a CONSUMERS file pursuant to subparagraph ( A ) is reinserted in the file, the CONSUMER reporting agency shall notify the CONSUMER of the reinsertion in writing not later that XXXX business days after the reinsertion or, if authorized by the CONSUMER for that purpose, by any other means available to the agency. 


I demand that you DELETE every inaccuracy listed on my PERSONAL INFORMATION CREDIT REPORT : DELETE INACCURATE NAME : XXXX XXXX XXXX, DELETE INACCURATE NAME : XXXX XXXX XXXX, DELETE INACCURATE NAME : XXXX XXXX XXXX, DELETE INACCURATE EMPLOYERS : XXXX, DELETE INACCURATE EMPLOYERS : Cool Air Mechanical, DELETE INACCURATE EMPLOYERS : Me and XXXX, DELETE INACCURATE EMPLOYERS : XXXX XXXX XXXX DELETE INACCURATE ADDRESS : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX, DELETE INACCURATE ADDRESS : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX SC XXXX, DELETE INACCURATE ADDRESS : July 2015- 2181 XXXX XXXX XXXX XXXX GA, XXXX, DELETE INACCURATE ADDRESS : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX DELETE INACCURATE ADDRESS : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX INACCURATE ADDRESS : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX ADDRESS : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA.

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-11-08 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX  XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$3700.00}

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 2025-11-08 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: CITIBANK, N.A.
State: GA

Complaint narrative:
XX/XX/year> TO WHOM IT MAY CONCERN, This notice is to inform you that you unlawfully reported an UNAUTHORIZED ACCOUNT on my CONSUMER report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information 15 U. S. Code 6802 ( b ) -Obligation With Respect To Disclosures Of Persona Information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the CONSUMER, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the CONSUMER is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the CONSUMER is given an explanation of how the CONSUMER can exercise that nondisclosure option. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

I am writing this letter to DISPUTE the following ACCOUNT : This agency is in violation of the 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. As my right to Privacy and Consent 15 U. S. Code 1681 ( a ) ( 4 ) There is a need to insure that CONSUMER reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the CONSUMERS right to privacy. Therefore, the following ACCOUNT must be DELETED from my CONSUMER credit report IMMEDIATLY...

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 2025-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc.

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, Arizona. I was told that GM Financial would finance the vehicle, and my son was asked to co-sign. Later, I discovered the contract listed my son as the borrower, which was never disclosed during signing. The Retail Installment Sale Contract names XXXX  XXXX as the seller-creditor but does not mention GM Financial . I never received written notice that XXXX sold or assigned the contract to GM Financial, violating the Truth in Lending Act ( TILA, 15 U.S.C. 1641 ( g ) ) and A.R.S. 47-9310. 

In XX/XX/XXXX, I sent GM Financial a Qualified Written Request ( QWR ) seeking proof of assignment, a full accounting, and validation of ownership. GM Financial replied only with a copy of the original XXXX XXXX contract and a credit applicationno proof of transfer or accounting. Despite this, they continued collections and negative credit reporting, violating TILA 1641 ( g ), the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ). 

On XX/XX/XXXX, at about XXXX XXXX., GM Financials repossession agents entered the XXXX XXXX XXXX XXXX XXXX, where I XXXX. The tow occurred during XXXX and XXXX XXXX  and XXXX  XXXX, in view of dozens of students. Children screamed, Theyre taking XXXXXXXX XXXX XXXX XXXX  car! and ran around hysterical. The incident caused disruption and distress and was done without notice or administrative contact, violating A.R.S. 47-9609 ( b ) ( 2 ) ( breach of peace ). 

XXXX XXXX also engaged in deceptive business practices by misrepresenting borrower status, failing to give required Truth in Lending disclosures, and omitting the right-to-cancel notice. They did not disclose the immediate sale or assignment of the contract. These acts violate the Arizona Consumer Fraud Act ( A.R.S. 44-1522 ), Equal Credit Opportunity Act ( 15 U.S.C. 1691 ), and TILA 1638 ( Regulation Z ). 

As a result, my credit score dropped more than XXXX points due to false reporting. My son lost a housing opportunity tied to his gaining full custody of his son, and I suffered public embarrassment and emotional distress from the on-campus repossession. GM Financial and XXXX XXXX have also retained funds and GAP insurance refunds that were never credited or refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I am writing to dispute the following collection account listed on my credit report. I have reviewed this account and have found inaccuracies in the reporting. 

The account in question is : Collection Agency : CREDIT COLLECTION SERV Account Number : XXXX Original Creditor : THE GENERAL IN. COMPANY I request that you investigate the following items and provide verification of this debt as required by the Fair Credit Reporting Act ( FCRA ) : Accuracy of Information : I dispute the accuracy of the account details, including the balance, dates, and ownership of this debt. Please verify all information being reported. 

Method of Verification : In accordance with my rights under FCRA 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ], I request that you provide me with a description of the procedure used to verify this account, including the name, address, and telephone number of any person contacted during your investigation. 

Proof of Notices & Right to Collect : Please provide documentation proving that I received all required notices under the Fair Debt Collection Practices Act ( FDCPA ) and that CREDIT COLLECTION SERV has the legal right to collect this debt. This includes, but is not limited to : Proof of my liability for the debt ( e.g., a signed contract or agreement ). 

A complete payment history from the original creditor, THE GENERAL IN. COMPANY, to ensure the amount is accurate. 

Documentation that the debt was legally assigned or sold to CREDIT COLLECTION SERV. 

Governing Laws : This request is made pursuant to my rights under : The Fair Credit Reporting Act ( FCRA ), specifically 609 [ 15 U.S.C. 1681g ] ( allowing me to dispute inaccurate information ).

FCRA 611 [ 15 U.S.C. 1681i ] ( requiring you to conduct a reasonable investigation of disputed items ). 

The Fair Debt Collection Practices Act ( FDCPA ), 809 [ 15 U.S.C. 1692g ] ( governing the validation of debts ). 

If you can not complete your investigation within the 30 days required by the FCRA, or if you can not provide verified proof of all the requested information confirming the accuracy of this account and the legal right to collect, then this account must be deleted from my credit file immediately. 

Please correct the inaccuracies noted and provide me with an updated copy of my credit report once the investigation is complete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation