vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — Store credit 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Barclays closed my stolen package dispute even though I provided all required information. Now theyre requiring me to send a physical mail to reopen the case, which is an unfair burden. I never received the goods and should not be held liable under the Fair Credit Billing Act and Barclays Zero Liability Policy.

I purchased goods from XXXX  XXXX which was delivered by a transportation company whos known to have bad customer service and delivery service. The package was not left in a safe location or place to the side, it was just thrown on the step. A total of XXXX items were stolen amounting {$150.00}. The merchant did not help, didnt offer to investigate or even replace my items. I reached out to the delivery company XXXX and they did nothing but said the photo showed delivered. Nothing whatsoever to help. Now Barclays telling me to pay for something I didnt receive. Apparently they closed the case because I didnt respond. Why would you need to call to ask if I got the package, why would I get it and not say anything or waste my precious time. I had all the stuff for my XXXX XXXX and this process has been so inconvenient and frustrating. I didnt mail when I opened the claim so why am I being asked to go out of my way to mail something when Im already frustrated.

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 2025-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NV

Complaint narrative:
I am owed a refund for extra payments I made after being forgiven under PSLF. My service provider is Mohela. I received a letter in XX/XX/XXXXXXXX  stating the refund can take XXXX days to process and is processed by the US Department of Treasury . My loans were forgiven as of XX/XX/XXXX, so I am owed payments I continued to make from XXXX. I have also been told the same info after calling Mohela several times. I am well past the 120 days and I contacted the US Department of Treasury and they advised me that they have not even received a request from Mohela yet in order to release my money. Everytime I contact Mohela they just tell me to keep waiting. Please help. Thank you kindly.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
FCRA violation, the banks failed to provide me with a 1099c form upon charge off. 15 USC 1681 S-2 and 15 USC 1691 e, b violations reported to the IRS profit loss. Their continuing to report charge off every month

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
Sent XX/XX/year> Debt Contract Request I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Sent XX/XX/year> Custom Reason I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. This includes Bill of sales to to collection agency and my signed signature of the new contract between the agency and myself and date. Delete immediately off my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
California EDD placed a levy on my Chase accounts. The EDD faxed a formal levy release order to Chase, instructing the bank to release the funds. Chase has not confirmed receipt of the release but is refusing to check or release my money for 25 additional business days, citing internal processing policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-09-05 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This complaint is not a mistake. My credit report contains clear inaccuracies that are not meeting the standard of maximum possible accuracy required under the law. These errors are causing ongoing harm to me financially and personally, and their continued presence is unacceptable.

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 2025-09-05 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:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: IN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX FIN Date : XXXX XXXX XXXX XXXXXXXX Date XXXX XXXXXXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXXXXXX XXXX Date : XXXX XXXX XXXXXXXX XXXX Date : XXXX ACCOUNTS : XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$550.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$320.00} XXXX  XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$4800.00} XXXX. XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$220.00} XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$140.00} XXXX XXXX XXXX XXXXXXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing a complaint against XXXX, XXXX for refusing to allow me to submit a dispute regarding inaccurate information on my credit report. 

On multiple occasions, I have attempted to dispute incorrect information appearing on my TransUnion credit file. However, TransUnion has repeatedly blocked or denied my attempts to submit the dispute through their online system. This violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires consumer reporting agencies to investigate disputes of inaccurate or incomplete information. 

In addition to denying me access to a dispute process, TransUnion has a documented history of data breaches, which further raises concerns about the accuracy and integrity of the information they maintain on consumers. As someone directly impacted, I believe their refusal to accept my dispute is negligent and unlawful.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am filing a complaint against TransUnion, XXXX for refusing to allow me to submit a dispute regarding inaccurate information on my credit report. 

On multiple occasions, I have attempted to dispute incorrect information appearing on my TransUnion credit file. However, TransUnion has repeatedly blocked or denied my attempts to submit the dispute through their online system. This violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires consumer reporting agencies to investigate disputes of inaccurate or incomplete information. 

In addition to denying me access to a dispute process, TransUnion has a documented history of data breaches, which further raises concerns about the accuracy and integrity of the information they maintain on consumers. As someone directly impacted, I believe their refusal to accept my dispute is negligent and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
I was involved in a scam where someone or organization impersonated the XXXX  XXXX XXXX and landlord. I sent a total of {$950.00} and filed a police report, reported to the federal trade commissions, and filed a claim with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Dispute was submitted through XXXX XXXX and all XXXX credit bureaus. Harris and Harris is reporting {$220.00} in error. I have never done any business with this company I asked for validation of debt and nothing was sent. I filed a XXXX  complaint and Harris and Harris was removed from my XXXX  but remains on XXXX  and XXXX. I have had fraud alerts on my reports for XXXX  years yet erroneous accounts are being reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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 writing regarding the recent data breach via a third party application, affecting over XXXX XXXX consumers, in which my personal information including name, date of birth, and SSN was compromised. Given that sensitive data was exposed, I am requesting the following remedies under the Fair Credit Reporting Act ( FCRA ) and related statutes : XXXX. Complete deletion ( purge ) of all account data listed on my credit file, including any that may be incorrectly attributed or vulnerable to fraud. 
XXXX. Immediate removal of this file from all credit reporting systems to mitigate the risk of identity theft. 
XXXX. Written confirmation of fulfillment of these actions and documentation that my credit file is clear of potentially compromised data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/XXXX ; I had XXXX fraudulent transactions totaling {$300.00} on my virtual card. The charges were done approximately XXXX minute apart. I immediately called chime to report the fraud. They gave me a new virtual card number and told me to get as much information from XXXX as I can for the investigation. I was told by XXXX that they didnt see the transaction at all. Today ( XX/XX/XXXX ) my fraud claim dispute was denied. I did not authorize anyone to use my virtual card ( or physical card ) and Im not familiar with this merchant. I do not understand how they allowed this transaction to repeat XXXX times In a matter of minutes. It seems as if chime has not did a thorough investigation and has failed to protect me financially. This incident has caused a great loss.

Company response to consumer: Closed with non-monetary relief