vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: DC

Complaint narrative:
I signed up for a {$350.00} new account opening bonus with Chime on XX/XX/XXXX. The terms of this offer were to get {$250.00} for setting up a direct deposit in the amount of $ XXXX, and to get up to {$100.00} in cash back on transactions made in the first 30 days ( 10 % cash back up to {$25.00} rebate per transaction ). I completed part XXXX and received {$250.00} as agreed upon. For part XXXX, avoiding all the exclusions that were comprehensively listed in the terms & conditions ( highlighted in that attached document ), I made purchases totaling {$940.00} between XX/XX/XXXX - XX/XX/XXXX ; I should receive {$94.00} in cash back. To date, I have received {$36.00} back ( 38 % of the agreed funds ) and {$58.00} is missing. 
During the first call I made on XX/XX/XXXX, the representative assured me that I met the terms and the cash back would be in my account by the end of the week. I called back on XX/XX/XXXX and they assured me the same but told me to wait until the end of the month. I called back on XXXX and the agent relayed that some of the transactions were excluded per the terms of service ( " any other transactions that Chime may determine at its sole discretion are not eligible to earn cash back '' ). A supervisor relayed that if the system doesn't register a transaction as qualifying, there is no way to add it manually so they are excluded. They refused to help me further or provide any alternate resolution for not carrying out the terms as stated, stating This is not ideal but this is the information we have. Therefore, XXXX transactions equal to {$58.00} in cash back ( 62 % of the agreed to funds ) don't qualify per a vague, non-specified clause in their terms. 
None of my XXXX transactions were the exclusions listed in the terms, but they were excluded per a system decision that was not disclosed to me as the consumer. This is deceptive and does not follow the terms as stated, as if most of the transactions are not eligible for cash back, those types should be disclosed in the terms and conditions along with the already listed types. Chime has left out not just some exclusions per their terms, but a multitude of exclusions that should be included in the list upon consumer sign-up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: VA

Complaint narrative:
My account was being accessed by individuals that were able to make transactions without my consent or without having my card which means my information was leaked its been multiple transactions I didnt make I been waiting on my refunds over a month & today I wake up & my account is negative XXXX $ & I didnt even use my card than keep charging me fees on the my pay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CashRepublic Holdings, Inc.
State: LA

Complaint narrative:
I am filing this report to explain the severe financial hardship caused by Omni Financial 's recent processing of my loan payment. XXXX took the payment from my bank account XXXX days after the agreed-upon due date. 
Because the agreed-upon date had passed, I believed the funds had already been withdrawn. The unexpected late draft caused my bank account to overdraft immediately. This unauthorized timing took the money my family had specifically set aside for groceries, and due to this action, I do not know how we are going to survive this week. 
Based on my review of the XXXX Consent OrdeXXXX regarding XXXX XXXX, this behavior appears to align with past practices identified by the Bureau. The CFPB previously found that XXXX required consumers to sign contracts authorizing them " to initiate an electronic-fund transfer on the first business day after the due date of a payment that has been missed ''. The Bureau found that conditioning loans on these preauthorized electronic fund transfers violated the Electronic Fund Transfers Act. 
I am requesting that this transaction be reversed immediately as it was not processed on the agreed-upon date, causing significant consumer harm.

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 2025-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Hello I was approved for a loss modification with payments due on XX/XX/XXXX no later than XX/XX/XXXX, XXXX and XXXX. The last payment must be paid no later than XX/XX/year>. The XXXX  sale is still proceeding although i have an approved modification and have made the first payment of {$6200.00}. I have reached out tot the mortgage company 's attorney of record about this and received no feedback.

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 2025-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Fay Servicing, LLC
State: AZ

Complaint narrative:
I am filing a complaint regarding serious issues with the foreclosure process on my property. The trustee ( XXXX XXXX XXXX, XXXX ) recorded multiple Notices of Trustees Sale that contain fraudulent and improper notary acknowledgments. These documents involve my property and at least XXXX other unrelated properties in Arizona. 

I discovered that the trustee reused the exact same notary acknowledgment pageincluding identical handwriting, identical signatures, identical dates, identical notary stamp placement, and identical typed notary name ( XXXX XXXX ) but the signature belongs to a different notary ( XXXX XXXX XXXX ). These notarized pages appear on different properties with different sale dates, yet the acknowledgment page is identical in every way. This indicates the notary acknowledgment page was copied, reused, or fabricated, which violates Arizona notary laws and federal foreclosure servicing requirements. 

In addition, after I filed a lawsuit challenging the foreclosure, the trustee recorded a Corrective Trustee Deed dated months later. Instead of correcting the irregularities, this document appears to be an attempt to cover up the earlier improper notarizations. It does not resolve the false acknowledgments or repeated notary page reuse. 

I believe the foreclosure process being used on my loan is unlawful, deceptive, and conducted in bad faith, and that my rights under CFPB servicing rules and foreclosure protections have been violated. These improper notarizations raise questions about the validity of the trustees authority, the accuracy of the documents, and whether the foreclosure should have proceeded at all. 

The beneficiary listed is U.S. Bank Trust National Association, not in its individual capacity but solely as Trustee of Fidelity & Guaranty Life Mortgage Trust XXXX, and they are responsible for ensuring all foreclosure actions follow state and federal law. They have failed to do so. 

I am requesting immediate federal review and protection before any further foreclosure action occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Predatory Lending, Criminal Usury & Deceptive Practices by NetCredit I am filing a formal complaint against NetCredit for violating Florida usury and consumer protection laws. 

NetCredit charged me an XXXX exceeding XXXX XXXX, far beyond XXXX legal limits. The loan terms were vague, misleading, and I was never provided with a copy of any signed contract. 

The lender continues to report the alleged debt to credit bureaus, causing harm to my financial reputation. 

These practices constitute : Civil and criminal usury Failure of clear disclosure Unfair and deceptive trade practices Predatory and abusive lending I request investigation, enforcement action, and corrective relief. 


Loan Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-12-03 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: MD

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: SC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
I am filing this complaint because my credit report contains accounts and inquiries that do not belong to me. These items violate my rights under FCRA 602 ( a ), 603, 607 ( b ), 609 ( a ) ( 1 ), 611, 604 ( a ) ( 2 ), and 615. They have caused harm, credit denial, and emotional stress, and I am requesting immediate CFPB intervention. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} Chargeoff I have no knowledge of this account. A charge-off reported without proof violates 602 ( A ), 607 ( B ), 611, and 623, and can not remain. Delete this account immediately. 

XXXX XX/XX/XXXX Unauthorized inquiry with no permissible purpose, violating 604 and 607 ( B ). Remove it. 

XXXX XX/XX/XXXX XXXX did not authorize this inquiry. It violates FCRA 604 and 607 ( B ) because no permissible purpose exists. Remove it. 

XXXX XXXX, XXXX XXXX XX/XX/XXXX This inquiry was never approved by me and violates 604 and 607 ( B ). Delete it. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry is unauthorized and violates 604 and 607 ( B ). Remove it. 

These items are unverified, inaccurate, and harmful. I request that the CFPB require immediate deletion of all disputed information and ensure my report reflects only accurate and lawful data.

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 2025-12-03 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: Early Warning Services, LLC
State: MA

Complaint narrative:
Ive only had XXXX bank accounts, which was XXXX XXXX Bank and XXXX XXXX XXXX XXXX. I have only ever lived in the state of Massachusetts, Maryland, XXXX XXXX and XXXX XXXX. On my report, it states that I had more bank accounts than I ever had and lived in multiple states than I ever lived in, which is causing me not to be able to open up bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Sunbit, Inc.
State: OH

Complaint narrative:
Saw on my credit report a credit card issued by SUNBIT, INC on XX/XX/XXXX XXXX Credit available is {$5000.00}. SUNBIT address is XXXX XXXX XXXX XXXX XXXX California XXXX XXXX. Telephone number is XXXX. 

I did not open this account or ask for a credit card to be issued to me from this company. 

The CFPB is requesting information that I do not have. I do not know what the card number is ( I don't have access to that ). I also do not know what address they used that is linked to that card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-03 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: VA

Complaint narrative:
I firmly demand that the late payments reported under my account with Equifax be thoroughly reviewed, as they are inaccurate and unjustly reported. 

XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2025, Balance : {$160.00} XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/2025, Balance : {$170.00} XXXX demand the immediate removal of these late payments from my credit report as they are inaccurate and unfairly affecting my credit score. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MD

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint because a debt collector is attempting to collect and report an alleged debt without providing lawful validation as required under the FDCPA ( 15 U.S.C. 1692g ), Regulation F ( 12 CFR 1006.34 ), the FCRA, and New Jersey state laws, including the NJ Consumer Fraud Act and the NJ Consumer Finance Licensing Act. 
I formally disputed the alleged debt and requested full validation, including : identification of the original and current creditor, a signed contract or compliant electronic agreement, itemized accounting of all amounts, complete chain of assignment/bills of sale listing my specific account, original statements, proof of charge-off, proof the debt is within the New Jersey statute of limitations XXXX proof of an active NJ debt collection license, and evidence their initial notice met all Regulation F disclosure requirements. 

The collector has * * not provided legally sufficient verification * *, and instead continues credit reporting and/or collection activity. Reporting and collecting on an unverified debt violates FDCPA 809 ( b ) and FCRA 623 ( a ) ( 3 ), as well as New Jersey laws prohibiting deceptive or unconscionable practices under XXXX. XXXX. 

Until full validation is provideddirectly from the original creditor, not internal summariesthe collector is required to cease all collection efforts and stop furnishing negative credit information. Failure to do so constitutes continued violations of federal and state law. 

I am requesting CFPB assistance to : XXXX. Require the collector to provide full and complete validation ; XXXX. Ensure they cease collection until validation is supplied ; XXXX. Correct or remove any unverified credit reporting ; and XXXX. Ensure compliance with FDCPA, Regulation F, FCRA, and New Jersey statutes. 

Account : Credit Collection Services - XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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 request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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