vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 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: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Re : Account No. [ Insert Account Number ] Subject : Dispute of Billing Statement Violation Under TILA ( Regulation Z ) Dear, PENNYMAC LOAN SERVICES L I am writing to dispute the handling of the above-referenced account due to your failure to provide a periodic billing statement for the billing cycle ending [ insert date ], in violation of the Truth in Lending Act ( TILA ), Regulation Z, 12 C.F.R. 1026.5 ( b ) ( 2 ) ( ii ). This regulation requires creditors to mail or deliver a periodic statement at least 21 days before the payment due date. Your failure to comply renders any attempt to enforce payment or assess penalties for this cycle unlawful. 
As a result of this violation, I demand the following : 1. Immediate Reversal of Charges : Remove all late fees, penalties, or finance charges assessed for the billing cycle in question, as they are invalid under TILA. 
2. Correction of Credit Reporting : Delete any negative credit reporting related to this cycle from all consumer reporting agencies, as reporting inaccurate information violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ). 
3. Proof of Mailing or Delivery : If you claim the statement was mailed or delivered, provide documented proof, such as certified mail tracking records or evidence of electronic delivery with my prior consent and confirmation of access ( 12 C.F.R. 1026.5 ( a ) ( 2 ) ). The burden of proof lies with you, and failure to provide such evidence rebuts any presumption of compliance.

4. Compliance Verification : Furnish copies of billing statements for the past six months to confirm ongoing adherence to TILA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handing of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these funds was unfeasible. The CFPB findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable, and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

XXXX XXXX XXXXXXXX XX/XX/year> -- {$1400.00}

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 2025-10-07 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: MI

Complaint narrative:
These companies are reporting false information and Id like them to fix this from reporting on my report. Please remove.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: AZ

Complaint narrative:
On XX/XX/year>, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XX/XX/year>, at XXXX PM in XXXX, XXXX, per USPS Tracking # XXXX. This correspondence requested prompt investigation and correction or deletion of the following accounts : 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 After receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XX/XX/year>, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.

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 2025-10-07 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: IN

Complaint narrative:
Kindly remove this inquiry from my credit report as I did not initiate it and have no relationship with the associated creditors. I request its immediate removal to ensure the accuracy of my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding chime 's handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution failed to investigate my claims inadequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that chime has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: MD

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ  XXXX XXXX : XXXX XX/XX/year> To whom it may concern : I am writing regarding the above-referenced account. I request that you validate this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). I dispute the validity and/or amount of the debt and request that you provide the following information in writing : 1. The name and address of the original creditor.

2. A complete, itemized accounting showing how the alleged amount was calculated, including dates, charges, interest, fees, and payments.

3. Proof that you are licensed to collect debts in Arizona, and provide copies of any license numbers or registrations.

4. Proof that you are authorized to collect on behalf of the original creditor ( a copy of the contract or assignment showing chain of custody from the original creditor to you ). 5. A copy of the original signed contract or agreement bearing my signature that created the alleged debt. 
6. If you claim any judgment exists, provide a copy of the judgment document and details of where and when it was entered.

7. The name and address of the original creditor ( if different from above ) and the date the debt was incurred.

8. A statement whether the debt is within the statute of limitations in Arizona ; if you claim the statute of limitations has been tolled, provide documentation supporting that claim. 9. Identification of the person who verified the debt and the date of verification. 
While you are validating this debt, I request that you immediately cease all collection activity, phone calls, and reporting to any credit reporting agencies related to this account. If you have reported this debt to any credit bureau, please provide documentation of the date ( s ) and agency ( ies ) notified and remove any negative information until the debt is validated. 
Please send the requested information to the address above. If you can not provide the requested validation, you must cease collection activities and notify any credit reporting agencies to remove any adverse information you reported. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of transaction disputes, especially in light of the recent CFPB lawsuit that exposes significant shortcomings within the platform. Despite being a frequent user of Zelle and promptly reporting multiple discrepancies, both Zelle and my financial institution failed to conduct a proper investigation into my claims. I was informed that it was impossible to recover the lost funds or trace the disputed transactions. 

The CFPBs findings make it clear that Zelle has not only failed to safeguard consumers but has also allowed repeat offenders to continue exploiting the system, leaving users increasingly vulnerable to scams. This lack of accountability and transparency is deeply concerning and reflects a serious failure to uphold consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: CA

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 2025-10-07 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: TX

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
Its been thousands of dollars taken over these past few years of dealing with Chime and XXXX to the point I had to part ways with these companies a month ago. Ive reached out to them numerous of times and no action has been taken on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Kimball, Tirey & St. Johns is incorrectly listed as the original creditor. 
The true original creditor is XXXXXXXX XXXX managed by XXXX XXXX. 
Additionally, there are no ongoing payments or payment plan with Kimball, Tirey & St. Johns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my Gmail emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Velocity Portfolio Group
State: MI

Complaint narrative:
I am disputing an alleged debt originally with XXXX XXXX that was reportedly sold to Velocity Investments , LLC. 
On XX/XX/year>, I sent XXXX XXXX a written dispute and validation request under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the XXXX  XXXX Practices Act ( MCL 445.251 et seq. ), along with a cease-communication directive.

Later, I was informed the account was sold to Velocity Investments , LLC. 
On XX/XX/year>, I sent Velocity a certified letter disputing and requesting full validation of the alleged debt. I clearly requested that they cease all collection activities, including calls, letters, and credit reporting, until proper validation was provided. 

Despite that, on XX/XX/year>, I received a debt collection letter from XXXX XXXX XXXX XXXX XXXX, a law firm acting on behalf of Velocity. The letter stated that XXXX was a debt collector attempting to collect a debt and displayed their law firm logo and letterhead on the envelope and letter. 

No validation or documentation was ever provided prior to this letter. Therefore, Velocity and XXXX violated my rights under FDCPA XXXX ( b ) by continuing collection activity after a timely dispute. 

Additionally, XXXX letter and envelope violate 1692e ( 3 ) and 1692f ( 8 ) because : It used a law firm name and logo to create the impression that an attorney was involved or that legal action was imminent when no attorney had reviewed the account. 

The envelope and letterhead clearly identified the sender as a law firm/debt collector, revealing the nature of the communication. 

I also believe these actions violated : FDCPA 1692c ( c ) continuing to communicate after a written cease notice.

FDCPA 1692e ( 2 ) ( A ) false representation of the character and amount of the debt ( no accounting provided ).

MCL 445.252 ( a ), ( e ), ( f ), and ( n ) misrepresentation, false statements, and failure to obtain proper licensing for debt collection in Michigan. 

These companies ignored my lawful disputes and cease-communication rights, continued collection through a law firm without validation, and used deceptive tactics to pressure payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: PA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

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

Company 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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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 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 explanation