vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Phone : ( XXXX ) XXXX Email : XXXX To Whom It May Concern, I am writing to request validation of the debts you claim I owe, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide documentation for each of the above accounts, including : 1. The name and mailing address of the original creditor 2. A copy of the original signed agreement or contract that created the debt 3. A full itemization of how the total amount was calculated 4. Proof that you are licensed to collect debts in the state of Arkansas 5. A copy of any judgment ( if applicable ) Until you provide the above documentation, I am requesting that all collection activity cease immediately, including any communication via phone or email, and especially any reporting to the credit bureaus.

Additionally, if you have reported these accounts to any credit reporting agencies, please mark them as Disputed as required under the Fair Credit Reporting Act ( FCRA ). 

This is not an acknowledgment of any liability. I am simply exercising my rights under the FDCPA to request proper verification. 

Please respond in writing to the address listed above within 30 days. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Great American Finance Co
State: CA

Complaint narrative:
Great American Finance XXXX Great American Finance is reporting a charged-off account on my XXXX  file. The balance and reporting dates are inconsistent. I believe the account may have been re-aged. No original contract or delinquency records have been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: GUARANTEED RATE INC.
State: UT

Complaint narrative:
On XX/XX/XXXX, I applied for a personal loan with Guaranteed Rate. About a week later, my application was denied for the stated reason unable to verify identity. This decision is inaccurate and unsupported by the facts. 

I fully complied with every verification request, providing : My government-issued ID Complete XXXX and XXXX bank statements ( all pages ) Personal family information ( including my brothers name ) Answers to every verification question asked, even irrelevant ones such as why my phone number is from XXXX my XXXX report showing prior XXXX addresses followed by my Utah address XXXX where I have lived since XXXX. 

My identity profile is consistent and low risk : Same phone number since grade school Same address for nearly a decade Email account active for almost 10 years No changes to my credit profile during the application process My credit score has only increased since I applied Despite all of this, Guaranteed Rate failed to verify my identitysomething modern tools like XXXX, XXXX, or Persona can easily accomplish. During the process, the compliance officer even overlooked obvious details, such as my partner being listed as a joint account holder on my bank statements ( clearly shown on page 2 ). I had to point this out to them, which raises serious concerns about the accuracy and thoroughness of their review. 

I am prepared to verify any and all personal and financial information again, but this denial was made without valid cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: SC

Complaint narrative:
A company named Money Lion R, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, initiated a debit transaction, in the amount of {$94.00}, from my XXXX XXXXXXXX XXXX XXXX XXXX XXXX checking account. This company used a new debit card that I obtain XX/XX/year>. I did not give this company access to my account nor did I authorize them to debit my account using the debit card. Upon reviewing my bank account this morning, XXXX XX/XX/year>, approximately XXXX, I noticed the transaction. I promptly called the banks Fraud Department at their number XXXX ( XXXX ) XXXX and reported the unauthorized transaction and as well, to report the company of committing fraudulent activities on my account. After discussing my issue with this department, for 1hr and 1min,,, and with 3 separate representatives, including a floor supervisor named XXXX, my concerns were unresolved and communication between myself and all 3 members seemed unclear. After coming to the conclusion that they were unwilling to assist me, because I was constantly repeating myself, asking my questions in a different manner, and constantly asking them to please stop interrupting me so that they can get a clearer understanding of what Im asking, I resolved to just asking them for their companys contact information to file my complaint against them. XXXX, refused to give me any further information. She repeatedly stated that they are the banks fraud department and their name is the same as the banks name and that they dont have a company website nor a complaint department. I asked her to confirm that my conversations were recorded, she did confirm that it was. I requested a copy of the transcript, she refused and stated that I needed to get that from the bank. She also would not provide any information on the previous employees that I spoke with prior to her. Promptly after our conversation ended, I called the banks Fraud Department and asked for the Bank manager. She was with a client, so I explained to the banks representative, XXXX and she assisted further. When I went into the bank to sign the documents, I inquired about the the fraud departments name and to request a copy of the transcript. The teller, XXXX, stated that the fraud department is a 3rd party company and that is not their name. She instead, gave me the XXXX XXXX XXXX print out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information on my credit report due to identity theft. I recently reviewed my credit report and discovered unauthorized accounts and/or transactions that I did not open or authorize. 

The following fraudulent accounts/transactions have been identified : Inquires- 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information on my credit report due to identity theft. I recently reviewed my credit report and discovered unauthorized accounts and/or transactions that I did not open or authorize. 

The following fraudulent accounts/transactions have been identified : Inquires- 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

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 2025-08-06 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:
I am writing to formally dispute inaccurate and fraudulent information on my credit report due to identity theft. I recently reviewed my credit report and discovered unauthorized accounts and/or transactions that I did not open or authorize. 

The following fraudulent accounts/transactions have been identified : Inquires- 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

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 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am filing this complaint because Chime denied multiple fraud disputes on my account, despite the fact that I did not authorize or perform the transactions. 

On XX/XX/year>, there was an unauthorized ATM withdrawal of {$500.00}. On XX/XX/year>, a transaction for {$84.00} at XXXX was also posted without my knowledge or consent. Another unauthorized transaction for {$75.00} at XXXX XXXX appeared on XX/XX/year> at XXXX PM. 

I disputed these charges with Chime and included a police report, but all three were denied without explanation. I was not at the locations of these transactions, nor did I authorize them. I have no relationship with these businesses and did not withdraw any funds at that time. I attempted to provide additional location evidence from my device, but I was unable to retrieve historical data from that date due to system limitations.They didnt give valid reason to why it was denied I escalated the matter, submitted multiple disputes, and even requested reinvestigation ( Dispute # XXXX and Dispute # XXXX ), but they continued to deny my claim. Chime has failed to act in good faith, failed to explain their denial adequately, and has not refunded the fraudulent charges, despite clear evidence and my sworn statement that I did not authorize the transactions. 

I am requesting that Chime be required to conduct a fair reinvestigation under Regulation E and refund all unauthorized charges, totaling {$660.00}. 
I Sent in a police report also I am attaching screenshots of my dispute history and the dates of denial. I also have a police report available if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Starmark Financial LLC
State: MS

Complaint narrative:
I formally requested in writing that Starmark cease contacting my workplace on XX/XX/year>. They contacted my job again on XX/XX/year>, which is a direct violation of the FDCPA. I am now seeking legal options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: U.S. BANCORP
State: NC

Complaint narrative:
I received a notification in the mail from US Bank that my application for a XXXX XXXX XXXX  has been approved and the card has been mailed to an address. I never applied for a business credit card nor am I familiar with the address that the letter referenced for mailing the card to. I called US Bank to ensure this fraudulent account was closed and inquired how they opened this without my knowledge or consent. I have a credit freeze in place so there should have been no possible way to open this account.

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 2025-08-06 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
We rented a car in XXXX XXXX, XXXX XXXX from XXXX till XXXX, using our Citi Platinum MasterCard to pay. We paid the merchant, XXXX {$490.00} for a fully insured vehicle with XXXX out of pocket responsibility even if the car was totaled as shown in the contract. We returned the car in time and got the clearance to go. A few days later, the merchant unlawfully charged my card {$2000.00}. We immediately stopped the card and filed a claim with Citi XXXX XXXX, providing all documents and receipts. 
XXXX months later, the dispute center informed us that the merchant provided some documents, basically receipts for fixing a scratch on XXXX door. As such, the center decided in favor of the merchant, clearly missing the fact that the car was fully insured. 
We tried numerously to contact the Dispute Center to explain what they missed, but no one was willing to talk to us, nor to justify their decision. Citibank, our bank for more than XXXX XXXX failed to protect our money from an overseas scammer for the amount of {$2000.00}.

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 2025-08-06 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: MI

Complaint narrative:
I am filing this complaint against the three major credit reporting agencies Equifax, Experian, and TransUnion for failing to comply with the requirements of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i, which governs the reinvestigation of disputed information.

Despite submitting formal disputes requesting verification and proof of accuracy of certain negative items on my credit reports, none of the bureaus provided the legally required evidence or results of their investigations within the 30-day time frame as mandated by the FCRA. They have continued to report inaccurate or unverifiable information, causing direct harm to my creditworthiness

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: MI

Complaint narrative:
I am filing this complaint against the three major credit reporting agencies Equifax, Experian, and TransUnion for failing to comply with the requirements of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i, which governs the reinvestigation of disputed information.

Despite submitting formal disputes requesting verification and proof of accuracy of certain negative items on my credit reports, none of the bureaus provided the legally required evidence or results of their investigations within the 30-day time frame as mandated by the FCRA. They have continued to report inaccurate or unverifiable information, causing direct harm to my creditworthiness

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 2025-08-06 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I originally purchased a XXXX XXXX laptop from Best Buy in XX/XX/year> for around {$600.00} under a XXXX no-interest payment plan. I agreed to pay {$30.00} per month and have consistently made payments often {$30.00} to {$50.00} or more. 
Later, I made additional purchases : a countertop ( {$200.00} ) and another item ( ~ {$150.00} ), and continued paying on time. But without clear notice, Best Buy and Citibank increased my minimum monthly payment to around {$80.00}. This made it appear as if my {$50.00} payments were late, even when I was paying regularly. As a result, I was unfairly charged late fees and interest. 
On top of that, I was charged for a different desktop computer that I never received. I never signed for it, and it was a mix-up caused by Best Buy. I submitted a complaint to the XXXX XXXX XXXX XXXX XXXX XXXX and after review, they acknowledged the mistake and credited my account approximately {$900.00}, which included the cost of the missing computer, interest, and late fees. 
Now, however, Best Buy/Citibank is again trying to charge me as if the issue was never resolved. I believe this is a pattern of predatory lending and deceptive billing. I request that this matter be investigated and that my account be corrected once and for all. 
________________________________________

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