vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: ND

Complaint narrative:
Back in XXXX I got my wallet stolen at a XXXX and there were 3 credit cards opened under my name that were not mine. I have had to dispute every card and o ly one remains now which is a store card opened at XXXX XXXX. I had previously disputed this and on 2 credit bureaus they removed the card as fraudulent. I am trying to remove it from all and I made an FTC to report the fraudulent account, I sent a copy to the debt collector and XXXX letting them know of the fraudulent account. On XX/XX/XXXXXXXX XXXX XXXXXXXX responded without attaching any of the requested documents and stated in their letter that according to their opinion it was my debt because information found on my credit report matched what they had at the time the account was opened. This is not sufficient evidence as the documentation i requested has not been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
I received my paycheck in the account on XX/XX/year> once my check hit the account chime pulled the money I owed for my spot me and then at XXXX I recieved an email that they closed my account I have called twice both times im on hold for over 30 minutes and then this last time I asked where my money is at they refused to tell me why they closed it or where my money went and then the lady just hung up on me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-05 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: FL

Complaint narrative:
I am a victim of a recent data breach, and I have discovered fraudulent accounts on my credit profile. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$61.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX 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 : {$990.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXXXXXX XXXX XXXXXXXX XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-06-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit
State: AP

Complaint narrative:
I am an XXXX XXXX member in the XXXX XXXX XXXX and I received XXXX XXXX XXXX XXXX XXXX XXXX  ) orders to transfer overseas to XXXX. In accordance with the XXXX XXXX XXXX XXXX XXXX XXXX  ), I submitted a formal request to terminate my vehicle lease with XXXX XXXX XXXX, along with a copy of my official XXXX orders. 

Despite meeting the requirements outlined in the XXXX, the dealership has continued to charge me fees for early termination of the lease. I submitted my termination request in XX/XX/year>, and returned the vehicle shortly afterward. XXXX was informed in writing that I was relocating due to XXXX  orders and that the XXXX legally protects me from lease termination penalties under these circumstances. 

As of XX/XX/year>, I have been billed a total of {$2100.00}, which includes charges I believe violate my rights under the XXXX. I have attempted to resolve the issue directly with XXXX, but they have not reversed the charges or acknowledged the protections I am entitled to under federal law. 

I am requesting that the CFPB investigate this matter and assist in ensuring that the dealership complies with the XXXX XXXX XXXX XXXX, removes any unlawful charges, and ceases further attempts to collect on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax was sent letters to verify the Bankruptcy, how they verified, and proof of verification. On XX/XX/year>, XX/XX/year>, and XX/XX/year>, they have failed ; also, they show it's verified, and I have a letter included from the Bankruptcy courts stating they do not report or verify to credit reporting agencies. Equifax stated they verified with the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Americas Car-Mart, Inc.
State: TN

Complaint narrative:
XX/XX/year>- was told by company that I owed {$1700.00} during tax season and I was trying to figure out why, because I was not behind on my payments nor was I late paying weekly. 

Once I received the call from them after XXXX  days they were very rude and XXXX about telling me how I owed {$1700.00} during tax season and expected me to pay that {$1700.00} within a XXXX  balance which is very impossible ( since I was paying {$300.00} a week for the vehicle ) so some time goes by and XXXX still making those XXXX payments, I get a call from the company and they tell me my account is over due and that I needed to pay and I did just that over the phone. 

Once I did that and they refreshed my account they seen I had only paid {$400.00} ( {$300.00} for the regular car payment and {$100.00} towards the {$1700.00} ) the lady then proceeds to tell me that I shouldnt have gotten such a expensive vehicle if I couldnt afford it and then tells me that I need to make another payment and I made another {$300.00} payment she begins to tell me that it was fine and that Id have to make a {$700.00} payment the XXXX XXXX and I agreed, once that XXXX  came about I was just getting off of work and I came home, once I got home a tow truck came by and he told me that the company had paper work to repossess my vehicle for XXXX weeks and that he just couldnt catch me cause of the hours I work. 

Once the tow man took the vehicle I tried calling and they never answered the phone XXXX  after the incident happened, still to this day I havent heard anything about the vehicle or if its been sold already or anything and its currently still on my XXXX XXXX XXXX XXXX XXXX XXXX when I havent had the vehicle in XXXX months now!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Experian/Equifax is reporting a XXXX XXXX credit card with late payments and a current balance. This account was opened in XX/XX/year>XXXX  during a time when my personal information was misused and distributed without authorization. I am submitting my FTC Identity Theft Report and passport ID as formal notice under FCRA 1681c-2. This tradeline was furnished without verified consent or validation of identity and has not been confirmed by the furnisher under FCRA 1681e ( b ) and 1681s-2 ( b ). The continued reporting of this account is inaccurate, harmful, and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
My credit file has been compromised as a result of a data breach, causing fraudulent accounts to be listed. Under Section XXXX of the FCRA ( XXXX XXXX. XXXX ( a ) ), I demand these accounts be blocked and removed within XXXX days : Also, would like to have all XXXX XXXX XXXX  REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : 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 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 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 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 2025-06-06 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: TX

Complaint narrative:
I am reporting a fraudulent XXXX  account listed that does not belong to me. I did not authorize this account, nor was I aware of its existence until it appeared on my credit report. I strongly suspect this account is the result of identity theft. 
Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
The only way a creditor can treat a payment as late falls under XXXX XXXX Code XXXX - Timing of payments ( a ) Time to Make Payments A creditor XXXX not treat a payment on a XXXX XXXX  account under an XXXX XXXX XXXX XXXX  plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : The information required under XXXX XXXX XXXX ( b ) of this title was mailed out or delivered XXXX  Days before the payment due date please provide the proof that this information was mailed out or delivered XXXX  days before the payment due date. 
XXXX XXXX XXXX ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have XXXX days to send me all the required information. 
A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule XXXX the documents that shows proof that the information pursuant section XXXX XXXX XXXX and XXXX ( b ) of this title was mailed out or delivered XXXX days before the payment due date. 
Do not rely to me stating that you are furnishing accurate information because we both know your not. 
Do not tell me this information is verified because you have not submitted proof of compliance with section XXXX XXXX XXXX ( XXXX ) XXXX and XXXX XXXX XXXX & XXXX ( b ). 
If you can not provide the proof of the mailing or delivery of the information required by section XXXX you can not treat a payment as late which means you have also violated section XXXX XXXX XXXX. You have XXXX Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
I am a XXXX XXXX XXXX employee working in healthcare and have been making qualifying payments under the ( XXXX ) program for XXXX years. As of now, XXXX of my Direct Consolidation Loans serviced by MOHELA show XXXX qualifying XXXX  payments each. However, XXXX additional payments are still listed as needing employer certification despite my repeated submission of the XXXX XXXX XXXX XXXX. I have submitted all required documentation, including employer XXXX forms, multiple times over the past XXXX years. MOHELA has failed to process them or provide any valid explanation. 

I have made repeated attempts to resolve this directly with MOHELA through phone, email, and online messaging, but they have not responded or corrected the record. I filed complaints with the XXXX Ombudsman, submitted formal feedback through the Department of Education, and even contacted the XXXX XXXX  who ultimately deleted the loans due to reporting inaccuracies. MOHELAXXXX lack of action is not only XXXX  is actively obstructing my path to loan forgiveness, despite my clear eligibility. 

On top of that, I am currently enrolled in college, but MOHELA is not recognizing my iXXXX status on my newly disbursed loans, which could impact deferment eligibility and reporting accuracy. While MOHELA delays, interest continues to accrue on loans that should be nearly forgiven. I am now only XXXX payments away from the XXXX required, and due to MOHELAXXXX failure to act, I remain in limbo. 

I am requesting immediate correction of my XXXX payment count, recognition of my XXXX  school enrollment, proper resolution of all outstanding payment verifications, and the removal or reversal of any interest charged during this period of XXXX inaction. This has caused significant financial and XXXX XXXX and I am requesting full oversight and intervention by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: AZ

Complaint narrative:
Subject : Request for Deletion and Blocking of Accounts Due to Data Breach Due to exposure of my personal data during a breach, fraudulent accounts now appear on my credit report. Under Section XXXX of the FCRA ( XXXX XXXX. XXXX ( a ) ), I request their immediate blocking and deletion within XXXX days : Also, would like to have all XXXX XXXX XXXX REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX listed below :  Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Please delete and block the following accounts from my credit report 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

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 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: PA

Complaint narrative:
My account was closed by Chime on XX/XX/XXXX at XXXX est without reason or explanation other than it was closed " following a recent review of your account ''. 
Several calls to the member XXXX  team yielded no explanation on why the account was closed, refund of the my balance at the time of closure ( {$2100.00} XXXX, {$220.00} XXXX, {$93.00} credit ), or any further instruction on how to resolve the issue. 
The member XXXX team said I was in violation of their terms and agreements however they could not specify what exact term of their agreement I violated. and that I was not eligible for a refund of the amounts listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for XXXX XXXX XXXX ) XXXX XXXX XXXX acct # 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 non-monetary relief
Consumer complaint received 2025-06-05 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX {$600.00} When I Authorized {$200.00} Still No Refund What happened? 

On XX/XX/year>, I made a {$200.00} payment to XXXX XXXX XXXX for my monthly bill through their app. I double-checked the amount before submitting, but for some reason, they pulled {$600.00} from my bank account instead. 

I contacted XXXX XXXX XXXX  immediately and was told theres nothing they can do because it was an ACH payment. They said I have to wait XXXX business days for the refund to process, even though it was their mistake. 

This overcharge has completely wiped out my account. I have no money left for food, gas, or bills, and XXXX XXXX XXXX wont offer a faster solution. Ive asked multiple times for them to escalate the issue and was told no. 


What I want XXXX XXXX XXXX to do : Return the extra {$400.00} immediately Explain why this happened in the first place Fix their process so this doesnt happen to other people How this affected me : This has left me without money to meet basic needs. I didnt make a mistakeAXXXX XXXX XXXX  didand now XXXX being told to just wait while they hold onto my money. Its 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 explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: KS

Complaint narrative:
I was notified by Chime that my XXXX XXXX XXXX XXXX XXXX account were closed with no notice before they did it, so I could not get my money out of the account. And it happened just moments after my deposit from work was deposited. When I called they said they might send it to the state or original creditor and had no further information. No funds have been received. There was no activity on my account that should have led to my account being closed.

Company response to consumer: Closed with monetary relief