vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: Chime Financial Inc
State: OH

Complaint narrative:
I have been getting several emails from Chime ( I never had or have a Chime account ). They say the card has arrived and needs to be activated. I never clicked on any of the links. It also said that I made payments to people with this card which I never opened. Also, the person addressed to in the email is my sister in law XXXX XXXX who doesnt have a Chime account either. 

I keep getting unsolicited emails from them. I will be blocking further emails from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: CA

Complaint narrative:
My Cash App card has been locked, and I understand that verification is required to unlock it. Unfortunately, I no longer have access to a valid government-issued ID, and I prefer not to submit onXXXX even if I had it. 

I am the rightful owner of the account and can verify my identity through other means, such as confirming my full name, date of birth, SSN, past transaction history, and linked bank account details. I would like to request one of the following : XXXX. An alternative method of verification that does not require a physical ID. 
XXXX. If that is not possible, I respectfully request that the remaining balance in my account be refunded to my linked bank account or debit card on file. 

Please let me know what steps I can take to resolve this situation. I appreciate your time and understanding. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/scrub>XXXX XXXX XXXX  I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely XXXX XXXX XXXX XXXX. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is in violation of 15 U.S.C. 1681i ( a ) for failing to conduct a reasonable reinvestigation after I disputed inaccurate late payments on my student loan and auto loan accounts. They are also in violation of 15 U.S.C. 1681e ( b ) for failing to maintain maximum possible accuracy of the data in my credit file, despite receiving evidence from the data furnishers confirming that no late payments occurred.

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 2025-05-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
So I accidentally said there was a transaction I didnt make but it was a transaction I did make but now it says my card is on hold which is bad. I dont need the money back I would just like to take my Visa card off of hold so I can use it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
An unverified and incorrect account is reporting damaging information to my credit report and despite my efforts in disputing this account for reporting charged off every month when a account can only be charged off once and also have not provided correct documentation to verify that this account is even mines.TransUnion, Experian, and Equifax will not properly investigate and remove 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 2025-05-03 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: IL

Complaint narrative:
An unverified and incorrect account is reporting damaging information to my credit report and despite my efforts in disputing this account for reporting charged off every month when a account can only be charged off once and also have not provided correct documentation to verify that this account is even mines.TransUnion, Experian, and Equifax will not properly investigate and remove this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: STOCKTON MORTGAGE
State: KY

Complaint narrative:
Me and my son bought a house with Stockton Mortgage. It's a hud XXXX loan cause the house needs finished. The previous owners was remodeling and was incomplete. We signed closing papers XX/XX/XXXX and the house is still incomplete. XXXX has allowed the hud consultant to do picture inspections. The hud consultant was only at the house XXXX times that was first visit and I had to request him back to look at the floors that the contractor had done a horrible job on. I have a email from one employee that was overseeing my loan saying that she usually doesn't handle that kind of loan. I have been told twice that keeping my contractor was my only option. I did for awhile and then I sent him a letter terminating him.the hud consultant thinks that they had finished enough work to get over XXXX more dollars and here we are still no water, no toilets, no bathtub. There is kitchen cabinets but no countertops which was paid for. Again no in person inspections. I sent pictures to him showing it was incomplete. We signed a arbitration agreement but there was nothing of the sort .. in contract there wasn't supposed to be XXXX or XXXX days without work being done, but most of the time it took that long to get a draw from one site which XXXX was final decision on the draws. I contacted better business break. They told bbb It was resolved without reaching out to me. I call XXXX office and they call and find out i have to refinance or face foreclosure. A payment has never been missed exta was paid in escrow to make sure we had enough for insurance and taxes. Now here it is XXXX months later and still hasnt been refinanced. We have paid {$1700.00} a month since XX/XX/XXXX. I purchased this house because i was flooded in XXXX and here it is again i was flooded again in that same house. That could have been avoided if everyone involved was doing their job. I talked to a lady at Stockton today and yold her i will not be making any payments until i was in that house.im now to the point i dont want this house it has been nothing but stress and aggravation. I have been under so much stress i was put in hospital and had to go to XXXX after that cause of chest pains. I feel that Stockton has breached their contract. I have seen three different lawyers in my area and none of them have knowledge of hud loans and don't know anyone in area that does. So only option is to let the house foreclose just to get in front of a judge .. but Stockton is a big cooperation and I'm a nobody .. if you don't handle something like this please if you can point in the right direction. Thank you XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
See CFPB complaint XXXX. Equifax didn't resolve anything. CFPB didn't do anything either. 

This may sound trivial but I truly need help with Equifax. Several weeks ago, I lost all the passwords on my laptop. Unfortunately, I can't recover the password to log into Equifax. For nearly XXXX weeks, I've attempted to perform a password recovery using the Equifax automated system. Also, I've attempted to call several times. I am unable to speak to a live person to get help. Currently, my credit is frozen with equifax. I need to reset my password so that I can access my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am writing to formally dispute the validity of the XXXX XXXX credit card account open in my name. I have no knowledge of authorizing or opening this account and unaware of its existence until contacted by the debt collector. When this account was reported and open, I was a victim of credit card fraud and it appears this fraudulent activity may be related. I have already contacted the credit card company regarding this matter and informed them of the fraudulent nature of this account. This company is trying to sue me for XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leave my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: Nelnet, Inc.
State: FL

Complaint narrative:
To Whom It May Concern : Subject : Formal Complaint Regarding Continued Reporting and Collection of Student Loan Debt Following Executive Order to Dismantle the XXXX Department of Education I am writing to formally lodge a complaint against NELNET loan servicer, XXXX XXXX XXXX XXXX concerning the ongoing reporting and collection of student loan debt. This action persists despite the issuance of an Executive Order by President XXXX XXXX XXXX on XX/XX/year>, directing the Secretary of Education to facilitate the closure of the XXXX Department of Education and transfer its functions to other federal agencies. 

Attached are documents as proof of my address on my XXXX and account and of all loans serviced by NELNET loan serviced account number XXXX Complaint Details : XXXX. Unverified Credit Reporting : The aforementioned credit bureaus continue to report student loan obligations that are now under the purview of different federal entities, raising concerns about the accuracy and verification of such information. 
XXXX. Failure to Validate Debt Ownership : The loan servicer has not provided adequate documentation to establish legal ownership, collection rights, or servicing obligations, especially in light of the administrative changes following the Executive Order. 
XXXX. Potential Violations of Federal Law : The continued collection efforts may constitute violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), given the uncertainties surrounding the legitimacy and enforceability of the debts in question.

Requested Actions : Immediate cessation of all collection activities related to the aforementioned student loan debt. 
Removal of related entries from my credit reports maintained by XXXX XXXX XXXX XXXX. 
Provision of comprehensive documentation validating the legal basis for the debts collection and reporting. 

Should these matters not be resolved promptly and satisfactorily, I reserve the right to pursue further legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: TX

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the credit reporting agency must investigate within XXXX days and correct or delete inaccurate info. 
15 U.S.C. 1681s-2 ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: MI

Complaint narrative:
I am writing to request a investigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : XXXX XXXX XXXX / XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wels fargo secure credit card never received they said I went over limit but it was a secure credit card kept my deposit and still shows as charge off

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Re : Formal Dispute and Debt Validation Request under the FCRA and FDCPA To Whom It May Concern : This letter serves as a formal dispute and request for debt validation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am writing to dispute an account listed on my credit report under the name XXXX XXXX XXXX with account number XXXX. 

I am requesting that you investigate and validate this account, and provide all documentation used to verify its accuracy. In accordance with the FCRA, please complete this investigation within 30 days. 

Please request the following information from the furnisher of this account : XXXX. A full payment history and breakdown of the alleged debt. 
XXXX. The name and address of the original creditor. 
XXXX. A copy of the original signed agreement. 
XXXX. Proof that the debt is within the statute of limitations for legal collection. 
XXXX. Documentation verifying the accuracy and legitimacy of the account. 
XXXX. Chain of title proving the debt was legally transferred to the current holder. 

If the furnisher of this information can not provide full verification, I request that this account be removed from my credit report entirely and that you provide confirmation of its deletion in writing. 

Failure to comply with these requirements may be considered a violation of federal law and reported to the Consumer Financial Protection Bureau ( CFPB ). 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: NY

Complaint narrative:
In accordance with the fair credit reporting act, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  amount of {$9000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing once again to formally request the correction and removal of inaccurate personal information appearing on my credit report maintained by your agency. This is my second attempt, and I am disappointed that the corrections I previously submitted have not yet been reflected in my file.

As outlined under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I have the right to dispute inaccurate or incomplete information on my credit report, and your agency is legally obligated to investigate and correct any inaccuracies within 30 days of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Keowee Auto Sales, Inc.
State: OH

Complaint narrative:
I purchased a vehicle from Keowee Auto Sales in XXXX, Ohio, on XX/XX/year>. I made a {$3000.00} down payment, but was financed at a 23.89 % APR with a total finance charge of over {$4200.00} on a used vehicle priced at {$12000.00}. The dealer included various fees and extended the loan over XXXX bi-weekly payments, leading to a total repayment amount of {$14000.00} over {$17000.00} when including my down payment. 

I believe this loan is predatory and may violate fair lending standards. I was not offered any reasonable explanation for the excessive interest rate, despite stable income and providing a substantial down payment. 

I am requesting an investigation into the loan terms and dealer practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
My personal and financial information was compromised without my authorization.

Company response to consumer: Untimely response