vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Executor of my deceased brothers estate. Have been attempting to receive payout of overpaid escrow since XXXX. We have mailed in on XXXX separate occasions paperwork they said they needed. We have gone to XXXX separate local XXXX Banks in person for them to XXXX fax them and XXXX attach in email form. Last XXXX mail was sent XX/XX/XXXX from XXXX location. Called them this afternoon and once again they said they did not receive all paperwork. Verified through local branch yes those documents were sent with attachments. We have contacted them on several occasions only to be given different information each time. It is a small amount but by withholding this payout to the estate I have been unable to close the estate. By delaying, delaying, delaying they are basically withholding funds owed to us and putting me, the executor in legal jeopardy. They have now withheld our money for XXXX months.

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 2025-09-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Viva Finance Inc.
State: CA

Complaint narrative:
I am writing to dispute an inaccurate 30-day late payment report on my VIVA account XXXX which I was alerted to by XXXX XXXX XXXX  XX/XX/XXXX. This negative report is for a missed XX/XX/XXXX payment, but I have not missed a payment. 

In XX/XX/XXXX, I set up a new automatic payment arrangement from my personal checking account as this was previously setup through a payroll direct deposit when I was an employee with XXXX XXXX. When I left XXXX XXXX for employment with the XXXX XXXX XXXX XXXX contacted VIVA and explained I can not have more than one direct deposit setup with my new payroll, and since I was unable to pay the loan in full I would need to continue on payments until the loan was paid off. I was able to setup the automatic payment and gave the representative my personal checking routing and account number. A payment for the current month was processed, and from my acceptance of the verbal agreement, to my knowledge I was on a scheduled auto payment. The auto payments seemed to work flawlessly until VIVA failed to process the XX/XX/XXXX payment. I was not notified by XXXX of late payment by phone, mail, or email, and I was not given any notice that my auto payment was cancelled. I have had the same routing and account number for XXXX XXXX XXXXXXXX XXXX  for over 7 years, and this the same information that was accurately given to VIVA. After receiving an alert for a negative 30 day late, I contacted VIVA and a representative informed me that the auto-payment was incorrectly set to expire, which I was never informed about. 

When I escalated the issue, VIVA claimed the agent who setup my auto payment payment was returned due to insufficient funds. This is false. My bank statement clearly shows I had more than enough money to cover the {$79.00} payment on the due date. I have attached copies of the only email correspondence I received from VIVA regarding this issue following the phone call on XX/XX/XXXX and a copy of my bank statement showing that if they tried to attempt a payment on XX/XX/XXXX I had more than enough money in my account to cover 1 monthly payment. 

VIVAs system error and false reporting of insufficient funds are the sole reasons for this issue. I was never notified of the missed payment. This unfair and inaccurate report is significantly damaging my credit score, and I am in the middle of a home refinance. 

I request the immediate removal of the 30-day late report from my credit file. All outstanding payments have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute of the account listed on my credit file under the name XXXX XXXX XXXX XXXX XXXX with account number ending in XXXX. 

I previously requested full validation from the debt collector and received documentation that fails to meet federal standards for lawful verification. The contract submitted contains an unverifiable electronic signature and reflects an outdated address not associated with me. Additionally, the chain of assignment provided is incomplete and lacks proper authorization from the original creditor granting XXXX XXXX XXXX XXXX, XXXX authority to collect or report the alleged debt. 

Furthermore, the address listed on the documentation provided by the collector does not match the address on my government-issued ID, license, or any records I maintain with state or federal institutions. This discrepancy further calls into question the legitimacy and accuracy of this account.

As a documented victim of the 2017 Equifax data breach ( FTC Identity Theft Report # XXXX ), I am particularly concerned about the accuracy and integrity of any account being reported under my name.

Under the Fair Credit Reporting Act ( FCRA ) 611, I am formally requesting that you reinvestigate this account and delete it from my credit file unless the furnisher can provide : 1. A complete, legally binding contract showing my wet or verified e-signature with consent per the XXXX XXXX. 
2. The full chain of assignment from the original creditor through all intermediary transfers.

3. Proper documentation tying this debt to my full name, date of birth, and current address.

4. Proof that the collector is licensed and authorized to collect in the state of Georgia. 

If XXXX XXXX XXXX can not furnish all of the above, this account must be removed under FCRA 611 as it is inaccurate, incomplete, and/or unverifiable.

Please complete your reinvestigation and send me confirmation of the results within 30 days as required by law. 

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 2025-09-08 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: IL

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 XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 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 2025-09-08 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

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 2025-09-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc
State: NY

Complaint narrative:
I ASKED THEM TO CLOSE MY ACCOUNT AND THEY WILL NOT UNLESS I CALL THEM AND I AM NOT CALLING THEM, SHOULD NOT HAVE TO I SHOULD BE ABLE TO DO THIS MYSELF AND THEY WON'T GIVE ME MY {$2.00} EITHER. VERY XXXX SIMPLE, CLOSE MY ACCOUNT. XXXX YOU PEOPLE ARE USELESS ANYWAY. 
OVER XX/XX/XXXXYEARS AGO I SUBMITTED A COMPLAINT TO YOU AND YOU NEVER GOT BACK TO ME OR DID A XXXX THING ABOUT IT. 
I EXPECT THE SAME HERE FROM THIS. 
AND DON'T CALL ME EITHER. 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have called captiol one a few times. Im not using the card double up on payments but its not working my credit limit is going down not up. They reversed my credit line cause I called I have proof where ive made payments and not used my credit card and its going up. There interest rates are being double charged. Something is going on none of my other cards are going up on me they are going down. I just get the run around with them. They are ripping me off. I dont know what to do. Ive tried to resolve it and then they took XXXX from my credit line after I called them. They have some type of computer error no way if im doubling up on my payments should my balance go up. Especially since im not using the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
A Inquiry was issued to me credit on XXXX  JPMCB card XX/XX/year>2025 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have identified collection accounts on my credit report that I believe contain inaccurate information. Under my rights established by XXXX XXXX. XXXX ( b ) and XXXX, I am entitled to a credit report that is accurate and verifiable. I am requesting that these accounts be thoroughly reviewed, and if they can not be verified as accurate, they must be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-08 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: FL

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2025-09-08 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I discovered a Credit Collection Services ( CCS ) tradeline on my consumer reports with no account number. I have no agreement with CCS and received no prior notice. I sent a certified validation request demanding : ( 1 ) the original contract with my signature ; ( 2 ) complete accounting ; and ( 3 ) ownership/chain-of-title documents, including the Forward Flow Agreement, Purchase/Loan Sale Agreements, Bill of Sale, and the Schedule of Accounts tying my name to those agreements. I also requested CCS identify its permissible purpose under 15 U.S.C. 1681b and any written consent. Until validated, I requested CCS cease collection and ensure the tradeline is furnished as disputed. Please assist in obtaining proper validation or deletion of the tradeline.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FlexShopper, Inc
State: MO

Complaint narrative:
XXXX XXXX and I made a settlement agreement. I was to pay {$100.00} every XXXX weeks for XXXX weeks starting XX/XX/XXXX and Ending XX/XX/XXXX. I have paid all but XXXX payment and XXXX days before my last payment is scheduled to be made, FlexLending cancelled my payment and sold the account to debt collector, XXXX XXXX XXXX XXXX XXXX. That lender now I owe them {$2700.00} when just yesterday XXXX I only had to pay {$100.00} and the account would have been settle in full. This is a clear violation of our agreement and not fair. When an agreement is made by a company they ought to be obligated to honor it!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It XXXX Concern, This letter serves as a formal dispute of the account listed on my credit file under the name XXXX XXXX XXXX XXXX XXXX  with account number ending in XXXX. 

I previously requested full validation from the debt collector and received documentation that fails to meet federal standards for lawful verification. The contract submitted contains an unverifiable electronic signature and reflects an outdated address not associated with me. Additionally, the chain of assignment provided is incomplete and lacks proper authorization from the original creditor granting XXXX XXXX XXXX XXXX, XXXX authority to collect or report the alleged debt. 

Furthermore, the address listed on the documentation provided by the collector does not match the address on my government-issued ID, license, or any records I maintain with state or federal institutions. This discrepancy further calls into question the legitimacy and accuracy of this account. 

As a documented victim of the XXXX XXXX data breach ( FTC XXXX Theft Report XXXX XXXXXXXX ), I am particularly concerned about the accuracy and integrity of any account being reported under my name. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX, I am formally requesting that you reinvestigate this account and delete it from my credit file unless the furnisher can provide : XXXX. A complete, legally binding contract showing my wet or verified e-signature with consent per the XXXX XXXX. 
XXXX. The full chain of assignment from the original creditor through all intermediary transfers. 
XXXX. Proper documentation tying this debt to my full name, date of birth, and current address. 
XXXX. Proof that the collector is licensed and authorized to collect in the state of Georgia. 

If XXXX XXXX XXXX can not furnish all of the above, this account must be removed under FCRA XXXX as it is inaccurate, incomplete, and/or unverifiable. 

Please complete your reinvestigation and send me confirmation of the results within XXXX  days as required by law. 

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 non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I contacted XXXX regarding the {$29.00} late fee I was charged on XX/XX/year>. After requesting to speak with a supervisor, I explained to " XXXX '' that I made the minimum payment of {$50.00}, which was due on XX/XX/XXXX, on XX/XX/XXXX. While making this payment, the website did not allow me to select XX/XX/XXXX, instead, forcing me to select XX/XX/XXXX, resulting in a late fee being assessed for the payment being a day late. " XXXX '' went on to explain that the payment is due by XXXX p.m. ET on the due date. I requested the fee be refunded and " XXXX '' said she is only allowed to credit a maximum of {$15.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX Permissible Purposes of XXXX XXXX, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I XXXX authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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