vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
There is a hard inquiry I discovered on my credit report. Its listed as JPMCB CARD Date of XXXX XX/XX/year> This inquiry was not me. I need this removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

FAIR COLLECTIONS & OUT ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: AZ

Complaint narrative:
Supplemental Complaint Regarding Remitly , Inc . 

Subject : Supplemental information Regulation E violation, refund breach, and improper foreign partner obstruction ( XXXX XXXX ) I previously filed CFPB complaints ( most recent is XXXX ) regarding a fraudulent Remitly transaction in which I was deceived into sending funds under false pretenses. I am submitting new information that indicates additional potential regulatory violations by Remitly. 

Breach of written promise ( seven business days ) Remitly CSR Junin explicitly stated that I would receive a resolution within seven business days of filing my fraud report. That deadline has passed, and Remitly continues to state that they have no information or that I must contact my bank, despite their own records showing internal attempts to reach the receiving bank in XXXX. 

This constitutes : * breach of stated resolution time * false or deceptive business practice Failure to honor Regulation E provisional credit I reported this transaction as fraud by deception. Under Regulation E, I should receive : * provisional credit within 10 business days while the investigation is ongoing, or * a written explanation of why provisional credit is denied.

I have received neither.

Remitly has refused to : * provide written reason for denial * provide transfer statements * issue provisional credit This may be a * * Regulation E violation * *.

3. Internal obstruction and foreign partner delay ( XXXX, XXXX ) XXXX has repeatedly claimed that resolution is delayed because they are waiting on communication from the partner bank XXXX in XXXX. However : * Remitly refuses to provide written evidence of contact with Opay * Remitly customer service has provided inconsistent and contradictory statements regarding this communication * Remitly 's internal bank is Opay, as confirmed by XXXX XXXX in a phone conversation on XX/XX/year> at XXXX XXXX MST This suggests possible ghost routing and avoidance of responsibility under their own fraud procedures. 

Pattern of deflection and non-regulatory responses Remitly repeatedly directs me back and forth between : * their internal fraud department * my bank * Nigerian receiving bank XXXX The result is : * no progress, * no transparency, * no regulatory compliance. 

Several representatives stated : * we can not make any changes on completed and processed transactions, which is incorrect under Regulation E, considering the transaction was made under fraudulent inducement.

I affirm that all statements provided are true to the best of my knowledge and supported by documentation, including screenshots of CSR messages, written promises, and evidence of fraud by deception.

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: LA

Complaint narrative:
My credit card company is Citibank. There were daily charges for around {$400.00} - {$700.00} on my statement. I have had this credit card for many years. The company listed on the statement is XXXX XXXX XXXX. From my research is looks to be a non profit that connects young wealth for society impact and the XXXX. 

I called and disputed the charges and they sent me a new credit card. Thereafter they report my non payment to the credit bureau and with no communication - I went online and they refused to credit the twenty three ( 23 ) fraudulent charges- they have never previously appear on my credit card statements.

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 monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
am filing a complaint because Chime mishandled my fraud dispute. I paid for a hair service that was never provided. The person misrepresented themselves as a professional stylist, took my money, blocked me immediately afterward, and disappeared. This is a clear case of fraud and a service not received. I provided Chime with proof of the scam, including screenshots, the payment receipt, and evidence that the seller blocked me and never provided any service. 

Despite this, Chime refused to treat the transaction as fraud and told me I could not get my money back simply because I sent the payment. This is incorrect and unfair. The issue is not that I sent the money the issue is that I was defrauded by someone impersonating a legitimate business and using Chime to scam people. Chime failed to properly investigate and misclassified my dispute as a voluntary transfer instead of a case of services not rendered. 

Chime also told me they could not take action against the scammer even though I informed them someone is using their platform to commit fraud. I should not be held responsible for being scammed by someone who intentionally deceived me. Chimes refusal to investigate or provide protection is unprofessional, unsafe, and does not meet consumer protection standards. I am requesting that this dispute be reopened, properly investigated as fraud, and refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX  allowed me to join their debt reconciliation program to prevent a credit card account from going into further charge off. I set up a payment plan in the amount of {$120.00} in order to settle for an amount. This agreed payment was supposed to come out my account starting XX/XX/XXXX. Instead of doing so, citizens bank took my payment, agreed to the payment plan and started the charge off process despite their debt reconciliation program I joined. In the midst of this I received a letter in the mail on XX/XX/XXXX saying that there was a specific balance that had to be paid off by the end of XXXX or the account would be considered charged off. Although, XXXX setup a payment plan with XXXX XXXX  debt reconciliation program with a contract signed citizens bank still decided to send me a letter XX/XX/year> stating the account had to be paid off by the end of XXXX. However, despite the debt reconciliation program I joined and the letter sent by the company XXXX XXXX  charged off the account on XX/XX/year> despite a payment plan set up with their debt reconcialition department and sending a letter saying that I had until the end of XXXX to pay off in full. XXXX XXXX  charged the account off early and has refused to respond to any of concerns.

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 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc.
State: MD

Complaint narrative:
I've been trying to log into my Self Lender account for over a month now and everytime I try to log in I get the error message attached. I never had this problem before I filed the complaint with the CFPB against them. I feel like this is a retaliatory response. Every since I filed the complaint, I haven't been able to log in to my account or use my card. I have a payment due tomorrow and can't login to make the payment. Their customer service line is closed and today and the chat is only available if you are logged into your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnionXXXX XXXX XXXX, PA XXXX From : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Date : XX/XX/XXXX RE : Formal Dispute Under FCRA XXXX To Whom It May Concern, This letter serves as a formal dispute regarding inaccurate collection accounts reporting on my TransUnion credit report. I am requesting verification or deletion of the listings below : Accounts to Investigate & Delete XXXX. XXXX XXXX {$140.00} XXXX. XXXX XXXX XXXX {$1500.00} XXXX. XXXX XXXX XXXX {$1300.00} XXXX. XXXX XXXX XXXX {$1500.00} These items appear inaccurate due to incomplete information, missing validation from the furnishers, and cross-bureau inconsistencies. 
If the items can not be 100 % verified, please remove them immediately as required under the FCRA. 
Sincerely, XXXX XXXX XXXX : XXXX XXXX : 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 non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because my credit report contains inaccurate information that is harming my credit and violating my rights under the Fair Credit Reporting Act ( FCRA ). 
1. Wrong Address Reporting XXXX XXXX XXXX, XXXX XXXX, FL XXXX This address does not belong to me. I have never lived there, used it, or been connected to it. This is an FCRA violation because the bureaus must maintain accurate and complete personal information. 
XXXX. XXXX XXXX Charge Off Account : XXXX Date Opened : XX/XX/year> Balance : {$0.00} This account is reported as a charge-off, but I have no knowledge of this account and was never provided validation, documents, or proof that it belongs to me. Reporting an unverifiable charge-off is a violation of FCRA accuracy standards. 
I am requesting the CFPB to investigate and ensure the credit bureaus and the furnisher correct or remove these inaccurate items. These errors are affecting my ability to obtain credit and causing financial harm. 
Requested Resolution : Delete the wrong address and remove the inaccurate XXXX XXXX charge-off from my credit 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 2025-12-07 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: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
Subject : America First Credit Union reinstated a fraudulent {$1100.00} charge and refuses to honor my rights under the XXXX. 

I am filing a complaint because a fraudulent charge of approximately {$1100.00} posted to my America First Credit Union XXXX credit card on or around XX/XX/year>. 

I did NOT authorize this transaction, I did not attend the event ( XXXX XXXX XXXX XXXX ), and I reported the charge to the bank immediately. My card was turned off, and multiple additional unauthorized charges were denied afterward, further proving my card had been compromised. 

America First initially removed the charge, then re-added it a month later because I missed several phone calls due to working overnight shifts with no cell service. The bank told me that missing phone calls means they can deny my fraud claim. 

I have since provided : A notarized sworn statement that I did not make or benefit from the transaction Proof I reported immediately Proof of additional denied fraudulent charges Proof I was not at or near the location of the purchase Despite this, the bank informed me that the dispute is not guaranteed and that I may be held responsible for the full fraudulent amount. 

Under the Fair Credit Billing Act, my liability for unauthorized credit card charges is {$0.00} and can not be denied due to missed phone calls. I am asking the CFPB to ensure that America First Credit Union properly follows federal law and removes the fraudulent charge. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
I am requesting validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U, S, C 1692G Please provide the following 1. The amount of debt you claim I owe 2. The name and address of the original creditor.

3. A copy of the original contract or loan agreement showing my signature.

4. A complete accounting of the charges, payments, and balance owed, including any fees, interest, or other charges 5. Documents proving that you have the legal right to collect the debt.

Unit you provide this validation, you are required to cease all collection activities, including reporting this account to any credit reporting agency. Please note that I am reque
sting this information in writing. Any continued collection without providing the requested validation may constitute a violation the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Requested verification from TransUnion and XXXX XXXX XXXX of correct amount and original account holder which is incorrectly being reported via TransUnion credit report. XXXX XXXX XXXX repeatedly contacted me via telephone requesting to pay the balance in full to them after refusing to settle. Balance is currently being paid to original creditor and XXXX XXXX XXXX denied my request for fair and accurate reporting. XXXXXXXX XXXX XXXX was the first time general revenue had contacted me regarding the debt even though the account was open in XXXXXXXX XXXX XXXX The company never gave notice of intent to collect or intent to report past due account to any credit bureau.

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 2025-12-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Experian is reporting XXXX hard inquiries on my credit report that I did not authorize. 

I sent Experian a written dispute, affidavit, and FCRA 609/604 verification request. Experian failed to provide written documentation proving permissible purpose, consumer authorization, or any original application records. 

Under FCRA 604, a consumer reporting agency may not provide my report to anyone without a legally valid permissible purpose. Under 609 ( a ) ( 1 ), I am entitled to the name of each requester and the documentation used to obtain my credit file.

Experian did not verify these inquiries and is unlawfully continuing to report unverified information in violation of FCRA 602, 604, 607 ( b ), and 611. 

The Supreme Court in TransUnion v. XXXX held that reporting unverified data constitutes an injury. XXXX v. TransUnion requires a reasonable reinvestigation. 

I am requesting that Experian either : Provide full documented permissible purpose for each inquiry, OR Delete all unverifiable inquiries from my file. 

I am also requesting written confirmation of any corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Experian is reporting XXXX hard inquiries on my credit report that I did not authorize. 

I sent Experian a written dispute, affidavit, and FCRA 609/604 verification request. Experian failed to provide written documentation proving permissible purpose, consumer authorization, or any original application records. 

Under FCRA 604, a consumer reporting agency may not provide my report to anyone without a legally valid permissible purpose. Under 609 ( a ) ( 1 ), I am entitled to the name of each requester and the documentation used to obtain my credit file.

Experian did not verify these inquiries and is unlawfully continuing to report unverified information in violation of FCRA 602, 604, 607 ( b ), and 611. 

The Supreme Court in TransUnion v. XXXX held that reporting unverified data constitutes an injury. XXXX v. TransUnion requires a reasonable reinvestigation. 

I am requesting that Experian either : Provide full documented permissible purpose for each inquiry, OR Delete all unverifiable inquiries from my file. 

I am also requesting written confirmation of any corrections.

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 2025-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZINC Financial, Inc.,
State: LA

Complaint narrative:
I am writing regarding charged off account. I dispute the accuracy and validity of this debt as currently reported on my credit report and request full resolution of this matter. 


Debt Validation Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C 1692g I am requesting validation of this debt. Please provide The amount of the debt you claimed I owe.

The name and address of the original creditor.

A copy of the original loan or contract agreement bearing my signature. 
A complete accounting of payments, fees, interest, and remaining balance. 
Documentation proving you have the legal right to collect this debt. 

Please cease all collection activity and reporting to any credit bureau until you provide this validation. 

Credit Reporting Dispute O also dispute the accuracy of the reporting of this account on my credit report. Specifically : The account is listed as charged off I request that XXXX review and correct or remove any inaccurate information related to this account

Company response to consumer: Untimely response
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CHERRY TECHNOLOGIES INC.
State: TX

Complaint narrative:
XX/XX/XXXX Cherry XXXX Attn : Credit Reporting & Compliance Department CHERRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX RE : Request for Form XXXX & Formal Dispute of Charge-Off Reporting Account No. : XXXX XXXX XXXX XXXX  XXXX To Whom It May Concern : This letter serves as a formal ( 1 ) request for Form XXXX ( Cancellation of Debt ) and ( 2 ) dispute of the charge-off currently being reported for the above-referenced account. This request is being made under FCRA, FDCPA, and CFPB regulatory requirements. 1. Request for XXXX XXXX ( Cancellation of Debt ) Under 26 U.S.C. 6050P, creditors and financial institutions are required to file and issue a Form XXXX when {$600.00} or more of debt has been canceled or discharged. If CHERRY XXXX. has canceled, forgiven, settled, or discharged any portion of this debt, I request : A complete copy of the XXXX issued The date of cancellation The amount canceled Supporting documentation used to determine the cancellation event Thank you Opened : XX/XX/XXXX Reported : XX/XX/XXXX Charged off Balance : {$660.00}

Company response to consumer: Closed with explanation