vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX i requested information from chime on regards of a payment being made out of my account without me authorizing it than employee gave me false information and when i tried to ask to speak with further assistance she hang up and make changes to my financial data without my consent and i never asked for chime to make changes on my account i feel this is illegal and needs to be investigated properly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: FL

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: AutoMoney, Inc.
State: GA

Complaint narrative:
I went to auto money in XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, GA XXXX They repoed the vehicle told me I cant get it back until a co-ledger is added or it is paid off in full, they took my money the day before and voided the Transaction to get back on a payment plan

Company response to consumer: Untimely response
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-09-25 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: CA

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal 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 non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Winklevoss Exchange LLC
State: NJ

Complaint narrative:
I opened my XXXX  account on XX/XX/XXXX and verified everything. I then made a bank transfer for {$5000.00} in order to begin trading crypto. Ive contacted support before my account was frozen regarding something I needed help with and they answered. On Monday XX/XX/XXXX, my account was frozen for reasons I did not know. I then proceeded to contact support the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, still no answer. I have around XXXX in crypto assets in my XXXX  account that I cant use to trade or withdraw due to my frozen account. I would just like to withdraw my crypto assets and close my XXXX  account because the service is horrible. There are multiple complaints of this company holding peoples money. This company seems real fraudulent and needs to be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
The reported item does not align with my payment history and appears erroneous. Kindly review and amend it accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-25 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the Equifax 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 XXXXXXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: IN

Complaint narrative:
I requested that XXXX XXXX be deleted from credit bureau due to not being associated with this account, never heard of it, I have no associations with this account, I called the company and they couldn't verify any of my information but want me to verify my information. I'm also filing a FTC report due to fraud because this company has no tie to me, I am requesting sign contracts, ID XXXX valid photo that was used, and date item was purchased, debit card or credit card transactions that was used. This is fraud and I want it deleted and removed accordingly, I was in an active bankruptcy and unable to get a car until XX/XX/year> which I currently have now. Please remove this or verify all items requested.

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 2025-09-25 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: AZ

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
I am formally disputing the presence of entries tied to unauthorized accounts within my credit history. Kindly review comprehensively and remove them. Documentation is attached.

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 2025-09-25 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: CA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-09-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Lending Force, LLC
State: NJ

Complaint narrative:
XXXX XXXX of Lending Force was helping with a new mortgage to encompass all debt. at he day of signing i noticed it was short. He said he was getting a heloc loan to encompass the rest of the money and I would have same time as first loan. I didnt want to sign but he swore up and down it would be fine. I couldnt afford the payment of the new loan if it didnt encompass the rest of debt. He was aware. He promised in text over and over. Then he vanished the day of signing. I called the office for a month. Not until i threatened to get a lawyer did XXXX XXXX text me that he cant get this second loan. I feel scammed and can't afford the mortgage payment at all now. I will lose the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Monday XX/XX/year> at XXXX I went to Citibank XXXX on XXXX XXXX XXXX to deposit XXXX dollars upon doing so the atm malfunction stating that it theres an issue with the deposit and shut off. I dont have a receipt nor was the money credited to my account. Citibank Representative states theres no error but I know that they have cameras and can see me deposit the money and also there should be recollection of me using my debit card in there system. Please help me because I need them to return what is owed to me.

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 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Wilber and Associates, P.C.
State: IL

Complaint narrative:
I am writing in response to your claim regarding an alleged automobile accident on XX/XX/year>, which you state resulted in {$7300.00} in damages to another vehicle. I dispute both the validity and the accuracy of this claim for the following reasons : XXXX. No Damages Were Sustained At the time of the alleged incident, the other drivers vehicle had no visible damage, and no legitimate repair estimates or documentation have been provided to substantiate the amount claimed. 
XXXX. Discrepancies Suggest Possible XXXX XXXX damages claimed appear to be fraudulent or grossly inflated. I request that you provide verifiable documentation of actual repairs performed, including itemized repair invoices, photographs, and proof of payment from the insurer. 
XXXX. Unfair XXXX Practices While you assert this is a tort claim and not subject to the FDCPA, attempting to collect a claim that is unsupported by evidence or based on fraudulent information is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: Fidelity National Information Services, Inc. (FNIS)
State: CT

Complaint narrative:
Chex systems is demanding a law enforcement officer sign and FTC report. I've contacted my local law enforcement office and they can not sign another entity report. 
Chex Systems can not legally require a law enforcement officer to sign a Federal Trade Commission ( FTC ) Identity Theft Report. A valid FTC Identity Theft Report filed through the official XXXX website is sufficient documentation to initiate a dispute for fraudulent accounts. A demand for a police signature is a false requirement that violates the Fair Credit Reporting Act ( FCRA ). 
I provided them with the documentation requested. It is not possible to have a law enforcement officer sign a report that they did not create. This is an illegal request from chex systems.

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 2025-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: United PanAm Financial Corp.
State: GA

Complaint narrative:
United Auto Credit has been sending a repossession truck to my residence nightly, despite my repeated attempts to contact the company to request hardship assistance. Their recent correspondence falsely stated that they have not heard from me for an extended period of time. That statement is inaccurate. 

Between [ insert approximate months/dates ], I called the servicing department multiple times, left voicemail messages, and responded to emails in an effort to establish a payment arrangement due to a documented financial hardship. Instead of offering any reasonable options, I was told to make an immediate full payment. No hardship relief or temporary repayment plan was provided. 

The companys representatives have used aggressive and intimidating tactics that make customers feel threatened, even when only a single payment may be late. Their refusal to acknowledge my communications and their ongoing repossession attempts are unfair, misleading, and possibly unlawful. 

I am requesting that United Auto Credit : 1. Provide written documentation of all attempts to contact me.

2. Correct the false statement that I have been unreachable.

3. Suspend repossession activity while my hardship request is under review.

4. Provide clear hardship or repayment options in writing. 
I believe United Auto Credits actions may violate the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Georgias Fair Business Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
My husband and myself went to XXXX XXXX XXXX on XX/XX/year>. They encouraged us to apply for a XXXX XXXXXXXX XXXX  credit card with Synchrony Bank. We tried as a joint account. As we told the store, we did not need the additional credit ( & is now paid in full ). We did think it might be helpful to add an additional account, however, to our credit profile. We were told to use the Synchrony Bank XXXX in the store. We tried. We had issues and the employee came to help us. In that exchange, the employee told us that the machine had been malfunctioning, and it had been reported. In trying to help, she started pushing the cancel/continue buttons rapidly in order to cancel the entire transaction which was not working. She also said that no hard credit inquiry would result because the transaction was cancelled out. As it turned out, she manually entered the information, but ONLY FOR MY HUSBAND which negated everything we were trying to do. As a result, I did end up with XXXX hard inquiry and my husband XXXX separate hard inquiries. According to Synchrony I was denied because my address did not match XXXX  which is pretty much impossible. My address I entered originally, XXXX, and my drivers license all match. I called XXXX and spoke with XXXX who very diligently entered our information on XX/XX/year> early morning. XXXX noted everything and the damage to my credit by this incorrect inquiry. XXXX said they would remove the additional inquiry on my husband immediately, but I might need to call back. He said it would be taken care of. I called back about 10 days later and was told it had been reported to remove the hard inquiry. This is now XX/XX/year> and NOTHING has been done. This was such a scam.

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