vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MI

Complaint narrative:
My account got closed XX/XX/2023 I reached out here they finally give me my account back my money was gone they promised me a refund they havent sent it they said its only XXXX $ well over this past month they now saying I would get a email from chime about my refund I never got anything now they keep hanging up on me and they changed my account statements to make it look like I only had XXXX $ in my account when I got screenshots of my original statements from XX/XX/2023 that show I shouldve had XXXX $ in my account they add an atm wit drawl which I never made

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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 have no responsibility for the accounts listed. They were opened without my consent, and I request their deletion under USC 1681g within 15 days. Supporting files are enclosed.

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 2025-08-27 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I paid off my loan for my vehicle with America First Credit Union ( XXXX ) in XXXX, XXXX, in XXXX. They sent me a generic/unsigned letter stating it was paid off and that they asked the XXXX in XXXX  to send me the title. XXXX explained they never received the electronic release of the lien. XXXX kept telling me they sent it and there was nothing they could do. This went on every time I called XXXX. Finally, I was able to get a manager, who called the records dept. The manager told me they spoke to someone named XXXX, who worked in the department every day of the week. They said XXXX looked into the electronic release of the lien and found an error code. The manager said XXXX opened up a claim on XX/XX/25, and that he would call me back in 2 days ( note, this is now over a month after I received confirmation that I should be receiving my title in the mail ). XXXX never called. On XX/XX/25 I called and received a different manager, XXXX, who said she was not able to speak with XXXX, but XXXX, in records, told her that XXXX tried to release the lien electronically again, but that he did not open a claim. XXXX told me that XXXX said she was opening up a claim and I should call back in XXXX days. I asked XXXX some questions she could not answer. She said she would email her leaders and that someone would call me within a week. Every time I call, I speak to someone different, who gives me a different answer. I continue to be told that the company XXXX is the company in charge of the title and XXXX just submits the lien release electronically. However, the XXXX in XXXX  looked up the VIN of my vehicle and stated that XXXX is the name on the title and that because of that, they still own it. My name is not on the title. XXXX states that they don't have the title and the XXXX does. XXXX continues to not want to take responsibility for the process they need to conduct, now, for over a month. When in reality, if I had defaulted on my vehicle payments, indeed XXXX would have the title and pursue possession of the vehicle, since their name is on the title. XXXX does not have their name on the title. I have paid my truck off, but I have no proof it is mine. I had a buyer for the truck, who waited XXXX weeks for me to get the title and then bought a different vehicle, because he could not register the vehicle without the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: VA

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : * Creditor/Collection Agency Name : XXXX XXXX Account Number:XXXX XXXX Amount : {$350.00} * Date of Account:XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX XXXX  Amount : {$2700.00} * Date of Account : XX/XX/XXXX XXXX  Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX XXXX  Account Number:XXXX XXXX  Amount : {$100.00} * Date of Account : XX/XX/XXXX XXXX  Creditor/Collection Agency Name : XXXX XXXX  Account Number:XXXX * Amount : {$5900.00} * Date of Account:XXXX XXXX Creditor/Collection Agency Name : XXXX XXXX  Account Number : XXXX XXXX Amount : {$660.00} * Date of Account : XX/XX/XXXX XXXX  Creditor/Collection Agency Name : XXXX XXXX Account Number:XXXX XXXX Amount : {$1500.00} * Date of Account : XX/XX/XXXX I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 
In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 
I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA

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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/year>, I received a letter in the mail from XXXX  alerting me that they noticed a hard inquire for a credit card from Capital One Banking under my social security that appeared to be fraudulent activity. Immediately I verify with XXXX and saw on my credit report I had this hard inquire on my account. On XX/XX/year>, I called Capital One and verified if there was an account under my name and social security number. They notified me that there was an application that was still being processed with my name and social security number. Immediately I informed them that it was fraudulent activity as I have never done banking with them in the past nor attempted to open an account with them recently. The date of inquiry appears to be done XX/XX/year>. The Capital One representative was unable to give me much information on what exactly was on the application since she did not have access. After informing her this was fraudulent activity, she notified the XXXX Department to delete the application and remove the credit inquire. Afterwards, I called XXXX to notify them that the Capital One credit inquire under my credit report was fraudulent activity and they are working to remove it from my report. As of XXXX XXXX, I have put my credit on freeze in XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: RI

Complaint narrative:
I've recently received a copy of my credit report and had came upon several inaccuracies and unauthorized accounts + information on the credit report. This information and remarks on the report have heavily effected my life and credit health/history.

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 2025-08-27 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: RI

Complaint narrative:
I've recently received a copy of my credit report and had came upon several inaccuracies and unauthorized accounts + information on the credit report. This information and remarks on the report have heavily effected my life and credit health/history.

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 2025-08-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: OK

Complaint narrative:
I went to Michigan XXXX University 's Full Stack Web Development Coding Bootcamp and had borrowed a loan from Climb XXXX. I've been paying since XX/XX/XXXX and the loan amount was for {$12000.00}, and with the payments I've made, you would think I would be almost done but the interest raises so much, it barely makes a difference. My remaining balance is currently $ XXXXThat would mean I would have paid {$6500.00}. With interest included, I have paid Climb XXXX  {$10000.00}. They assured me that I would find a job with my skills attained from Michigan XXXX University 's Full Stack Web Development Coding Bootcamp. When I talked to their " career '' services, I was told verbatim " well, it's really who you know '', when it's an online course and career service are supposed to help me with my career. I suppose I was wrong. So for months I've been struggling to pay this loan, so much so, I joined the military, funds became so short. On XX/XX/XXXX, I was doing some research on some alternatives on ways I could pay off my loan, learning that the on XX/XX/XXXX, the Consumer Financial Protection Bureau filed a lawsuit against Climb Credit, and that Climb had lured people into loans under false pretenses. I am one of those people. Lured and misled by whom I thought to be a credible company. After learning this, on XX/XX/XXXX, I reached out to Climb to ask for a return on my funds, and if wouldn't be able to get that, then perhaps waiving the remaining balance and I asked for them to simply give me an update on the matter within 2 weeks. They said the next day they will get back to me and it now has been 3 weeks leading into 4. So I asked for an update on XX/XX/XXXX via live agent on their website and again, I was told they will reach out as soon as they can. When I'm not even asking for the money just an update. Climb XXXX is to NOT be trusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute a fraudulent account that has appeared on my credit report. I have never authorized, opened, or used this account. Its presence is entirely false and misrepresents my financial responsibility.

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 2025-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC
State: OH

Complaint narrative:
I am filing a complaint regarding Capio Partners , LLC. 

On XX/XX/year>, I sent Capio Partners a formal Cease & Desist and FCRA Dispute letter regarding alleged accounts. In that letter, I clearly instructed Capio Partners to cease all collection activities and requested validation of any alleged debts.

Despite this, Capio Partners flagged three separate accounts for collection after receiving my dispute. This appears to be a violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c & 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), as they continued collection activity and reported disputed accounts without providing validation.

I respectfully request that the CFPB investigate Capio Partners actions, ensure compliance with federal law, and take appropriate measures to protect my consumer rights. 

I have attached copies of : My Cease & Desist / Dispute letter Any correspondence from Capio Partners after my dispute Current credit reporting entries showing the flagged accounts Thank you for your assistance. Please let me know if additional information is required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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.

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-27 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) 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 four 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 : INQUIRIES : XXXX XXXX  Date : XXXX ACCOUNTS : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard 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 hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard 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 2025-08-27 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: Early Warning Services, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding Early Warning Services , LLC for inaccurate and unfair reporting practices that have harmed my ability to access banking services. 

I submitted a Consumer Identification and Certification Form to Early Warning to obtain a copy of my consumer report ( see attached ). Early Warning maintains consumer banking history files that financial institutions use to approve or deny new accounts. I believe Early Warning is reporting negative or outdated information that is inaccurate, incomplete, and/or unverifiable.

As a result, I have been denied the ability to open new financial accounts, which has caused me financial harm and exclusion from basic banking services. 
Early Warning is reporting inaccurate, incomplete, or outdated information. 
Failure to ensure maximum possible accuracy of consumer reports ( 15 U.S.C. 1681e ( b ) ).

Failure to provide adequate disclosure of all information in my file within the required timeframe ( 15 U.S.C. 1681g ).

I am unable to access banking services due to the negative information being reported.

This is causing financial hardship and unfair restriction of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
I am writing and sending this complaint with absolute certainty and extreme frustration. There are a lot of errors on my credit report that I can no longer ignore, as they have been negatively impacting my life and credit score, preventing me from achieving financial freedom and stability.

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 2025-08-27 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: CA

Complaint narrative:
As per 15usc 1611 XXXX XXXX  and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
They want me to pay the allege debt but it shows its been written off, i never provided a 1099-C

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 2025-08-27 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief