vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I called chime for the first time in 5 years of having them with a few questions and concerns. 1. Was why my deposited money wasnt fully there which we were able to conclude and I understood 2. Was the fact that I was trying to understand why I was receiving notices I spoke to a chime rep when I have never until today XXXX XXXX I told the first worker XXXX I was getting frustrated because we legit were going in circles so he laughed in my face and transferred me to disputes. I then asked XXXX or XXXX to identify me in another way thats not my social because this is where I had questions, I told them I didnt feel comfortable giving them FOR A THIRD TIME my social since that was the reason I was calling for they also hung up on me Then I spoke to their supervisor who was also of no help and hung up on me. 

As I am typing this at XXXX XX/XX/year> I received a text message of a survey from chime after this whole altercation. 

So now I want legal action taken against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am XXXX XXXX, the account holder of a Capital One 360 checking account ending in XXXX ( full number XXXX ). 
Around XXXX XXXX, Capital One froze and closed my account without giving me a clear explanation. When the account was closed, Capital One removed the remaining balance, which was approximately {$21000.00}. 

Customer service told me that the funds were returned to the source, but they refused to provide : the ACH return trace number, the routing/account number where the money was sent, or any documentation showing that the funds reached the correct destination. 

Before the account was closed, my husbands direct-deposit payroll transfers were coming into my account as part of our household funds. When Capital One returned the remaining balance, the money never reached my husbands employer, and it is not listed on my states unclaimed property website. We verified both. 

I have contacted Capital One multiple times, but they continue to say the funds were returned, without giving any proof or trace information. Without the trace number, I have no way to recover my money. 

I am requesting that Capital One provide full details of where my {$21000.00} was sent or return the funds if no documented return exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Torres Credit Services, Inc.
State: CA

Complaint narrative:
This company has harassed me!! Saying the this is going on my credit report.they have added this debit on my credit.i did not give XXXX permission to sale my information.the company is saying that I owe XXXX which isnt true

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 
Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-01 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:
I am writing to formally dispute the following items on my credit report, which I believe to be inaccurate or incomplete. Below are the details for each bureau. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} Inquiries : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: MD

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy. 
The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach 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 2025-12-01 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: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 
UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 


PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY

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 2025-12-01 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: GA

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 explanation
Consumer complaint received 2025-12-01 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: GA

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 2025-12-01 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: FL

Complaint narrative:
I am writing to formally dispute certain items on my credit report. I am requesting a thorough investigation of the following accounts that I believe contain inaccuracies or incomplete information. These accounts are listed by credit bureau below. 

CHARGED OFF : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} XXXX XXXX XXXX  Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$790.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$92.00} XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} LATE PAYMENT EQUIFAX : XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
PHH Mortgage has recently acquired my mortgage account. I am a 100 % XXXX veteran in Florida with an exemption on my property taxes effective XX/XX/XXXX. I informed PHH of this exemption, they said I did not have an escrow account. I sent them proof of my escrow account from my previous servicer along with proof of proof of property tax exemption and the tax bill reflecting the exemption to their XXXX email address on XX/XX/XXXX. I received their receipt verification email on the same day. Since then, XXXX  filed for bankruptcy. My home is not in the bankruptcy, but PHH has blocked communication with me. XXXX  tried all numbers provided and get an unforeseen technical difficulties message. XXXX  tried communicating with them through their messaging system and I was informed because I had legal representation they were unable to communicate with me. 

On XX/XX/XXXX, I contacted PHH with my lawyer following him sending a correspondence allowing them to legally communicate with me about my account. We were able to get through to speak with someone by calling from his phone number. 
Upon speaking to their customer service rep, they let me know they did not receive the documents I sent them in XXXX, nor did the receive correspondence from my lawyer. The agent let me know they didnt have anything on me prior to XX/XX/XXXX. She advised both my lawyer and myself to resend our respective correspondences, him via fax and my via the XXXX email address. She let me know the department she worked in was the bankruptcy correspondence department and gave me the direct number of XXXX ensuring me I would be able to contact them via that number. 

I called the XXXX number today to check on the status of my refund and updated monthly payment, I received the unforeseen technical difficulties message again. 

I called with my lawyer XXXX weeks ago because theyve ignored his correspondences along with mine. XXXX attempting to communicate with them regarding my account. Me calling with my lawyer and them annotating legal representation in my account and still not allowing communication is frustrating and it seems like they are being shady. My lawyer is well aware of this but its frustrating on my end because not only is money owed to me, they dont seem to have the correct information and documentation regarding my mortgage when they didnt have any info about my escrow account. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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 have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: WV

Complaint narrative:
FORMAL CFPB COMPLAINT FCRA VIOLATIONS BY XXXX  & BRIDGECREST ( XXXX ) Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX SSN : * -- XXXX To : Consumer Financial Protection Bureau ( CFPB ) Dear CFPB Representative, I am submitting a formal complaint against XXXX XXXX XXXX XXXX  and XXXXBridgecrest for reporting multiple inaccurate, incomplete, conflicting, and unverifiable items relating to my auto loan account. These errors violate several provisions of the Fair Credit Reporting Act ( FCRA ), and I am requesting a full investigation and immediate deletion of the account from my XXXX  credit file. 

Disputed Account Information Creditor : XXXX / Bridgecrest Account Number : XXXX Date Opened : XX/XX/XXXX XXXX  Report Date : XX/XX/XXXX FCRA Violations and Specific Inaccuracies XXXX. XXXX XXXX Exceeds Original Balance XXXX  reports an original balance of {$15000.00}, but a charge-off amount of {$15000.00}, which is impossible. Your agencys rules require an accurate representation of actual debt owed. 

Violations : FCRA 607 ( b ) failure to maintain maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) furnishing information known to be inaccurate XXXX. Improper Re-Aging of Delinquency The account lists charge-off activity through XXXX, yet the status was last updated in XXXX, and payment histories from XXXX are still being modified or reinterpreted. 

This indicates re-aging, which is illegal. 

Violations : FCRA 623 ( a ) ( 5 ) furnishers must accurately report the date of first delinquency FCRA 605 ( a ) prevents extending derogatory reporting periods XXXX. Payment History Inconsistencies The payment history contains contradictory delinquency progressions, including : XXXX  day late markers across XXXX, XXXX, XXXX But also a charge-off period extending through XXXX Missing scheduled payments No consistent or logical timeline This demonstrates unverified and inaccurate reporting. 

Violations : FCRA 611 ( a ) unverifiable information must be removed FCRA 607 ( b ) inaccurate and inconsistent data XXXX. Highest Balance Missing XXXX  lists the highest balance as blank or, despite this being a required field for installment loans. 

Violation : FCRA XXXX ( a ) incomplete information must be deleted XXXX. Unverified Ongoing Reporting Despite Charge-Off The account continues updating a {$14000.00} balance as of XX/XX/XXXX, despite : No recent payments Charge-off status No activity for years This constitutes unverifiable automated updating. 

Violations : FCRA 623 ( a ) ( 1 ) furnishers can not report inaccurate or unverifiable information FCRA 607 ( b ) CRAs must ensure maximum possible accuracy I have submitted multiple requests for review of this account, but it keeps getting returned as " verified '' even though multiple inconsistencies and inaccuracies continue to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 
UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 


PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 
UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 


PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY

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 2025-12-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: NY

Complaint narrative:
I am filing a complaint against Sallie Mae regarding their refusal to provide hardship assistance or investigate an active billing dispute with my flight school XXXX XXXX XXXX XXXX ). 

I took out a Sallie Mae loan to complete a XXXX flight training program. The school only provided XXXX hours of instruction, yet billed me for the full XXXX hours. I dispute the charges beyond the XXXX hours I actually received. This is a clear billing discrepancy that must be reviewed before repayment continues. 

Despite this dispute, Sallie Mae has refused to place my account in a billing investigation hold. They repeatedly tell me I can not receive any forbearance until I make XXXX more payments, even though I am not requesting standard forbearance. I am requesting : XXXX. A medical hardship review XXXX. A billing dispute / disputed enrollment investigation Sallie Mae has refused both, stating they will not help me in any way until I make a year of payments. I have a documented medical condition ( severe XXXX, currently under XXXX  treatment ) that prevents consistent employment. Their refusal to even review the hardship violates their own internal policies. 

I am asking the CFPB to intervene so Sallie Mae will : Freeze the account during investigation Review the billing dispute with XXXX XXXX XXXX Conduct a proper medical hardship review Stop demanding payments while the legitimacy of the balance is unresolved I am willing to pay for the XXXX hours I completed, but I should not be held responsible for training hours I never received. 

I need CFPB assistance because Sallie Mae is refusing to escalate my case or provide any relief despite a clear dispute and medical hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation