vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
CHIME Bank called me in regards to a charge, I spoke with a chime associate at XXXX on XXXX XXXX. They advised me to close down the account and reopen a new account with new acct and routing number. They sent an email with my supposed new info and walked me through moving my funds to my new account via the email that was sent to me, they said I would receive my new cards in mail. Then today I called same number bank and they said that no account was created. All my funds are gone. I opened a dispute today with CHIME BANK. An amount of XXXX was transferred to an unknown persona posing as a CHIME Bank representative. The phone number for chime is saved in my phone so there was no reason to believe that it was a scam because it is their actual number : ( XXXX ) XXXX. Since the initial chime call was a scammer then I am not sure how my account got actually closed other than chime bank closed my account while on a call with the scammer at the same time the scammer was on a call with me. That being said chime closed my account to a scammer. I submitted a police report and a FTC report on XX/XX/year> and dispute with chime bank they denied my initial one on Thursday XX/XX/year> due to no error even with more than enough evidence. I called back to reopen dispute and they did but then not even 48 hours later they denied again on XX/XX/year> I called once more to have case reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo the mortgage holder approve home insurance increase rate. Back in XX/XX/year> and then paid increase rate out of my escrow account without my approval my mortgage note was $ {$1200.00} now they have raised it to {$1700.00} dollars a month and telling me to get the money back. From Home insurance company that they gave all of my escrow money to.

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 2025-05-31 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
one main financial is not giving me proper time to complete the repo loan payment every thing i have done to make the payment there a issue and ontop of that they are not even allowing the proper time to pay it i was told it would be up to XXXX hours for the payoff amount that is when i filed my first complaint with you Now i receive a letter with no payoff or deadline before vehicle is sold or where as you will see in the letter they sent i should have XXXX days to pay loan in full after i know the amount and that would be by me calling friday the XXXX of XXXX XXXX dollars on a loan from 2019 wow ok and it was charged off 2 years ago so i get the letter wed the XXXX no payment amount no location no dead line date so i call back says i have till the XXXX of XXXX to pay this ok i was told on the XXXX the price of XXXX i call back after the letter was tol XXXX i go to pay it and was told i couldnt pay over the phone long story call back then he can only take XXXX a month with a card i need to go to a one main branch and take a cert check or alot of money orders by the XXXX of XXXX ok what happened to 10 days weekend and holiday dont count so the XXXX plus XXXX business days would be the XXXX of XXXX nope they sent it on the XXXX it needs to be paid by the XXXX of XXXX but there not open on that day anything sound funny here your taking my work truck that is valved over XXXX dollars and ontop of a loan that is way over charged with way higher intrest then in the florida XXXX but thats for another day i have a picture of the letter i will down load it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was a victim of identity theft. I disputed the transaction but no movement on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: TX

Complaint narrative:
XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  opened on XX/XX/XXXX under account number ( XXXX ) and These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-31 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act these two accounts have violated federally protected consumer rights to privacy and confidentiality. 

XXXX XXXX is reporting accounts delinquent during reinvestigation of complaint and claim XXXX XXXX violates the Gramm-Leach-Bliley Act of 1999 1. Department of Education XXXX XXXX Account number XXXX. 
XXXX. Department of Education XXXX XXXX Account number XXXX. 

In a response to a claim filed with the CFPB, XXXX XXXX failed to address the numerous consumer violations against XXXX XXXX. I don't have a contract with XXXX XXXX. XXXX XXXX claim they gave me a promissory note but consumer never received a promissory note signed with 2 wet ink signatures between 2 agreeing parties. This violates the Esign Act.

Under 15 USC 1681 section 602 ( a ), I have the right to privacy and XXXX XXXX reporting late payments directly or indirectly to 3rd parties without my written consent is considered adverse and violates this act.

Per 15 USC 1681 section 604 ( a ) section 2 states that a agency can not furnish an account without my written instructions. Any transaction between me and a creditor are required to be excluded from my credit report. Consumer was not given full disclosure that consumer would be giving up all Rights which is also a violation. 

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 and crimes which antedates the report by 7 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. XXXX Experian and XXXX  are in violation of these acts for reporting personal and private information against the consumer. XXXX XXXX is in violation of the Gramm-Leach-Bliley Act for reporting personal and private information regarding consumer without the consumers consent.

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 2025-05-31 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: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
A debit is being charged to me from XXXX advance financial that has been paid and over the starute and a year and a half went on without contact after the debit was paid then it suddenly reappred on my credit report I know I paid it because I broke up with a long term gf because I took the loan out for her before she received her settlement I called both the XXXX XXXX XXXX and XXXX advance to let them know of this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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:
To Whom It May Concern, This is my second formal dispute regarding the fraudulent accounts reported on my consumer credit file. I previously submitted on XX/XX/year> a dispute indicating that the accounts listed below were fraudulently opened without my authorization, along with an identity theft report as required by law. Despite this, I have not received any proof of verification for these accounts, nor have you adhered to my identity theft claim in accordance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2 ( Blocking of Information Resulting from Identity Theft ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted 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 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 

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : 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 2025-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This debit is not mine at all. I've called numerous times to explain that I never opened this account at all. I have asked them to pull up the call log of me opening up this account or video cam footage of me opening the card. Something that shows I opened, but they can't prove it nor through verification of debt or anything. I never opened this card, I don't shop at kohl 's. It's on my credit report and they haven't been helpful. I have asked them to stop communicating with me due to my rights, and yet they keep contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
I DONOT HAVE ANY KNOWLEDGE OF THESE ACCOUNTS, PLEASE REMOVE OR DELETE FROM MY CRA'S- COLLECTION DISPUTE - XXXX XXXX XXXX {$640.00}, XX/XX/XXXXXXXX {$760.00}, XX/XX/XXXXXXXX {$270.00},XX/XX/XXXXXXXX {$800.00}, PXX/XX/XXXXXXXX XXXX {$3200.00}, XX/XX/XXXXXXXX XXXX {$910.00} - XX/XX/XXXXXXXX {$1100.00}, XX/XX/XXXXXXXX {$610.00}, XXXX XXXX XXXX XXXX {$13000.00}, - INQUIRIESXX/XX/XXXXXXXX I HAVE FILED A FTC, POLICE REPORT, AND SENT CERTIFED LETTERS TO ALL CREDIT REPORTING AGENCIES, TO REMOVE/DELTE THESE FRAUD ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: LA

Complaint narrative:
I DONOT HAVE ANY KNOWLEDGE OF THESE ACCOUNTS, PLEASE REMOVE OR DELETE FROM MY CRA'S- COLLECTION DISPUTE - XXXX XXXX XXXX {$640.00}, XX/XX/XXXXXXXX {$760.00}, XX/XX/XXXXXXXX {$270.00},XX/XX/XXXXXXXX {$800.00}, PXX/XX/XXXXXXXX XXXX {$3200.00}, XX/XX/XXXXXXXX XXXX {$910.00} - XX/XX/XXXXXXXX {$1100.00}, XX/XX/XXXXXXXX {$610.00}, XXXX XXXX XXXX XXXX {$13000.00}, - INQUIRIESXX/XX/XXXXXXXX I HAVE FILED A FTC, POLICE REPORT, AND SENT CERTIFED LETTERS TO ALL CREDIT REPORTING AGENCIES, TO REMOVE/DELTE THESE FRAUD ACCOUNTS.

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 2025-05-31 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a personal credit card account opened below : Creditor Name Account Number Date Opened 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kikoff Inc.
State: TX

Complaint narrative:
Dear [ KIKOFF INC - ], I have received your response to my debt verification request dated [ XX/XX/XXXX ]. However, as it's being reported on my credit report as of XX/XX/XXXX : Account # XXXX Account Status Closed Charge Off Payment Status Past Due - {$140.00} Balance Owed {$200.00} Payment Amount {$0.00} Credit Limit {$2500.00} The documents you provided consisted merely of account statements without any proof of debt ownership or identification of the original creditor and subsequent assignees. As mandated by 15 USC 1692g ( a ), the CFPB has recently heightened the requirements for a debt creditor validation response, which must now include : The name and mailing address of the creditor ; The name of the creditor to whom the debt is owed ; The account number ( if any ) associated with the debt ; An itemized breakdown of the current debt amount, including interest, fees, payments, and credits from a specific date that can be cross-referenced with records ; The current debt amount as of the date the validation notice is provided. 
Your response dated [ XX/XX/XXXX ] did not include any of the aforementioned details. 
In accordance with the FDCPA, please provide the following : 1. The name and address of the original and current creditor ; 2. Verification of the debt amount you are attempting to collect ; 3. Documentation of any assignment from the original creditor, including my name and the original account number ; 4. All relevant information on the securitization of the debt to [ KIKOFF INC- ]. 
Federal law, specifically XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XX/XX/XXXX ), and 15 USC 1692g ( b ), requires you to cease all collection activities ( including any contact with credit reporting agencies ) until you have properly validated and verified the debt amount and or be deleted from my credit report within 7 days or less from date received. 
Please refrain from accessing my credit report or reporting this disputed debt. Any mention of This disputed debt should be noted as such on my credit report.

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