vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC
State: NV

Complaint narrative:
The company is Wakefield and associates .. I already disputed and was resolved XXXX the credit bureau XXXX have explained I will not be paying and after a extremely rude and verbally abusive woman insulted me and called me names they still call every 40 mins for 6 months I called the police but they use a robo dialer which constantly changes the number and doesnt work when I call back XXXX have also sent a cease and desist letter this company claims they are going to sue me over a remaining balance and the doctor billing me a second time which they say they have right to do I have all call records saved as well as a case number and recorded call from a abusive rep

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Trash area keeps erasing my account XXXX  XXXX This was a XXXX account paid off XXXX from a credit union please put this back on my account as a positive close account. This will help my history and my credit score. My credit score dropped because this account was mysteriously removed. I just got it put back on several months ago. Please put this account back on my credit ASAP. 

Remove open sky this is hurt my perfectly credit profile.

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 2025-11-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to conduct a proper reinvestigation and verify the accuracy and completeness of the information in my credit file, as required under the Fair Credit Reporting Act ( FCRA ) 609 and 611.

I submitted a written request for a full file reinvestigation, yet the bureau did not provide the required verification, supporting documentation, or proof that the reported information was confirmed by the original furnishers. As a result, I can not determine whether the information in my credit file is accurate, which violates my rights under federal 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 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: NY

Complaint narrative:
I was tricked into sending {$500.00} to a scammer through Chimes Pay Anyone feature. I was deceived under fraudulent misrepresentation, which qualifies for Regulation E protection.

Chime stated they can not assist because I initiated the transfer, but this contradicts Reg E 1005.11, which requires investigation of unauthorized electronic fund transfers caused by fraud or deception. I requested escalation and Chime refused to review my case.

I am requesting the CFPBs assistance to make Chime reopen my dispute, investigate the fraud, and take action to attempt recovery of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Debt Collection Complaint Full Updated Version Complainant : XXXX XXXX Email : XXXX Phone : XXXX Company : Macys Credit Card / DSNB Phone : ( XXXX ) XXXX Summary : This CFPB complaint includes the complete call log documenting more than XXXX calls. These calls occur early in the morning, throughout my workday, during family Sunday time, and while I am at church. 
Complete Documented Call Log : Today : XXXX AM Declined call Yesterday : XXXX AM Missed call XXXX XX/XX/XXXX : XXXX PM Declined call XXXX PM Declined call XXXX AM Missed call XXXX XXXXXX/XX/XXXX : XXXX PM Declined call XXXX AM Declined call Sunday, XX/XX/XXXX : XXXX PM Declined call XXXX PM Incoming call ( XXXX seconds ) XXXX AM Declined call XXXX AM Declined call Saturday, XX/XX/XXXX : XXXX PM Declined call XXXX PM Declined call XXXX PM Declined call XXXX AM Declined call XXXX XXXXXX/XX/XXXX : XXXX AM Outgoing call ( XXXX seconds ) XXXX AM Incoming call ( XXXX seconds ) Monday, XX/XX/XXXX : XXXX AM Declined call Sunday, XX/XX/XXXX : XXXX PM Declined call XXXX PM Declined call XXXX AM Declined call XXXX AM Declined call Saturday, XX/XX/XXXX : XXXX PM Declined call XXXX PM Declined call XXXX PM Declined call XXXX AM Declined call

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 2025-11-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Self Financial Inc.
State: IA

Complaint narrative:
I closed my account with self about a month and a 1 ago. And been waiting for the direct deposit of my money to return and after waiting 7 days I'd give you enough saying we need to verify information. 
So I give them all the information that they need verifying, it's me. I've sent a picture of my birth. Certificate, my ID social security card 2 forms of mail, a picture of my face and they still can't verify that it's me. I have also sent them multiple For PDF of my bank account photos showing that my card number matches my bank statements. My name address payment history is made to self and they still can't verify that it's made and every time that they request this. I send the information needed and a few days later. I get an email back saying it was unsuccessful. I've talked to customer service multiple times and after 2 minutes. They can verify I am who I say I am but can't verify. That is neat through email with all of the PDF that I've sent. 
And on top of this, they stole from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: SC

Complaint narrative:
Ive requested that all three credit bureaus remove inquiries that are not connected to me having an account. There are anywhere from XXXX to XXXX that are not attached to an open account with my name. XXXX is even reporting from XXXX XXXX and it was closed in 2021. The only other account is XXXX XXXX and its charged off. None of these inquiries were completed on my behalf nor did I request service from those companies.

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 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
Starting on XX/XX/year>, I started to get these XXXX transactions. Started as a few every couple of days. Then, on XX/XX/year>, I got 58 transactions in 1 day. On XX/XX/year>, I got 69 transactions, and then on XX/XX/year>, I got 78. Now I had my card locked on the XX/XX/year> and XX/XX/year>, so how did the transactions still go through? I called Chime on the morning of XX/XX/year> and told them what happened. The lady said that she saw all the transactions and confirmed that it was definitely a scam. She asked me questions about the security of my account. I told her that no one has access to my phone or tablet. I don't have kids to make these purchases. I do not live with any family members who ask to use my phone. or would do this. So, she went and reviewed all my transactions, and she said that she had included all of them in the claim to be investigated as potential fraud. She canceled my card and issued me a new one that will be arriving in the mail by XX/XX/year>. The very next day, I got an email saying that they found no error and that I was responsible for the purchases. That's when I decided to try a different approach. So here we are.....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I discovered that Aldous & Associates placed a collection account on my credit report for a debt I have never opened any account with them, was never notified of any debt owed to this entity, and I have no knowledge of this account. Aldous & Associates did not contact me with any written notice or validation before reporting the debt to the credit bureaus. I only learned about it after checking my credit report. When I attempted to verify the information, I was unable to obtain any proof that this debt belongs to me. I am disputing this collection because the account is not mine, was never authorized, and was reported without proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that CFPB review this matter and assist in having Aldous & Associates provide proper validation or remove the collection account from my credit file or legal action will be taken

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Mercari, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I sold a personal item on Mercari and used their prepaid XXXX label service ( {$10.00} ). I entered the accurate weight ( XXXX lb ). Mercari generated the label and I dropped off the package myself with XXXX on XX/XX/XXXX, who accepted it with no issues or corrections. The item was delivered on XX/XX/XXXX. 

After delivery, Mercari deducted a {$97.00} shipping overage from my payout without providing any proof that XXXX actually billed them. This fee was never disclosed upfront. 

Mercaris shipping interface suggests entering dimensions but does not require them. Their policy says : Avoid additional fees by providing weight and package size when selecting a prepaid label. This implies dimensions are optional, and charging a penalty afterward constitutes an undisclosed, retroactive fee. 

I repeatedly requested the XXXX invoice, the re-weigh/re-measure report, the carrier reference ID, and any proof of a XXXX adjustment. Mercari refuses to provide documentation and says theyre unable to due to security reasons. XXXX confirmed to me on XX/XX/year> ( Case # XXXX, agent XXXX ) that only Mercari, as the account holder, can access the billing invoice for this shipment. That means I can not verify the charge unless Mercari provides it. 

Mercaris responses indicate they calculate dimensional surcharges internally and deduct them from sellers without carrier-verified proof. This prevents sellers from confirming accuracy or disputing the charge with XXXX. 

My case : Correct weight entered XXXX accepted the package without correction Delivery completed Mercari charged {$97.00} afterward with no invoice or evidence of a XXXX adjustment This appears to be an internal, undisclosed penalty rather than a legitimate carrier charge. 

I am requesting either : 1. The actual XXXX billing invoice for this shipment, or 2. A refund of the {$97.00} surcharge. 

If Mercari can not provide the carriers invoice, the charge is unverifiable and should be considered invalid under : FTC Act 5 ( unfair/deceptive fees ) CA Bus. & Prof. Code 17200 CA Civil Code 1655 ( ambiguities interpreted against the drafter )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: Aldous & Associates, PLLC
State: AL

Complaint narrative:
After reviewing my credit report, I discovered acct : Aldous and Associated and Acct XXXX XXXX XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX  AL XXXX, and employment : XXXX XXXX XXXX entries that do not belong to me and that I never authorized. I am now also seeing a collection account reported under my name for an account I have no knowledge of and did not open. These items are the result of identity theft. I am requesting an immediate investigation, removal of all fraudulent information, and protection against any further unauthorized use of my personal identifying information. 

This account is inaccurate under 15 U.S.C. 1692g validation of debt. ____ has been reporting inaccurate and incomplete account information to my credit file. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the FTC if the non- compliance continues. Like, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXXXXXX ), ________ may be liable for your willful non-compliance. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), ______may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. 
Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports ; you are in violation. I have attached the definition so you can see the violation! ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, orotherwise delivered, to the consumer, not later than three days after the date on which the report was first requested

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Subject : Retaliation by Mortgage Servicer After Written Dispute Illegal Payment Manipulation ( RESPA/TILA Violation ) I am submitting this update to report that Mr. Cooper has retaliated against me after I sent a formal written dispute and written communication only request on XX/XX/year>. 

Since that date : They posted an illegal payment increase of {$2200.00} They ignored my Cease & Desist and continued calling They changed my XXXX bill even though I already paid They refused to provide written documentation They tried to force verbal conversations They attempted to modify my loan without consent My portal now shows a fraudulent amount due These actions occurred only AFTER I began requesting documents and after VA confirmed XXXX had missing disclosures. 

This is direct RESPA XXXX retaliation, TILA servicing abuse, and consumer intimidation. 

I am requesting : XXXX. Immediate investigation XXXX. Freeze of payment amount XXXX. Removal of illegal charges XXXX. Protection from credit reporting XXXX. A full servicing compliance review Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
* * The information reported is inaccurate and unverifiable. Under the Fair Credit Reporting Act, I am requesting correction or deletion according to the following laws : FCRA 602 Consumer rights to fair and accurate reporting FCRA 607 ( b ) Duty to ensure maximum possible accuracy FCRA 609 Right to full disclosure FCRA 611 Duty to reinvestigate disputed information FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report inaccurate information FCRA 623 ( a ) ( 3 ) Duty to report disputes correctly FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Requirement to provide method of verification I have uploaded the documentation. Please review the file and correct or delete all inaccurate information. * *

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am submitting a complaint regarding inaccurate and inconsistent late payment reporting by XXXX XXXX XXXX on my credit reports. In XX/XX/XXXX, I noticed a late payment reported on my XXXX account from XXXX. I was a co-signer on this mortgage, and the home was sold and the account closed in XX/XX/XXXX, so the late payment being reported does not align with that timeline. In my Initial Dispute with Experian ( XX/XX/XXXX ), I disputed a late payment originally reported for XX/XX/XXXX ; XXXX verified the account but changed the date to XX/XX/XXXX without explanation. In my Second Dispute ( Experian XX/XX/XXXX ), I requested documentation supporting the alleged late payment, and during a call with XXXX  I was told the payment history had been purged because the account has been closed for several years ; despite having no records, they again verified a XX/XX/XXXX late payment. When reviewing XXXX, I later discovered XXXX reported a late payment for XX/XX/XXXX, even though the mortgage account was closed in XX/XX/XXXX ; this is impossible and violates FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 623 ( a ) ( 2 ). After disputing with XXXX, XXXX verified the information again and added a 60-day late for XX/XX/XXXX that was never previously reported. Because I never had any late payments during the life of the loan, I mailed a goodwill/verification letter to XXXX on XX/XX/XXXX ; XXXX confirmed XXXX on XX/XX/XXXX ( Tracking Number : XXXX ). When I called XXXX for an update, customer service stated I could not be transferred to the resolutions team, my request was denied, and that the reporting was accurate, yet they still can not provide documentation because the account was purged. XXXX is reporting multiple inconsistent late payment dates across different bureaus, including dates after the account was closed. They have verified disputes without being able to provide records, changed the reported dates multiple times, reported a XXXX late payment on an account closed in XXXX, and added a 60-day late that was never previously shown.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am submitting a complaint regarding inaccurate and inconsistent late payment reporting by XXXX XXXX XXXX on my credit reports. In XX/XX/XXXX, I noticed a late payment reported on my XXXX account from XXXX. I was a co-signer on this mortgage, and the home was sold and the account closed in XX/XX/XXXX, so the late payment being reported does not align with that timeline. In my Initial Dispute with XXXX  ( XX/XX/XXXX ), I disputed a late payment originally reported for XX/XX/XXXX ; XXXX verified the account but changed the date to XX/XX/XXXX without explanation. In my Second Dispute ( XXXX  XX/XX/XXXX ), I requested documentation supporting the alleged late payment, and during a call with XXXX  I was told the payment history had been purged because the account has been closed for several years ; despite having no records, they again verified a XX/XX/XXXX late payment. When reviewing XXXX, I later discovered XXXX reported a late payment for XX/XX/XXXX, even though the mortgage account was closed in XX/XX/XXXX ; this is impossible and violates FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 623 ( a ) ( 2 ). After disputing with XXXX, XXXX verified the information again and added a 60-day late for XX/XX/XXXX that was never previously reported. Because I never had any late payments during the life of the loan, I mailed a goodwill/verification letter to XXXX on XX/XX/XXXX ; USPS confirmed delivery on XX/XX/XXXX ( Tracking Number : XXXX ). When I called XXXX for an update, customer service stated I could not be transferred to the resolutions team, my request was denied, and that the reporting was accurate, yet they still can not provide documentation because the account was purged. XXXX is reporting multiple inconsistent late payment dates across different bureaus, including dates after the account was closed. They have verified disputes without being able to provide records, changed the reported dates multiple times, reported a XXXX late payment on an account closed in XXXX, and added a 60-day late that was never previously shown.

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