vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: NC

Complaint narrative:
I was scammed into sending money from my Chime account to a person who promised to provide a service. They kept telling me the payments werent going through and told me to send more. I ended up sending XXXX separate payments and never received anything. 

I contacted Chime to file a dispute. The representative ( XXXX ) refused to help me, stating that because the money was sent to a person and not a merchant, they could not file a dispute. This is incorrect and violates Regulation E, which provides protection for fraud and unauthorized transactions regardless of the recipient. 

I was issued ticket number XXXX, but no proper dispute was filed. Instead, I was told to press charges, which is not a valid substitute for a dispute under federal law. 

I am requesting that Chime be required to follow federal law, open a formal Regulation E dispute, and issue a provisional credit while the investigation takes place. 

I sent a total of XXXX transactions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
This letter serves as a formal and urgent second dispute regarding a fraudulent collection account currently appearing on my credit report.

Under my rights established by the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), and the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am demanding an immediate investigation and full validation of the following account : Creditor or Collection Agency Name : XXXX XXXXXXXX XXXX Account Number : XXXX Amount : {$790.00} Date of Account : XXXX I did not authorize this account, nor do I recognize the alleged debt. I strongly assert that this account is fraudulent and has no connection to me. Its presence on my credit report is causing unjust damage to my creditworthiness. 

Under Section 809 of the FDCPA, you are legally required to provide me with written verification of this debt. This includes a copy of the original contract bearing my signature and a full accounting of the amount allegedly owed. Until such proof is provided, you are not permitted to report or continue reporting this debt to any credit reporting agency under federal law. 

If you can not provide such verification within the legally allotted time ( 30 days from receipt of this notice ), you are required by law to remove the account entirely from my credit report and cease any further collection activities. 

This letter serves as both a formal dispute and a demand for validation. Failure to comply with your legal obligations under the FCRA and FDCPA may result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office. I reserve the right to pursue legal remedies if necessary. 

Please confirm in writing that the account has been deleted or provide the legally required validation documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: PA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 


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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: United PanAm Financial Corp.
State: PA

Complaint narrative:
Your Full Name XXXX XXXX Your Address XXXX XXXX XXXX XXXX, State ZIP Code XXXX XXXX Date XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Credit Report Dispute Inaccurate Reporting by [ Creditor Name ] Dear [ XXXX ] XXXX I am writing to formally dispute inaccurate and outdated information on my credit report. This letter concerns the account reported by : Creditor : United Auto Credit Co Account Number : XXXX Issue : The account is reported as closed, yet charge-off activity continues to appear into XXXX. 
The payment history shows repeated charge-off ( CO ) statuses that do not align with actual activity or closure date. 
The balance reported ( {$16000.00} ) exceeds the original balance ( {$15000.00} ), which seems mathematically inconsistent for a closed charge-off account. 
I request validation and correction or removal of these inaccurate marks. 

Please investigate this matter and provide written confirmation of the results of your investigation. If this information can not be verified, I request that it be removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

Attached are screenshots of my credit report from XXXX  to support my dispute. 

Sincerely, XXXX XXXX Date of Birth XX/XX/XXXX SSN ( Last XXXX Digits ) : XXXX Phone Number : [ XXXX ] Email : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CARS Acquisition, LLC
State: NM

Complaint narrative:
On XX/XX/year> I put XXXX $ down to purchase a used car from XXXX XXXX at XXXX in XXXX, NM. Process to apply for financing wasn't explained correctly and I was pressured into signing contract due to his misleading facts regarding car. My info such as address and even spelling of name was incorrect. This car which i should trusted my gut on, started giving me issues driving off the lot. It was obvious he just reset the check engine light. He said there was bad gas in car causing this. About 3 weeks later this car broke down and stalled on me on highway almost causing an accident. Car was picked up and towed but I have no info on where car was taken. Neither him nor his lender XXXX XXXX XXXX XXXX will help me. This money that XXXX XXXX stole from me was meant to provide transportation to my family and he has made it hard for me to even get information or start arbitration process. I encourage everyone to stay away from here. It's frustrating that laws won't protect us consumers but people like him can steal and commit fraud with no worries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: TN

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-03 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.
State: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-03 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.
State: NJ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year> while in XXXX XXXX XXXX XXXX XXXX credit card was overcharged in a souvenir shop. My husband and I were charged {$240.00} for a simple cotton t-shirt. This was NOT the price we agreed on. Upon paying we were scammed and charged in pesos a total of {$4700.00}, however we did not SIGN for that transaction. The vendor took our card and inserted the chip but never showed us the total or gave us a receipt to sign. We were given a very minimal receipt that didnt explain the purchase. See attachment below. It wasnt until the purchase posted on our credit card that we realized how badly we were scammed. We tried to return to the vendor and could not find him. I have tried to settle with CitiBank but they are not abiding by protecting the customer and let the charge go through making me responsible for 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 monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: NY

Complaint narrative:
I am submitting this complaint against [ Insert Creditor or Collection Agency Name ] due to ongoing violations of federal credit and billing laws. 

The company has reported my credit card account as closed, yet continues to show it as delinquent with updated late payments after the closure date. According to my credit report from XXXX, the delinquency is still showing as updated or reported recently, despite the account having no new activity and being closed. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), which prohibits furnishers from reporting inaccurate or misleading information. Reporting ongoing delinquencies on a closed account constitutes re-aging the debt, which is illegal and unfairly damages my credit profile.

In addition, the creditor or its third-party agent failed to comply with 15 U.S.C. 1666b ( a ) of the Truth in Lending Act ( TILA ). Payments were marked as late even though billing statements were not delivered at least 21 days prior to the due date, as required by law. If a collection agency was responsible for sending statements, they did not issue monthly, Regulation Zcompliant billing statements as required. This invalidates any late fees, charges, or delinquency notations. 

I am requesting the following : Removal of all late payment or delinquency notations on the closed account A full investigation into the billing and reporting practices Proof that any billing statements were sent properly and lawfully Enforcement of compliance with FCRA, TILA, and the Fair Credit Billing Act ( FCBA )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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.
State: IL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and XXXX  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 2025-07-03 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual abou t whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: TX

Complaint narrative:
Notice to Cease and Desist XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Texas XXXX XXXX XXXX Plaza Services LLC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX STOP All DEBT COLLECTION CALLS & NOTICES This letter is in response to all letters, emails, phones calls, or any other media of communication where I've received notices from your organization. In accordance with the Fair Debt Collection Practices Act, communication from your organization in regard to the debt you are attempting to collect. In response to this " Cease Communication '' letter, and in accordance with the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collections efforts, or to notify me that a specific action will take place. If this alleged debt belongs to me, the please provide the Validation of Debt agreement that speaks on my behalf. In accordance with 15 U.S. Code 1692g, please send me a detailed list of the history of payments I've made on this account. I also want to witness the signature that I've signed on official contact documents guaranteeing that I will pay this creditor or your agency. I am also requesting proof that there have been any insurance claims found on this debt. And lastly, I will request proof that you have the chain of title to collect on this debt. Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming your acknowledgement of this letter, is in violation of the Fair Debt Collection Practices Act. In addition, any third ( 3rd ) party that you use to coerce the collection of this debt shall also be in violation of federal law. If you do not cease communication, a lawsuit will be filed against you. This letter has been sent by certified mail with return also and shall be presented to any court of proper jurisdiction if communication continues. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation