vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 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: VA

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 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 2025-09-21 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: VA

Complaint narrative:
I constantly check my credit report and noticed that the errors and false misleading information for individual account didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these item below. 
XXXX XXXX XXXX Balance : Balance {$410000.00} XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$41000.00}

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 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime closed my account for no reason when I asked for help or the reason it just said I violated policies but I didnt violate anything? I just asked for a reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I 'am righting to formally express my concerns regarding zelle 's handing of disputes, particularly in light of resent XXXX lawsuit highlighting significant issues with the platform, despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. the XXXX, XXXX finding indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams the lack of accountability and transparency is unacceptable and serious concerns about the consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: CO

Complaint narrative:
The account opened date is XX/XX/XXXX and has a amount of XXXX and I spoke to the collection agency about it and was told I just needed to pay it off and I told them I have visible mobile and had them since XXXX of XXXX with a prepaid yearly subscription and can provide them the information and was told they were going to keep calling me and try recovering measures to collect the amount they say I owe its a fraudulent account its not mine

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 2025-09-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: NY

Complaint narrative:
I am filing this complaint because Possible Finance has reported late payments on my account, which I fully acknowledge occurred during a period of significant personal hardship. I went through addiction and was in recovery at the time of these missed payments. Since then, I have rebuilt my life, stabilized my income, and made every effort to fulfill my obligations and rebuild my credit. 

I contacted Possible Finance directly and submitted a goodwill deletion request explaining my circumstances. I initially received a denial from their automated AI agent, followed by a second denial from a human representative ( attached ). Both responses cited federal reporting accuracy requirements, but they did not consider that goodwill adjustments are a recognized industry practice for consumers demonstrating extenuating circumstances and recovery. 

I am not disputing the accuracy of the late payments I am requesting that Possible Finance consider a goodwill adjustment, which is permitted at their discretion, especially given that my loan has since been closed and paid in full. My goal is to move forward and rebuild my financial stability without being held back by past mistakes tied to personal hardship.

I am requesting that the CFPB review this matter and ask Possible Finance to reconsider my request for a goodwill adjustment, or to provide a detailed explanation of why they can not exercise discretion in this situation.

Requested Resolution : Removal of late payment marks via goodwill adjustment, OR Written confirmation from Possible Finance explaining why goodwill adjustments are categorically denied despite consumer hardship.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Account was blocked on XX/XX/year>. I made multiple calls attempting to find reason for block and timeline for resolution. Initially I was provided with a 24 to 48 resolution. I made several calls after 24 and 48 hours expiration, no resolution. I went to a branch and also no help. Tomorrow will be 5 business days and 8 calendar days and I can not access my funds where my salary is deposited and payments are made.

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 2025-09-21 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: EQUIFAX, INC.
State: VA

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 non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/2025, I noticed a charge on my Chime account for {$100.00}. I don't use my card very often, because most of my purchasing is done online. It wasn't until then that I realized that my Chime card, and two other cards were missing, along with {$39.00} in cash. I immediately froze my card and and tried to dispute the charge through the online Chime mobile app which is how I do all of my business with Chime. I called the police and made a report, but was still informed that I would have to wait until the transaction was completed in order to dispute the charge. In the meantime, I reached out to XXXX, and was informed that I would have to take the issue up with my bank. On XX/XX/2025, the charge was completed and I filed my dispute. Chime said that it could take up to 90 days for a resolution. To my utter shock, within less than 24 hours, they had " investigated " and denied my claim. I called Chime back to find out how they had investigated anything in less than 24 hours. They then informed me that I needed the police report/ case number, which I sent to them. That case number being, XXXX. Again, in less than 24 hours they had denied my claim again. It seems to me that Chime doesn't think that they should be held accountable to protect my money because they are, as it was described to me, " a banking platform, not a bank. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Mi XXXX XXXX XXXX The Company reported this account as a charge off on my credit report. The company is committing tax fraud by keeping this account on my consumer report when the debt has been cancelled. According to 15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in " consumer reports ''. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I May presume that no proof of the alleged debt, nor therefore any such debt in fact exists. According to 15USC 1681eb Compliance Procedures maximum possible accuracy. According to 15USC 1681a ( 2 ) ( b ) says the consumer report does not include authorizations or approvals of specific extensions of credit. I also read that inaccurate account that is furnishing on my credit account as debt is cancelled debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Mi XXXX XXXX XXXX The Company reported this account as a charge off on my credit report. The company is committing tax fraud by keeping this account on my consumer report when the debt has been cancelled. According to 15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in " consumer reports ''. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I May presume that no proof of the alleged debt, nor therefore any such debt in fact exists. According to 15USC 1681eb Compliance Procedures maximum possible accuracy. According to 15USC 1681a ( 2 ) ( b ) says the consumer report does not include authorizations or approvals of specific extensions of credit. I also read that inaccurate account that is furnishing on my credit account as debt is cancelled debt.

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 2025-09-21 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I received a letter in the mail on Thursday XXXX XXXX 2025, stating I was delinquent on a XXXX XXXX XXXX Credit Card ending in account number XXXX. It also stated I opened this Credit Card on XX/XX/year>. This card is now on my Credit Report. They supposedly lowered my credit line to XXXX and now past due {$150.00} This account is false. I never opened or applied for a XXXX XXXX XXXX Credit Card. 

There are two of there Addresses type on the document ( letter ) I received. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is all the information I have on this matter. 

Thank you Kindly,

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 2025-09-21 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: Lendmark Financial Services
State: SC

Complaint narrative:
I have a UNAUTHORIZED HARD INQUIRY on my credit report. 

Went through XXXX XXXX for a Pre-Qualify Soft Pull Will Not Affect Your Credit check process. Note : To see possible rates and or terms. 

All companies followed the Soft Inquiry process ( Please see credit report ) accept LENDMARK FINANCIAL SERVICES placed a soft inquiry on my report and simultaneously also PLACED A HARD INQUIRY which was not supposed to be placed on my credit through this SOFT PULL process. 

No completed application was processed either in person or in a LENDMARK FINANCIAL SERVICES office. This is including no documentation, paystubs and other official paperwork was submitted. 

LANDMARK FINANCIAL SERVICES did not have my permission to conduct a HARD PULL INQUIRY on my credit report. Only a soft pull process just like the other companies processed.

LANDMARK FINANCIAL SERVICES committed FRAUD. Please delete the UNAUTHORIZED INCOMPLETE HARD PULL INQUIRY from my report.

FTC Identity Theft Report has been attached with this report. The FTC REPORT is a total of three pages long. Which includes 1 report and two blank pages making a COMPLETE FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
We have a discharged bankruptcy from XX/XX/XXXX, everything in our credit was discharged. I have a company who has not notified us in writing or by phone of any such debt. They sent it to collections. The company is Credit management company out of XXXX pa. They say the original debt was to XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  for {$3200.00} and that the origination date of XX/XX/XXXX. They reported to credit bureau as if XX/XX/XXXX. I have not been to an XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/XXXX Synchrony Bank closed my account and sent my balance to a collection agency. XXXX XXXX XXXX is the collection agency that had my debt. As of XX/XX/XXXX, I made a one-time payment satisfying the balance and the account has been paid in full. When I reached out to Synchrony Bank, they stated that the account was closed, and they couldn't speak to me about this account. 90 days passed and my account was still not updated. Then I filed a complaint against XXXX XXXX XXXX. After filing the complaint, they finally sent me letter showing a XXXX balance. On my credit report it still shows a balance of {$1100.00} and shows its delinquent.

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 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I paid off my American Express account ( account number XXXX ) on XX/XX/year> and also on the same day cloased this account because of charges ( {$19.00} ) and late fees ( {$29.00} ) that were posted to my American Express account by American Express without my authorization or knowledge. 

This ctedit card company has had a history of doing this for individual consumers because their policy is to collect fees from individuals who have no legal representation and are easy to go after to extract late fees and other charges not disclosed to the cardholder pteviously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX ohio ] [ XXXX ] [ XX/XX/XXXX ] Date : [ XX/XX/XXXX ] Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Request to Block Fraudulent Accounts Under FCRA 15 U.S.C. 1681c-2 Engagement Code : XXXX To Whom It May Concern, I am writing to formally dispute and request the immediate blocking of several fraudulent accounts that appear on my Equifax credit report. Equifax has informed me of a data breach involving the exposure of my personal information, and I have been provided with an XXXX XXXX XXXX verifying this incident. 

The fraudulent accounts are as follows : XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX These accounts were not opened by me and are the result of identity theft. Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, I am demanding that Equifax block and remove these accounts from my credit file. Under the FCRA, Equifax is required to block this information no later than four ( 4 ) business days after receiving my request and supporting documentation. 

Enclosed are the following documents to verify my identity and support this request : A copy of my government-issued identification ( drivers license or state ID ). 

Proof of my current address ( utility bill or bank statement ). 

A copy of my FTC Identity Theft Report [ or police report, if applicable ]. 

A copy of the notice containing my XXXX XXXX XXXX provided by Equifax regarding the data breach. 

Please confirm in writing once these fraudulent accounts have been permanently removed from my Equifax credit file and ensure that no further reporting of these accounts occurs. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding an account that Jefferson Capital Systems has reported in my name. This alleged debt is completely fraudulent. 
Creditor listed : XXXX ( which I have never had an account with ) Collection agency : Jefferson Capital Systems Date reported : XXXX Status : Currently appearing on my credit report I have never conducted business with Jefferson Capital Systems, nor have I ever had an account with XXXX. This is a clear case of either identity theft or inaccurate reporting. This collection account is not valid and must be removed immediately from my Credit file. 
Jefferson Capital Systems has caused harm to my credit standing by reporting false information. I demand a full investigation into this matter and the immediate removal of this fraudulent account. 
I request confirmation in writing that this account has been deleted from my credit report. 
Thank you for your urgent attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Unauthorized use of Trademarked property XXXX XXXX Experian breached my data that they never had permission to have in first place and breach is just admission of theft and authorized use. Per settlement I want experian to give me full restoration services and correct my credit to that of a fair and equitable score so that I can actually get approved for car or house. Due to CPFB not enforcing rules and regulations SEE 18 USC 8. Public law XXXX XXXX. 

Any amount due or to become due shall be paid by XXXXXXXX XXXX XXXXXXXX XXXX In XXXX established for settlement of debts and is obligated party designated to due so. 

Proper presentment will yield proper payment so why am I receiving bad credit when in fact its United States and CPFB IS Negligent party as CPFB known all debts are obligations of Untied states and is aware of ongoing injury to all Americans that are being extorted to pay debts that are not theirs?

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 2025-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I filed a complaint with Truist bank for an unauthorized debit charge from XXXX merchant. Truist decided to talk to XXXX only and never gave me the customer of Truist a chance to provide evidence that XXXX never had consent to take my monies at will from my account. A dispute was filed before monies were taken and also XXXX sent me a email stating that my contract with them expired before anything was resolved. I believe Truist disregarded my complaint for bias reasons, its wrong and they should be held accountable for thier actions

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