vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
These issues I have been going through for a very long time that first started back in XXXX. When my mortgage started to increase from {$1700.00} and continue to escalate. My first attorney that I hired told me that I was going through what he called was predatory lending and he told me not to be concern that he would fix it in court with me paying him {$500.00} a month. He told me also when the Attorney General was in office that she was giving out free to little to no time with payment on the loan before it could be paid for in full. He later told me that he dropped the ball in putting in the needed documents and later rescinded on my case. Which I felted was unfair for him to do knowing that he wasn't there for free, but he was allowed to do so without me receiving any of my funds back. So without being able to give name, this just continue on and on until this present time with attorney after attorney. A severs for one of the many bank that I was transferred from came in around XXXX. This company falsified everything and also even when I was trying to send them my declaration page to have my insurance lowered they claimed that they never received it either from myself or the XXXX other companies I was trying to get insurance with. The house that I got in XXXX I put {$20000.00} down on it after receiving a check from the home that was sold back in XXXX where the College was interested in the property. they gave me {$120.00} for the property and 6 month or less I begin to loss my memory and to this day came locate those funds, which would be a big help right now. The home that was set for {$200.00} and lower with the {$20.00} added on is now said to be almost halve a XXXX, as if I had been living in the home all this time without paying anything. Everything that I have been through was unfair and unjust and I'm asking if someone would look into my case and allow me to get my just rewards that are due to me. As any other human being deserves. There never should have been a letter sent to me after just getting out of XXXX  after taking {$54000.00} out of my wages, without allow me being allowed to go through further investigation on the real issues with my property. Thank you for allow me this time to put in some of my information and I'm still hopeful not to lose the property that I worked so hard to live in. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, XXXX unauthorized XXXX XXXX debits were posted to my Chime account ending in XXXX, totaling {$1500.00}. The charges were : XX/XX/XXXX at XXXX AM {$10.00} XX/XX/XXXX at XXXX AM {$500.00} XX/XX/XXXX at XXXX PM {$500.00} XX/XX/XXXX at XXXX PM {$500.00} I did not authorize XXXX XXXX  to access or charge my Chime account, and I do not have an XXXX XXXX  account in my name. Despite this, the merchant was able to process these debits against my account. 

At the time of these charges, I was only XXXX XXXX XXXX ( XXXX : XX/XX/XXXX ). Both state law and XXXX XXXX own published terms require customers to be XXXX to place wagers. Since I was under XXXX, it was legally impossible for me to provide valid authorization. The merchant failed to comply with required age and account verification rules, and Chime should not hold me responsible for charges that were not legally valid. 

I filed a dispute with Chime on XX/XX/XXXX, and provided supporting documentation. Chime denied my dispute and closed the case, stating that no error occurred. This conclusion is incorrect. This is not simply a fraud/no fraud issue it is a compliance failure. XXXX XXXX processed transactions from an underage individual without valid authorization, and Chime has improperly upheld these debits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: GA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$3600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Balance : {$5800.00} 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, Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$13000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: GA

Complaint narrative:
I submitted a formal dispute to XXXX regarding an auto loan account that was repossessed. In my prior complaint, I clearly requested proper documentation under the FCRA and UCC 9-610, 9-611, and 9-616. XXXX claimed to have responded, but no documentation was uploaded to the CFPB portal, and I did not receive any communication via mail. 
I filed a second dispute after receiving no materials from the first, and as of this complaint submission, XXXX has still not provided the requested documentation, including : Proof of lawful repossession notice Details and accounting of vehicle sale/auction Calculation of the remaining balance In addition to non-compliance with verification laws, XXXX  is reporting inaccurate and inconsistent information across the XXXX major credit bureaus, including : Differing payment histories and delinquency notations Multiple XXXX, XXXX, and XXXX late payments applied across overlapping months ( possible re-aging ) Conflicting balances and charge-off status These inaccuracies, combined with XXXX  failure to fulfill their legal obligations under FCRA 623 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681s-2 ( b ), have directly impacted my ability to obtain housing and auto financing, caused denials, and contributed to emotional distress.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a formal dispute to XXXX regarding an auto loan account that was repossessed. In my prior complaint, I clearly requested proper documentation under the FCRA and UCC 9-610, 9-611, and 9-616. XXXX claimed to have responded, but no documentation was uploaded to the CFPB portal, and I did not receive any communication via mail. 
I filed a second dispute after receiving no materials from the first, and as of this complaint submission, XXXX has still not provided the requested documentation, including : Proof of lawful repossession notice Details and accounting of vehicle sale/auction Calculation of the remaining balance In addition to non-compliance with verification laws, XXXX  is reporting inaccurate and inconsistent information across the XXXX major credit bureaus, including : Differing payment histories and delinquency notations Multiple XXXX, XXXX, and XXXX late payments applied across overlapping months ( possible re-aging ) Conflicting balances and charge-off status These inaccuracies, combined with XXXX  failure to fulfill their legal obligations under FCRA 623 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681s-2 ( b ), have directly impacted my ability to obtain housing and auto financing, caused denials, and contributed to emotional distress.

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 2025-09-03 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: MD

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER 15 U.S.C. 1666B. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-03 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$92.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$190.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : $ These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-03 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: LEXISNEXIS
State: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Response to XXXX XXXX Dear XXXX XXXX, Thank you for your response. However, I must respectfully disagree with your explanation regarding this account. 

According to the information reported on my Experian credit report, the account status clearly reflects : Account charged off. {$5700.00} written off. {$2400.00} past due as of XX/XX/year>. 

The language written off indicates that your company has already taken the account as a loss for accounting and tax purposes. While I understand that a charge-off does not eliminate my obligation to repay, the IRS requires creditors who cancel or discharge {$600.00} or more of a debt to issue Form 1099-C. If your company classified the balance as written off, then it is being used as a tax benefit on your end, and per IRS regulations, the corresponding tax document must be provided to the consumer. By law if the reporting company refuses the consumer a XXXX I can file a lawsuit against company

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 2025-09-03 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to dispute and demand the removal of a fraudulent account that has been placed on my TransUnion credit report. The account in question was reported by XXXX XXXX XXXX XXXX and does not belong to me. 

As proof, I have enclosed documentation from XXXX XXXX XXXX XXXX XXXX XXXX Department stating that my fraud claim was investigated and that I am not responsible for this account. This letter from the creditor clearly confirms that the account is fraudulent. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to block and remove fraudulent accounts once proof of fraud is provided. Therefore, I respectfully request that TransUnion :

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