vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, chime sent me this text : CHIME FRAUD ALERT : Chime will NEVER CALL you for a fraud or declined transaction. Did you try to use your Chime card ending XXXX for {$100.00} at 'XXXX XXXX Reply Yes or No. I then replied NO because the transaction was for XXXX and I know I didnt have a subscriptions because I had messaged XXXX weeks prior to ask them and they agreed I had no subscriptions. Chime replied : The transaction was blocked and no funds have been taken from your account. 
If you believe your card was stolen or compromised, please disable transactions in the Chime app and request a new card from the settings screen. which prompts me to think that they didnt complete the transaction because it was fraud. But I was still charged {$100.00} by XXXX. I contacted XXXX to request a refund as I didnt make the transaction, they claimed I did and that someone mustve used my log in to download something they advised me to dispute it, I then tried to dispute it with my bank, Chime, and they also denied me but didnt give me a reason as to why. This supposed app that I downloaded, wasnt on my phone and I had to make an account to even gain access and when I did make an account, I dont have access to whatever it is I paid for. Bottom line, I was scammed by both XXXX  and chime and i just want my {$100.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have reached out to the comapany for access to my credit report and score and they have failed to provide me with my updated information. Per federal law since XXXX the credit bureaus are requied by law to make sure you have acess to you credit report atleast once every wek and Experian has failed to update my credit report and scores since XXXX of 2025 I have attached a copy of such .. Experian is in violation of my consumer rights as i am unable to see my updated credit report. 

update my personal information as it is shown in the documents attached to the complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Called them asking for debt validation on the account request payment history, contract signed with name on it was told they dont have to send me anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: NJ

Complaint narrative:
The Credit Bureaus and XXXX are reporting incorrect information. XXXX is reporting that I owe {$270.00}, that bill was already paid in full yet it's still showing on my credit report. As well, XXXX is reporting an eviction which I was not evicted, rather I gave a 30 day notice and vacated the apartment.

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 2025-05-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I want to dispute this collection from procollect inc for XXXX XXXX XXXX XXXX XXXX due to I didnt stay in this apartment only stayed there for 2 days due to me being very uncomfortable!! According to 15 USC 1692 c you have violated my rights by in lawful communication I would like this removed from my credit report thank 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 explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
Dear Midland Credit Management, I recently reviewed my credit report and noticed an account you are reporting that I do not recognize as valid. Pursuant to my rights under 15 U.S.C. 1692g ( b ), I am requesting complete validation of the debt.

Please provide:1. The full original account documentation from XXXX XXXX XXXX2. A signed agreement or contract with XXXX XXXX Bank.3. The complete payment history, breakdown of charges, and any fees.4. Documentation showing you have legal authority to collect on this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
For reference, prior CFPB complaints on this matter include : CFPB Case # XXXX This is now my third formal complaint submitted against Equifax due to their continued failure to properly investigate and remove an account tied to a XXXX XXXX-related hardship. 

The account in question relates to XXXX at XXXX XXXX, a former apartment where I lived in XXXX  and was forced to vacate due to severe toxic mold exposure. I submitted multiple sets of documentation under protections granted by FCRA Section 605C, including : A signed XXXX form provided by Equifax, returned on time. 
A full mold inspection report. 
Certified USPS confirmation of documents mailed to Equifax and the apartments regional manager ( XXXX XXXX ). 
A letter of intent connected to my Crime Victims Compensation application. 

Equifax continues to delay and send me identical form responses claiming my documents are not certified or deficient without clarifying what is missingdespite already receiving everything required under federal law. 

These delay tactics are not only retraumatizing, but they violate FCRA timelines and are actively preventing me from securing stable housing and completing vital assistance programs ( such as XXXX XXXX, XXXX XXXX XXXX XXXX  ). 

I am requesting : 1. A formal investigation into Equifaxs repeated delays and mismanagement of this process. 
2. The permanent removal of the XXXX account under Section 605C. 
3. Confirmation that all documentation I submitted has been received and reviewed. 

For reference, prior CFPB complaints on this matter include : CFPB Case # XXXX CFPB Case # [ insert second complaint number, if you have it ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: UT

Complaint narrative:
On XX/XX/XXXX I had purchased a refrigerator for XXXX from a sketchy website I thought was legitimate, the next day I had a gut feeling to cancel the transaction, but when I went to look at the website it was all gone, I had taken pictures of the phone number and email address before hand and called the number and emailed but no response. I used a loan from affirm to help me pay it off, it came out to a total of XXXX. I had called my bank and told them everything, I even sent them proof and they said I was not at fault and they gave me my money back, affirm on the other hand said it was delivered and that they cant do anything, they sent me a link verifying that it was delivered but I needed a passcode to see it. I did not receive the passcode. Fast forward to todays date, I am trying to pay it off as Im trying to buy a house in a couple of years, and I called affirm stating I wanted to pay off the debt which was around XX/XX/XXXX, they said true accord, a third party collection has it, so I call them and they said they dont have it, they sent it back to affirm, I called affirm again they said they needed a statement stating that true accord doesnt have it. Which I then had to call true accord again and ask for it, they sent it to my email and I sent it to affirm through email as they requested, they said to wait 3-5 days, 2 weeks had past and no response, so I email again and affirm says they dont have it and I have to call true accord, so now Im going back and fourth for almost 3 weeks now and the collection is nowhere to be found, they both state that the other one has it but when I call they say they dont have it. Im just trying to pay off a loan I was scammed on so I can buy a house in the future and this debt will stop affecting my credit. This all happened before I moved from XXXX XXXX XXXX I currently live in XXXX now but this happened in XXXX where I used to live about XXXX years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: CA

Complaint narrative:
I opened an Equifax account in XX/XX/year>XXXX  and paid for their credit monitoring service ( $ XXXX ). I had access to my account until XXXX XXXX, when I suddenly received a login error instructing me to contact customer service. 

I called Equifax support, and they sent me a link to reset my password. However, despite repeated attempts, the login issue persisted. Equifax support claimed that the issue was escalated to their IT department, and that I would be contacted. I was never contacted by anyone, and my account remains inaccessible. 

At the same time, I continue to receive emails from Equifax demanding that I update my payment method for continued billing of the {$4.00} servicea service I can not access. 

This is unacceptable, as I'm being charged for a product that Equifax has failed to deliver or support. I request immediate action by the CFPB to address : -Equifaxs failure to resolve account access issues -Lack of communication from customer service -Continued billing for services I can not use Please investigate and take appropriate disciplinary or corrective action.

myEquifax login username : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Global Credit & Collection Corporation
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts and Inquiries has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I am tired of disputing information on my credit report and not receiving a reply back/and or the credit reporting agency like Transunion, Experian, and Equifax, will fraudulently update the information as current without showing how they reported and verified the information, i show and been disputing fraudulent addresses, employment, collection companies, that show accounts like medical with is illegal to report, charge offs showing balances that are fraudulent reporting, student loans XXXX XXXX XXXX showing i attended school in XXXX i didn't it also shows charged off with a balance with by law this account was reported on there taxes and was written off there is no possible way to show a balance on a charged off account? that doesn't make any sense, I'm showing hard inquires i don't recognize, and bankruptcy that is not mine nor does the courts comply with credit reporting agencies to allow them to report that information its a breach of privacy, i want all information removed from my credit report within 4 days, i have attached a ID THEFT REPORT, i am attaching and i am also submitting this information to the BETTER BUSINESS BUREAU, and the ATTORNEY GENERAL, and a copy is going to my attorney if this is not removed from my credit report in 4 days, thanks for your time and consideration in this serious matter.

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 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
My money was deposited into a cash app account without my knowledge it's a XXXX XXXX  where I get my weekend check deposited to so it's not a card I check often but last week my sister passed unexpectedly and I needed extra funds and upon checking all my funds had been sent to a cash app account and the card that is linked to this cash app isn't even personalized so I'm confused how can they just disburse my funds with out even having my information.Now I'm out of funds to help with funeral cost and travel to even bury my sister.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: MN

Complaint narrative:
I've heard nothing from them as far as validating these items and I am actively attempting to contact.

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 2025-05-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: ADS Resolve LLC
State: CA

Complaint narrative:
I was called by someone who said they were from XXXX XXXX  saying my social security number was compromised and that someone was trying to open and account in my name. The next day the same thing happened with XXXX XXXX who i have no business relationship with. Supposedly I was then transferred to XXXX  which said they take care of it and then offered debt settlement based on my good credit. I was transferred from one person to the next the last being ADS Resolve located in XXXX XXXX, They coerced me into calling my credit card company and authorizing a large charge XXXX. I then was sent the terms and conditions which I did not sign. On XXXX  XX/XX/year> I called my credit card company XXXX XXXX department to make them aware of the situation. Over XXXX XXXX XXXX the charge was applied. So I called to dispute the charge. So a XXXX party marketing loan or marketing company ( XXXX XXXX?? ) party marketing company provides leads or supplies ADS Resolve with these fraudulent leads. I did sign some online paperwork with initials to start the process but I did not sign the terms and conditions but was chargeed anyway.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
Subject : Non-Responsive Debt Collector Refusing to Confirm Settlement Terms Company : Halsted Financial Services LLC Debt Owner : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) Account Number ( last XXXX digits ) : XXXX Reference Number : XXXX Complaint Description : I received a written offer from Halsted Financial Services on behalf of XXXX XXXX XXXX to settle my charged-off credit card debt for a reduced amount of {$400.00} ( original balance : {$500.00} ). The offer also stated that XXXX XXXX XXXX would submit a deletion request to the credit bureaus upon payment. 

I emailed Halsted Financial Services requesting written confirmation of the following : That a tradeline deletion request would be submitted upon full payment. 

How the account would be reported to the credit bureaus. 

That the {$400.00} settlement offer was valid. 

I received no response. I followed up again but still received no reply. I would like to resolve this account but can not move forward without clarity and written confirmation of the terms. 

Im asking the CFPB to intervene to : Get a formal response from HalstedXXXX XXXX 

Ensure this account will be reported fairly and deleted as promised once settled. 

I am acting in good faith and simply need written documentation before proceeding. 

Resolution Requested : I would like Halsted Financial Services and XXXX XXXX XXXX to provide a written response confirming the terms of the settlement, including their credit reporting practices upon payment. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: GA

Complaint narrative:
I was affected by the several data breaches and is have been violated as consumer that knows their rights per 15 usc 1681g FCRA law. Due to the breach there are some fraudulent and unauthorized accounts and inquiries on my report and the credit bureaus should not be neglecting the accuracy and privacy of my report please remove the accounts attached the disputes asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: GA

Complaint narrative:
I was affected by the several data breaches and is have been violated as consumer that knows their rights per 15 usc 1681g FCRA law. Due to the breach there are some fraudulent and unauthorized accounts and inquiries on my report and the credit bureaus should not be neglecting the accuracy and privacy of my report please remove the accounts attached the disputes asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX I placed an order on XXXX. they were not able to deliver as promised so they released my hold. The bank has not put the money back into my account. When I call, I get told it will take 5 business days and the hang up on me when I get upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
I have been a loyal customer of Citibank for over 20 years, never missed a payment. In the last few years, I have noticed the interest rates for my credit card continuing to rise, they are currently 27.74 %, 21.24 % and 26.24 %. Why is this not considered usury? I contacted Citibank to negotiate a better interest rate ; attached you will find the correspondence I received in response to my request. I checked my account online and according to their own information, I have good credit. When a loyal long-term customer of Citibank tries to negotiate a lower interest rate and receives no assistance whatsoever, that customer may decide to declare bankruptcy. Maybe that will get the point across that consumers do not like being taken advantage of by greedy corporations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
XX/XX/year>, {$3200.00}, I have never used ot has a account with midlands or XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: MI

Complaint narrative:
I am a victim of Data Breach and Identity Theft. I recently reviewed a copy of my credit report and notice fraudulent accounts. Please block and remove these accounts from my profile as it is hurting my ability to obtain credit. Thank 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 explanation
Consumer complaint received 2025-05-25 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: MN

Complaint narrative:
I've heard nothing from them as far as validating these items and I am actively attempting to contact.

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