vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account this account is hurting my ability to obtain credit it is my understanding that you will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate Account 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 2025-06-22 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account this account is hurting my ability to obtain credit it is my understanding that you will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate Account XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: TX

Complaint narrative:
I am filing a complaint against Chime Financial regarding an unauthorized transaction that was wrongfully denied despite clear evidence.

Transaction Details : Pay Anyone Transfer {$500.00} / Pay Anyone Transfer {$400.00} XX/XX/XXXX @ XXXXXXXX XXXX XXXX XXXX A fraudulent transfer was made from my Chime account via the Pay Anyone feature. I did not authorize this transaction, did not engage with the recipient, and received no goods or services. I filed four disputes, all of which were denied. I also filed a police report ( available upon request ) and submitted supporting documentation.

Chime has failed to comply with Regulation E ( 12 CFR 1005.11 ) by : Refusing to issue provisional credit during their investigation ; Failing to conduct a reasonable and timely investigation ; Providing vague and inconsistent responses without clear findings. 

This dispute involves unauthorized use, not a scam or user error. My repeated appeals have been ignored, leaving me financially harmed. 

In Chimes denial response, a representative inaccurately stated that I authorized or consented to the transaction. This is incorrect. I did not authorize or initiate the transaction in question. I had no contact with the recipient, did not receive any goods or services, and did not benefit from the transaction in any way. 

This was an unauthorized electronic funds transfer under the legal definition in Regulation E, and the error in Chimes investigation claiming that I consented resulted in a wrongful denial. I provided a police report, yet Chime still mischaracterized the nature of the dispute. 

Chime was recently fined {$3.00} XXXX by the CFPB ( XX/XX/XXXX ) for similar violations. I request immediate intervention and resolution. I am seeking a full refund of the disputed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), unverified information must be removed from my credit report. As this account remains unvalidated, I am requesting that it be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I signed up with my mortgage provider Selective Portfolio Servicing for automatic withdrawl bi-weekly payments to be automatically deducted from my checking account. Every XXXX week since XX/XX/XXXX a payment was withdrawn from my account in the amount of {$710.00}. I never missed XXXX payment, and because of my bi-weekly set up even made XXXX extra payments in those XXXX months. In XX/XX/XXXX I got a annual analysis that showed I was negative in my escrow account and my mortgage payment would be increasing by {$760.00} to a new payment amount of {$2100.00} from my original payment of {$1400.00}. I called them XX/XX/XXXX, and the representative I spoke to for XXXX minutes found the issue and stated since XXXX of XXXX my second bi-weekly payment was not being properly applied to my escrow account, and she submitted a request to have the situation corrected since it was not my fault. On XX/XX/XXXX, I called back requesting an update and spoke with XXXX XXXX for XXXX minutes at extension XXXX and he stated only XXXX payment correction had been completed and that he was escalating the matter to be corrected and to call back in a week. On XX/XX/XXXX I spoke to another supervisor for XXXX minutes and he stated that XXXX 's escalation was never processed and said he would submit it to get corrected up to XX/XX/XXXX. I told him the issue was their fault and it started in XX/XX/XXXX. I asked for it to be corrected and have a new analysis run to correct my monthly payment. He said that I would have to continue to pay the incorrect amount of {$2100.00} until its corrected, if it can even be corrected. I have never missed a payment and don't think I should have to pay for their mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This serves as a formal dispute and legal demand under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), and the Gramm-Leach-Bliley Act ( GLBA, 15 U.S.C. 6801 et seq. ).

I am disputing the reporting and/or collection activity associated with the above-referenced account. As a consumer, I am entitled by law to full validation and verification of any alleged debt. This includes the following three ( 3 ) items, which I am formally demanding : 1. A copy of the original signed contract between myself and the original creditor that bears my wet-ink signature, showing that I agreed to the terms of the alleged debt.

2. A valid and complete letter of assignment or purchase agreement showing that your company has been legally assigned the rights to collect on this alleged debt, per the requirements of FDCPA 809 and applicable contract law.

3. Proof of my written consent that I gave to the original creditor authorizing them to share my personal and financial information with your agency, and proof that I granted your agency permission to further share my personal information with any third parties, as required by the Gramm-Leach-Bliley Act.

If you are unable to provide all three documents within XXXX calendar days from the date this letter is received, you must immediately : Cease all collection activity, Delete all references to this account from my credit report with all consumer reporting agencies ( Experian, TransUnion, and Equifax ), and Cease sharing or selling my personal data in accordance with federal privacy laws. 

Continuing to report unverifiable, incomplete, or inaccurate data constitutes a violation of : FCRA 1681s-2 ( b ) your duty to investigate and correct inaccurate information, FDCPA 807 prohibiting false or misleading representations, and GLBA 6801-6809 unauthorized sharing of consumer data.

Failure to comply will result in : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ), A complaint with the Federal Trade Commission ( FTC ) and the IRS, if applicable, and Legal action for damages under federal law. 

This is a final notice to correct the record. I expect your compliance under federal law. A copy of this letter is being notarized and retained for legal and evidentiary purposes. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Money sent through XXXX to person who I met in person and set up for delivery of appliances. Person took money and never delivered goods. XXXX and Chase will not refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I called XXXX XXXX and asked them. Why was I getting an overdraft fee? I thought it was for a different charge, but they told me it was for a XXXX charge and I said how was it possible? I had the money in my account yesterday and I paid their response was Sometimes companies take a while or up to XXXX days to take money out of your account, but I told I asked if you order something off of XXXX they take the money right then and there because youre paying for a server someone has to go and pick up your food the restaurant has to make your food and everything so I have receipt of me depositing {$24.00} into my account. My girlfriend sending me {$24.00} plus an additional {$12.00} to give me more than what I needed to order us food and now I have an overdraft fee of {$19.00} which doesnt make sense because I had the right amount to pay for my DoorDash order so I will be going into the bank to show them all of this, but I want to make this complaint because theres not the first time where theyve overdraft me or gave me a return fee for something I paid for and they clearly took out of my account every time I pay for something I check my account to make sure that I paid for whatever it is Im paying for the money is not there anymore so therefore why am I getting overdraft fee? This is the third or fifth time that they took in my money I filed a complaint before about them taking my {$40.00}. They still they said theyre working on it and I have not heard back from them about that separate issue. This is my second time making a complaint about them. I am trying to be reasonable, but when you play with my money, you have a problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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 went to look at my credit to do a refinance on my home and I see there is a loan with XXXX XXXX  that I know nothing about. The account number on my credit report is XXXX. Can you all help me take this off im doing this by myself and can really use some help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: GA

Complaint narrative:
I went to look at my credit to do a refinance on my home and I see there is a loan with XXXX XXXX  that I know nothing about. The account number on my credit report is XXXX. Can you all help me take this off im doing this by myself and can really use some help.

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 2025-06-22 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: NY

Complaint narrative:
MY INFORMATION WAS EXPOSED BY EQUIFAX XXXX BREACH, WHICH LED TO FRAUDULENT ACCOUNTS APPEARING ON MY REPORT. I AM ALSO A VICTIM OF IDENTITY THEFT. NOT TO MENTION, THE ACCOUNT IS CLOSED. THE ACCOUNT IS XXXX XXXXXXXX XXXX XXXXXXXX {$0.00}

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 2025-06-22 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: FL

Complaint narrative:
I am a XXXX  of identity theft. The items listed below were not authorized by me and do not relate to any actions Ive taken. This is not a mistake or misrepresentation. My Social Security number was used without my consent. 

Unauthorized inquiries by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Violate XXXX XXXX. XXXX ( no permissible purpose ) XXXX XXXXXXXX No proof of debt was provided Delete under doctrine of estoppel by silence ( XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX and XXXX XXXX No written consent Violates 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 explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
Today, XX/XX/XXXX I received multiple notifications from credit monitoring services indicated there are XXXX new collections accounts on my credit report. The company ; Credit Corp. Solutions ( listed as a debt buyer ) at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, UT XXXX reported not XXXX but XXXX different accounts to my credit report today. I have no clue what the accounts are, or what they're about. Additionally, I've received nothing from this company to suggest that I have any accounts in active collections. I've received NO CONTACT ; No mailed letters, no phone calls, no messages, and no emails indicating I have an outstanding debt prior to it reporting on my credit report. I came to your website to pull a debt verification letter, when I learned they are required to notify you of a debt prior to credit reporting. I don't recognize the beginning of the account numbers they listed as well. Also, it says I opened these in XXXX I have opened NOTHING in XXXX. I was separated, living out of state, for a short time, then in a shelter, and then hotel until we returned to California ( our state of origin ). So, none of it makes sense. I had previously placed a credit freeze on my report, and have followed up with a Fraud Alert today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: FL

Complaint narrative:
They violated my rights as a consumer Under 15 USC 1681B And I need These accounts blocked and removed off my Credit Report as soon as possible. XXXX XXXX XXXX Date XXXX XXXX XXXX, XXXX Dofed XXXX Date XXXX XXXX XXXX, XXXX Dofed XXXX Date XXXX XXXX XXXX, XXXX Dofed XXXX Date XXXX XXXX XXXX, XXXX Dofed XXXX Date XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-06-22 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: GA

Complaint narrative:
Transunion, Experian, and Equifax continue to report several collection accounts that have not been validated or verified as accurate. Per the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. The accounts in question are as follows : XXXX. ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: WA

Complaint narrative:
First Progress switched its website and I was unable to access my account to pay my annual fee. I have called multiple times, once on XX/XX/year> and again on XX/XX/year>. The XXXX phone call I took down a name and a code : Spoke with XXXX XXXX : XXXX XXXX XXXX XXXX 

As of today, XX/XX/year> I just recieved another update that I have a late payment for this card. This is destroying my credit score, which has gone down XXXX points because of this. Additionally, First Progress continues to escalate my late fee. It has gone from {$35.00} to {$140.00} simply because they refuse to close the account and want to keep my money. Keep in mind, this is a secured credit card. The money loaned is my money. This place is a scam. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 explanation
Consumer complaint received 2025-06-22 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-06-22 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: IL

Complaint narrative:
This letter serves as a formal dispute of inaccurate, outdated, and unverifiable information being reported on my credit file

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