vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
Last week, XXXX XXXX XXXX XXXX XXXX, my XXXX yr old son and I stayed at XXXX XXXX. WE turned the key in at the front desk and the ladies there that early that morning, asked if we were checking out. Days later, we get a {$150.00} charge to our account which was supposed to be frozen, to not allow unauthorized charges or this one, from our account! Plus they took the balance of mypay which was {$13.00}, took a transfer from XXXX  for {$5.00} and change, AND the {$23.00} they advanced me that day and are charging me {$2.00}! So, I complained and filed a dispute. So that's under investigation. XXXX online says I can get {$45.00} mypay advance today.. payable on PAYDAY, which is not, again, today! They turned around and agreed to loan me the {$45.00} to payday but took it out of my account for the transactions in disputing leaving us, again, broke and owing chime {$2.00} for the payday loan they just gave me!!! I'm BEYOND sad right now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-12 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 HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS List of Accounts to Delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  List of Inquiries to Remove : XXXX XXXX XXXX XXXX If these accounts and inquiries can not be fully validated with supporting documentation ( signed contracts, billing records, proof of authorization ), they must be deleted under FCRA 1681i within 4 days of receipt. 
Failure to respond constitutes agreement under the doctrine of estoppel by silence and will be interpreted as admission that the information is inaccurate and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Apelles, LLC
State: MD

Complaint narrative:
Apelles , LLC. 
XXXX XXXX XXXX XXXX, OH XXXX Subject : Cease-and-Desist Communication Regarding Debt Collection Dear XXXX, XXXX, I am writing to formally request that you cease all communication with me regarding the alleged debt associated with account number XXXX. 
Your recent communications, including leaving voicemail messages and or text messages, have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). These messages were invasive and potentially disclosed private financial information to third parties.

Under FDCPA 1692c ( c ), I am requesting that you immediately cease all contact with me regarding this matter. Should you fail to comply with this request, I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney generals office. 
Sending extensive text messages about an alleged debt, prior to providing validating documents has violated my rights. 
Thank you for your immediate attention to this matter. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: CBC Companies, Inc.
State: MI

Complaint narrative:
Complaint againsXXXX XXXX XXXX XXXXXXXX, XXXX, and XXXX XXXX XXXX : Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I am filing this complaint against Innovis, XXXX, XXXX, and XXXX regarding inaccurate and incomplete information on my consumer report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have sent ( and attached to this complaint ) a formal letter demanding the following actions from this company : 1. Dispute of Entire File : I dispute the accuracy and completeness of all information contained in my consumer report held by this company, including personal data, accounts, public records, inquiries, and sources.

2. Full Reinvestigation : I demand a thorough reinvestigation of every item within the FCRA-mandated 30-day timeframe. I do not consent to any extensions. If the investigation is not completed within 30 days, the disputed information must be deleted.

3. Demand for Original Contracts : I demand copies of the original, handwritten, ink-signed contracts or agreements for every account listed on my report furnished to this agency. If unavailable, provide all documentation establishing the debt and terms. 
4. Demand for Full Credit Report : I demand a complete copy of my consumer file disclosure ( full credit report ) from this agency.

5. Demand for Security Freeze ( On XXXX  file only ) : I demand Innovis place an immediate security freeze on my consumer file, pursuant to 15 U.S.C. 1681c-1.

I am requesting the CFPB 's assistance in ensuring all complies fully and timely with its obligations under the FCRA regarding my dispute, investigation request, demand for contract copies, file disclosure request, and security freeze request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: PA

Complaint narrative:
I am writing to file a formal dispute and complaint regarding inaccurate and inconsistent credit reporting on my XXXX XXXX XXXX XXXX account, which is currently being reported by TransUnion and Experian. This account is being misrepresented in a way that violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I am requesting immediate deletion of the account from both credit reports. 

Account Details : Creditor : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Experian Account # : XXXX Inaccuracies Identified : Transunion Open Date XX/XX/XXXX High Credit Limit {$20000.00} Date Last Active XX/XX/XXXX Equifax Open Date XX/XX/XXXX High Credit Limit These discrepancies are material, misleading, and directly impact my credit profile and lending opportunities. The inconsistent data across both credit bureaus suggests a lack of reasonable procedures to ensure accurate reporting, in clear violation of : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation upon notice of dispute.

15 U.S.C. 1681s-2 ( b ) Furnishers failure to correct and update inaccurate information after notification of a dispute. 

Furthermore, Experian has previously been fined by the Consumer Financial Protection Bureau ( CFPB ), including a {$3.00} XXXX fine in XXXX, for misleading consumers and failing to properly investigate disputes, a pattern of behavior that appears to continue in this case. 

Action Requested : I am requesting the immediate deletion of this account from both TransUnion and Experian due to : 1. Conflicting and inaccurate reporting of critical account data.

2. Failure by the data furnisher to maintain consistency across bureaus.

3. Failure by the credit reporting agencies to validate and correct the data per FCRA requirements.

Should these violations not be resolved within the 30-day window as required under 15 U.S.C. 1681i, I reserve the right to pursue all available legal remedies, including statutory damages, attorneys fees, and punitive damages under 15 U.S.C. 1681n and 1681o.

Please investigate this matter immediately and ensure full compliance with federal consumer protection laws. I request written confirmation of your actions and a resolution to this dispute.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I got very ill and called to talk to Bank of America that my check was going to be late and I was told that was fine as long as I paid before my next payment was due then I replied this is my last payment for the balance assist I thought everything was ok so I came in to talk to XXXX my business banker for my business account and ask him can he transfer funds from my Checking to my balance assist account to pay it in full on XX/XX/year> and I did not think that XXXX was going to be hit on my Credit report hard was notify by my lone officer that bank of America reported that I was 30 days late and not only that there saying I was late since XXXX XXXX XXXX XXXX XXXX I can not remember but its on my credit report so I am devastate I can not buy me a house because of this so please help me about Bank of America Falsify Information to the credit report Agencies thanks

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 2025-04-12 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant of FCRA 605B ( 15 U.S.C. 1681c-2 ) that you Experain Credit reporting Agency block information appearing on my consumer report that is a result of identity theft and fraud within 4 days of you receiving complaint, This fraudulent and inaccurate information consist of employers these fraudulent accounts have resulted in several fraudulent hard inquiries and collection which I will list below XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses of XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Account Number XXXX XXXX  Account Number XXXX, XXXX XXXX  XX/XX/XXXX Account Number XXXX Number XXXX. XXXX XXXX Account Number XXXX, XXXX XXXX  XX/XX/XXXX Account Number XXXX Number XXXX. Inquiries as follows : XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX 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  Collections as follows XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX Account Number XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, All of the aforementioned accounts, hard inquiries, and collections are a result of Identity theft and fraud. I have attached FTC Identity Theft Report the criminal complaint # is 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 2025-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I attempted to withdraw {$19000.00} in cash from my personal checking account, which Ive done in the past without any issue. However, the branch manager, XXXX XXXX, refused to process the withdrawal unless I disclosed my employment information. Something I was never asked to provide in the past for similar transactions. 

When I asked for a written policy that required this, she printed out several vague documents and told me to find it myself, refusing to point to any specific section that proved what she was saying had any validity. After trying to " Find it myself '' it was clear nowhere in the materials she gave me did it state that employment information is required to complete a withdrawal over {$10000.00} from my own account. 

She then told me I could only take out {$9900.00}, and if I wanted the rest, I would have to come back another day. I asked her directly, So youre saying I can take out {$9900.00} today and then come back tomorrow and do the same? and she replied, Yes. I then asked, Whats the difference? to which she had no valid response. This proven contradiction completely undermines the credibility of her justification and suggests her actions were arbitrary and baseless. 

Not only was her behavior dismissive and rude, but it also felt discriminatory and obstructive. I was treated as though I was doing something suspicious, simply for trying to access my own funds. Her conduct was unprofessional and bordered on unethical, especially considering I complied with all identification and account verification procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: NV

Complaint narrative:
I am disputing a collection account being reported by XXXX XXXX that is currently appearing on all three of my credit reports ( TransUnion, Experian, and Equifax ). 

I have never authorized XXXX XXXX to report or collect any debt on my behalf. I have never signed any agreement or contract with this collection agency, and therefore, they have no legal basis to include this account in my credit report. 

Their actions represent a violation of my consumer privacy and the Fair Credit Reporting Act, as they are reporting personal information without my knowledge, consent, or verifiable documentation. 

On XX/XX/year>, I sent certified dispute letters to all three credit bureaus requesting validation and removal. The tracking numbers show that these letters are currently delayed, so I am submitting this dispute through the CFPB to ensure that my rights are enforced. 

I am attaching the following documentation to support this dispute : Certified letters sent to TransUnion, Experian, and Equifax USPS tracking numbers as proof of mailing and delivery delay Identity Declaration confirming I have no connection or agreement with XXXX XXXX Government-issued ID Utility bill confirming my current address Screenshots from my credit reports showing the account being reported I am requesting that this account be immediately removed from all credit reports, as it is being reported without my authorization and without legal or contractual justification.

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 2025-04-12 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: NV

Complaint narrative:
I am disputing a collection account being reported by XXXX XXXX that is currently appearing on all three of my credit reports ( TransUnion, Experian, and Equifax ). 

I have never authorized XXXX XXXX to report or collect any debt on my behalf. I have never signed any agreement or contract with this collection agency, and therefore, they have no legal basis to include this account in my credit report. 

Their actions represent a violation of my consumer privacy and the Fair Credit Reporting Act, as they are reporting personal information without my knowledge, consent, or verifiable documentation. 

On XX/XX/year>, I sent certified dispute letters to all three credit bureaus requesting validation and removal. The tracking numbers show that these letters are currently delayed, so I am submitting this dispute through the CFPB to ensure that my rights are enforced. 

I am attaching the following documentation to support this dispute : Certified letters sent to TransUnion, Experian, and Equifax USPS tracking numbers as proof of mailing and delivery delay Identity Declaration confirming I have no connection or agreement with XXXX XXXX Government-issued ID Utility bill confirming my current address Screenshots from my credit reports showing the account being reported I am requesting that this account be immediately removed from all credit reports, as it is being reported without my authorization and without legal or contractual justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I do not recognize the addresses and names on my credit report outside of my own. Please remove them all immediately. My only name is XXXX XXXX, My only address is XXXXXXXX XXXX XXXX XXXXXXXX FL XXXX. I have asked Transunion, Equifax and Experian to do so several times and they have refused.

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 2025-04-12 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: OH

Complaint narrative:
Ive been a victim of identity theft and have proof! They still wont take this stuff off my credit knowing its fraud and not me! Experian, TransUnion, Equifax has breached my account again and again. They illegally post fraudulent information regarding my information on my credit report. I dont have any contract with Experian. Or any credit bureaus to obtain my information my rights to privacy has been violated under FDCPA and FCRA! I filed FTC report as for years. I have police reports as well and they told me this illegal. Under 15U.S.C. 1681i ( a ) ( 5 ), I demand the immediate, outdated, or unverified accounts and inquires!! Failure to comply within 30 days will result in fomal complaints CFPB, FTC, and legal action for damages under 15 U.S.C 1681n and 1681o.

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 2025-04-12 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: OH

Complaint narrative:
Ive been a victim of identity theft and have proof! They still wont take this stuff off my credit knowing its fraud and not me! Experian, TransUnion, Equifax has breached my account again and again. They illegally post fraudulent information regarding my information on my credit report. I dont have any contract with Experian. Or any credit bureaus to obtain my information my rights to privacy has been violated under FDCPA and FCRA! I filed FTC report as for years. I have police reports as well and they told me this illegal. Under 15U.S.C. 1681i ( a ) ( 5 ), I demand the immediate, outdated, or unverified accounts and inquires!! Failure to comply within 30 days will result in fomal complaints CFPB, FTC, and legal action for damages under 15 U.S.C 1681n and 1681o.

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 2025-04-12 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: OH

Complaint narrative:
Ive been a victim of identity theft and have proof! They still wont take this stuff off my credit knowing its fraud and not me! Experian, TransUnion, Equifax has breached my account again and again. They illegally post fraudulent information regarding my information on my credit report. I dont have any contract with Experian. Or any credit bureaus to obtain my information my rights to privacy has been violated under FDCPA and FCRA! I filed FTC report as for years. I have police reports as well and they told me this illegal. Under 15U.S.C. 1681i ( a ) ( 5 ), I demand the immediate, outdated, or unverified accounts and inquires!! Failure to comply within 30 days will result in fomal complaints CFPB, FTC, and legal action for damages under 15 U.S.C 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX. Without my knowledge the Federal Student Aid people " applied '' for the Total and Permanent Discharge of my loans a semester before XXXX XXXX They claim they sent a letter explaining I needed to " opt out '' for this to be held. They claim they use a list of names the XXXX XXXX XXXX provides them of 100 % XXXX XXXX XXXX veterans. ( the VA potentially has violated XXXX by disclosing my medical conditions to someone outside of the VA with my written medical release/authorization ). They claim they sent the letter to an address I did not even live at. At the time I lived in Washington DC and attended XXXX. The letter was supposedly sent to North Carolina residencewithout requiring a signature or with delivery confirmation to ensure they knew it was delivered. Due to this my loans were forgiven and they apparently did not forgive my remaining balance even though I am entitled to it by law. Per the law after the discharge the only way I could receive further student aid is by getting a XXXX XXXX XXXX XXXX saying my XXXX no longer affects my ability to work and I had to fill out a form acknowledging the additional loans would not qualify for TPD based on my XXXXXXXX XXXX XXXX XXXX. None that occurred. They have waited 5 years and now they are filing things on my credit that I had no idea existed ; for money I do not owe. My credit score/XXXX score has dropped significantly. I have called MOHELA and Federal Student Aid numerous times one day I was on the phone for 6 hours and they still did not provide me with the documentation I have requested showing I owe this money. They told me a new company is taking over the TPD process and they would be able to fix it but that won't happen until the end of XXXX XXXX. My credit is being destroyed while I sit in limbo and can't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Never Recieved 1099c states closed and charged off asked for 1099 c never got response

Company response to consumer: Closed with explanation