vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: AL

Complaint narrative:
My identity was stolen due to my car being broken into. My social security card, license, debit cards, and credit cards were all stolen. I had a fraudulent XXXX account, fraudulent XXXX XXXX XXXX, and fraudulent loan taken out in my name. I reported this to the US Federal Trade Commissions Identity Theft.gov immediately and froze my credit to prevent any further damage and followed my extensive plan that they provided me.

As I went across my bank accounts to catch the fraudulent transactions before they got out of hand, I noticed a {$420.00} charge on my chime account that hasnt been accessed by me since XX/XX/year>. I immediately called to cancel the cards and change my account info. I provided substantial proof including my identity theft report to chime. They supposedly secured my account which was false. The next morning while I was sleep, someone was back to logging into my account as I got numerous calls/texts from Chime. When I saw these messages/calls I called chime immediately again. The support agent informed me that someone with a XXXX device had access to my account. I do not nor have I ever had a XXXX device in my 21 years. He blocked that phone from having access to my account and made me change my passwords again. Despite all of the substantial proof, chime refuses to refund my money claiming that no error occurred. So chime support admitted via phone call that someone had access to my account yet 7 days later claims that no error accord despite them SEEING proof of fraud on their end?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC
State: CA

Complaint narrative:
They charge an unauthorized debit card for a loan payment that was never approved for automatic payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I Hereby request Validation of debt collection practice act ( FDCPA ). Statements alone are not sufficient evidence of debt. As established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, a mere statement does not satisfy the burden of proof. therefore I request you provide : XXXX. The original contract or agreement. XXXX. A detailed accounting of the debt, including all charges and payment made. XXXX verification from the original creditor that you have the legal right to this collection debt. Additionally, I demand that you cease and desist from all communication with me, as provided by the FDCPA. This includes, but is not limited to phone calls, email, letters, or any other form of communication. Furthermore, this cease and desist request extends to any form of communication via my consumer reports. Thus, you must delete any entries related to this debt from all consumer reporting agencies. Account # XXXXXXXX XXXX if you fail to comply with this request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted a dispute to Experian requesting the removal of inaccurate personal information, including old addresses that do not belong to me or are no longer associated with me. Despite my formal request and the legal obligations under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ) and XXXX ( a ) ( XXXX ) ( A ), Experian has failed to remove these addresses from my credit report. This inaccuracy is negatively affecting my credit profile, and their lack of action is preventing me from maintaining an accurate 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
Consumer complaint received 2025-03-09 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 recently reviewed a copy of my credit report and noticed a fraudulent account on there. Please remove this account from my credit report. Its hurting my ability to obtain credit. Thank you! |

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
I am writing to formally dispute an entry on my credit report related to a collection account from XXXX XXXX at the address XXXX XXXX XXXX XXXX XXXX XXXXXXXX, with the phone number XXXX. According to my understanding of XXXX XXXX XXXX I believe this entry has been inaccurately placed on my credit report. 
Details of the disputed entry are as follows : XXXX XXXX XXXX has stolen my identity and now they have sold this debt to XXXX XXXX report XXXX - Collection Agency Name : XXXX XXXX- Account Number : [ Insert Account Number - Date of Entry : XX/XX/year> XXXX Amount : XXXX XXXX XXXX REPORT XXXX I have not been provided with sufficient documentation to validate this debt, nor have I received proper notification as required by law. Therefore, I request that you investigate this matter and remove the collection entry from my credit report. 
Please find attached any relevant documents that support my dispute. I would appreciate your prompt attention to this matter and request a written response within XXXX  days as per the Fair Credit Reporting Act. 15 U.S CODE 1681 a Thank you for your cooperation. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this actually and that belong to me. They send nothing causing financial hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: MI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unveriable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.

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 2025-03-10 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: MD

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within XXXX  days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections XXXX, XXXX ( f ) and XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 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 XXXXXX/XX/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 2025-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Someone opened an account in my name. And when I seen this on my credit report I called credit one to remove it and they told me they sold the account to a XXXX  party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been getting text messages and emails from Capital one saying a credit card was on the way. I thought they may be spam so I did not do anything about it, but now I have a credit card that I got in the mail. I did not sign up for this credit card, nor was I even looking into it. I have frozen my credit on XXXX, XXXX, and XXXX. I found an additional phone number on my credit on XXXX site. I requested they delete that number from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I have a venmo account that was suspended for almost XXXX  years they will not give me back my {$300.00} that I have in there they told me it's because of fraud but I have nothing to do with that I don't even know what happened I just woke up XXXX day and my money was frozen and it's been like that for almost XXXX  years I would have done something or said something with the CFPB but I didn't know that. You existed until about a week ago so the only thing I'm asking venmo to do is to give me my money if they want to shut down my account and not do any more business with me they will not give me a reason why they holding my money they just holding it. And this has been going on since XX/XX/year> XXXX

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

Complaint narrative:
I dispute the verification of the debt collection accounts by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please provide the method used to verify it per FCRA 15 U.S.C 1681i. I require this to ensure accuracy on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX I Hereby request Validation of debt collection practice act ( FDCPA ). Statements alone are not sufficient evidence of debt. As established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, a mere statement does not satisfy the burden of proof. therefore I request you provide : XXXX. The original contract or agreement. XXXX. A detailed accounting of the debt, including all charges and payment made. XXXX verification from the original creditor that you have the legal right to this collection debt. Additionally, I demand that you cease and desist from all communication with me, as provided by the FDCPA. This includes, but is not limited to phone calls, email, letters, or any other form of communication. Furthermore, this cease and desist request extends to any form of communication via my consumer reports. Thus, you must delete any entries related to this debt from all consumer reporting agencies. Account # XXXXXXXX XXXX if you fail to comply with this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/year> Subject : Request for Removal of Incorrect Names, Accounts, and Correction of SSN on Credit Report I hope this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to address inaccuracies in my report. Specifically, I am requesting the removal of any names, accounts, and Social Security Number details that do not accurately reflect my identity. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and correct any inaccurate information in my report. According to Section 602, consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Sections 604 and 605 further emphasize the obligation to ensure that information is accurate and to delete unverifiable data. 

Upon reviewing my recent report, the following issues have come to my attention : XXXX. The presence of multiple names including, but not limited to : - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Incorrect accounts associated with any name other than " XXXX XXXX XXXX '' as it appears in this letter. Please remove these accounts from my credit report. 

XXXX. Incorrect reporting of my Social Security Number as ending in XXXX. The correct last four digits of my Social Security Number are XXXX. Any reports reflecting the incorrect XXXX need to be removed. 

I am specifically requesting the removal of all incorrect names and accounts and the correction of my SSN on my profile to ensure compliance with FCRA regulations. The integrity of my report is important, and it is crucial that only my accurate name and SSN are associated with my profile. 


I appreciate your prompt attention to this matter and look forward to your response. Please inform me if you require any further information to facilitate my request. 

Thank you for your assistance. 

Sincerely, 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 2025-03-09 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: PA

Complaint narrative:
I am a XXXX XXXX XXXXXXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TRANSUNION I Hereby request Validation of debt collection practice act ( FDCPA ). Statements alone are not sufficient evidence of debt. As established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a mere statement does not satisfy the burden of proof. therefore I request you provide : XXXX. The original contract or agreement. XXXX. A detailed accounting of the debt, including all charges and payment made. XXXX verification from the original creditor that you have the legal right to this collection debt. Additionally, I demand that you cease and desist from all communication with me, as provided by the FDCPA. This includes, but is not limited to phone calls, email, letters, or any other form of communication. Furthermore, this cease and desist request extends to any form of communication via my consumer reports. Thus, you must delete any entries related to this debt from all consumer reporting agencies. Account # XXXX Capit if you fail to comply with this request.

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 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX I Hereby request Validation of debt collection practice act ( FDCPA ). Statements alone are not sufficient evidence of debt. As established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, a mere statement does not satisfy the burden of proof. therefore I request you provide : XXXX. The original contract or agreement. XXXX. A detailed accounting of the debt, including all charges and payment made. XXXX verification from the original creditor that you have the legal right to this collection debt. Additionally, I demand that you cease and desist from all communication with me, as provided by the FDCPA. This includes, but is not limited to phone calls, email, letters, or any other form of communication. Furthermore, this cease and desist request extends to any form of communication via my consumer reports. Thus, you must delete any entries related to this debt from all consumer reporting agencies. Account # XXXXXXXX XXXX if you fail to comply with this request.

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax will not update my credit report to reflect current accounts that valid open and reflect on the other XXXX credit reporting agencies. My current credit report on Equifax is totally inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC
State: ID

Complaint narrative:
Loan Depot experiences higher than acceptable issues with their services, accounts, and platform. 
In stating such, they are not held accountable in any way and their customer service goes on to blame the customer for issues encountered. 
On multiple occasions, I have been unable to post payment on my loan, due to tech issues on their end. 
They go on to make unauthorized withdraws from my account, to include withdrawing my payment multiple times at once. Then crediting the funds back, but then going on to inform me that my payment is late. 
They will then report you a delinquent on your credit, stating that they had no tech issues at all. 
I confirm with my bank ( XXXX ) that funds were present and no issues were encountered on the banking end. 
However ... Loan Depot creates the one and only negative payment report on my credit and denies any and all responsibility, all while charging me late fees. 
Loan Depot not only needs to remove the report, but needs to be help accountable for making unauthorized withdraws from my personal bank account.

Company response to consumer: Closed with explanation