vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Army and Air Force Exchange Service
State: OH

Complaint narrative:
I have been receiving communication from collector demanding payment when payment is already being satisfied through Treasury Offset Program. 

I have contacted XXXX on multiple occasions. The only response provided has been We are looking into it. 

XXXX, as a private corporation, is utilizing the Treasury Offset Program and harassing me as a private corporation in order to satisfy a debt that they refuse to validate. XXXX is attempting to receive multiple payment methods one through TOP and secondly through voluntary surrender- neither of which does XXXX have authority. 

My SSDI is already being garnished for this non-validated debt and I do not have any explanation from XXXX to why they are even involved in this matter as hey have refused to explain their involvement whatsoever.

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 2025-10-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENOVA INTERNATIONAL, INC.
State: KS

Complaint narrative:
XXXX XXXX XXXX called my mom, my dad, and threatened to show up to my employer. They apparently bought a debt ( one I didnt know I had ) on XX/XX/year>, and not ONCE have they called and left a voicemail making me aware I had a debt owed. There is no way to even make a payment on their website. It appears it has to be over the phone. They went out of their way to find my parents phone numbers before calling me. They also had my full social security number. 

In the email shown below, they admitted they dont even directly collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year>, at XXXX XXXX, I received a call from Chime fraud support, claiming someone was fraudulently attempting to access my account. I was told I would receive a call from a fraud agent and that my account was locked. The Chime representative instructed me to change my bank information. While doing so, the Chime representative transferred {$1400.00} from my checking account to an account with my name on it, claiming it was moved to a " new account. '' This is not the first time a Chime representative has contacted me to change my bank information due to a suspected fraudulent attempt. Chime has denied my claim twice. I have a police report regarding this incident, which I sent to Chime, and I also have a copy of the report. I have the phone number and text messages from Chime related to this incident. 

I am requesting assistance in recovering my funds. Thank you for your help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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 am disputing inaccurate information on my credit report regarding my XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My records show I did not have late payments in XX/XX/year> ( 30 days ) and XX/XX/year> ( 60 days ), yet these are reported incorrectly.Under the Fair Credit Reporting Act ( FCRA ), Sections 602 ( a ), 607 ( b ), 609 ( a ) ( 1 ), and 611 ( a ), I have the right to request correction of incomplete or inaccurate information and for the credit bureau to reinvestigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing inaccurate information on my credit report regarding my XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My records show I did not have late payments in XX/XX/year> ( 30 days ) and XX/XX/year> ( 60 days ), yet these are reported incorrectly.Under the Fair Credit Reporting Act ( FCRA ), Sections 602 ( a ), 607 ( b ), 609 ( a ) ( 1 ), and 611 ( a ), I have the right to request correction of incomplete or inaccurate information and for the credit bureau to reinvestigate.

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 2025-10-21 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: CA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-21 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I am requesting a goodwill adjustment from Wells Fargo for three late payments reported in 2025 across two auto loans. 

During that period, I was undergoing XXXX XXXX  treatment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite these XXXX challenges, I continued making payments and never defaulted or had a vehicle repossessed. Wells Fargos reporting of these payments as late does not reflect my overall payment history or financial responsibility. 

I have contacted Wells Fargos Executive Office with supporting documentation ( XXXX  letter and proof of payments ) but have not received a resolution. I am seeking the removal or re-aging of the three late payments under goodwill and medical hardship considerations. 

I am requesting that the CFPB ensure Wells Fargo conducts a fair and expedited review of this matter in accordance with the FCRA and Equal Credit Opportunity Act.

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 2025-10-21 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: PA

Complaint narrative:
To whom it may concern, On day XX/XX/year>, I looked at my report. I sent a letter to Equifax on XXXX XX/XX/year> asking them to reinvestigate these accounts : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
On day XX/XX/year> they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same..

and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Equifax really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Access Receivables of NC Inc.
State: VA

Complaint narrative:
Final Notice Demand for Removal of Inaccurate Account ReportingTo Whom It May Concern, This is my final written notice regarding the continued reporting under your companys name. You previously stated that this account was returned to the original creditor. Yet your company continues to report it to credit bureaus, which is inaccurate, misleading, and a violation of the Fair Credit Reporting Act ( FCRA ) .If your company no longer owns or services this debt, you are legally obligated to cease reporting it and remove the account from all credit bureaus immediately.I demand the following by XX/XX/XXXX, XXXX. Written confirmation of the date the account was returned to the original creditor. 
XXXX. Written explanation of why your company continues to report the account. 
XXXX. A formal written statement confirming that the account has been fully removed from under my name and will no longer be reported by your company to any credit bureau. 
Failure to comply by XX/XX/XXXX will result in legal action. I am prepared to file suit for damages related to inaccurate reporting, emotional distress, and any financial harm caused. I will also file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Virginia Attorney Generals office.This is not a negotiation. It is a final demand for compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NC

Complaint narrative:
I was scammed by someone I didnt know they ask to use my phone to make a call and I wasnt paying attention the person took off with my phone and went into my account and sent his self {$870.00} out of my account on XX/XX/XXXX it is XX/XX/XXXX still no refund they kept giving me the run around and still is they keep closing my dispute like 6 times after keeping opening I submitted all the details and information they told me to do still no refund and I talk to a chime supervisor they was no help at all I told they Im not letting {$870.00} of my hard working money go like that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX Attn : Equifax XXXX XXXX XXXX XXXX GA XXXX Subject : Dispute of Unauthorized Hard Inquiries ( FCRA, Section 604 ) Dear Equifax, I am writing to formally dispute unauthorized hard inquiries on my credit report. Under the Fair Credit Reporting Act ( FCRA ), Section 604, only inquiries made with my consent and for a permissible purpose may be reported. The inquiries listed below were not authorized by me and are not associated with any open accounts. 

Consumer Identification : SSN ( last 4 digits ) : XXXX. 

Please investigate and remove the following inquiries unless valid proof of permissible purpose and my authorization can be provided : XXXX XXXX XXXX  Equifax XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX. XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX. XXXX XX/XX/XXXX Equifax XXXX. XXXX XX/XX/XXXX Equifax XXXX. XXXX XX/XX/XXXX Equifax XXXX. XXXX XX/XX/XXXX Equifax XXXX. XXXX XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX. XXXX XXXX XX/XX/XXXX Equifax XXXX. XXXX XX/XX/XXXX Equifax XXXX. XXXX XXXXXX/XX/XXXX Equifax XXXX. XXXX XX/XX/XXXX Equifax XXXX. XXXX XX/XX/XXXX Equifax XXXX. XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX. XXXX XXXX XX/XX/XXXX Equifax XXXX. XXXX XX/XX/XXXX Equifax XXXX. XXXX XX/XX/XXXX Equifax Please provide a written response within 30 days as required by law. If you can not verify these inquiries with proper documentation, they must be deleted from my credit report. 

Attached : Copy of government-issued ID and proof of address. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
I am disputing several inaccurate accounts on my TransUnion credit report that I believe are the result of identity theft related to the 2025 TransUnion data breach. These accounts do not belong to me. I have requested a reinvestigation under the Fair Credit Reporting Act and asked for debt validation from the collectors. I'm seeking CFPB 's help to ensure these accounts are properly removed if unverified and that my identity is protected.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AE

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I affirm that the false late payment remarks on my accounts are a breach of 15 USC 1666. My payments have consistently been made on time, and any conflicting entries are both unfair and unlawful.

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 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
SoFi Bank closed my checking account ( ending XXXX ) after initially restricting it for unusual activity, but provided no written explanation, no supporting documentation, and no opportunity to dispute or clarify the alleged issue. A SoFi agent explicitly told me there is no explanation and the decision is final. I fully cooperated, including calling the provided number and speaking with Member I received restriction/closure messaging referencing unusual activity, but SoFi has not cited a specific policy or compliance reason.

I requested a formal explanation and records ; none have been provided.

An agent stated the decision is final with no explanation, leaving me without a path to resolve or contest it.

This has delayed access to my funds and disrupted incoming direct deposits, creating avoidable financial risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
Please delete the false late payment record right away. My account history demonstrates punctual payments, and this error is affecting my peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Hello, My PayPal account was permanently limited due to multiple disputes. However, all of those disputes were legitimate and supported with full evidence. 

The issue started when my cousin sent me money and her bank later reversed the transaction, which caused my balance to go negative. I immediately contacted PayPal and provided all the necessary proof showing that everything was real and legitimate. It was simply a misunderstanding between banks, as my cousin was not used to sending money to the U.S. 

I submitted every piece of evidence required to prove my case and acted in good faith at all times. Despite that, PayPal is now trying to charge me for a negative balance, which is extremely unfair since I never used or spent that money. I did everything I could to resolve the situation as quickly as possible, but XXXX service has been very unhelpful and disappointing. 

I kindly request that you review my case again. I am a verified user and I have always used my account responsibly. Please reconsider this decision and release my funds. 

Thank you for your time and understanding. 

Best regards, [ XXXX XXXX XXXX XXXX ] [ XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this statement to the Consumer Financial Protection Bureau ( CFPB ) regarding Experians continued failure to address and remove unauthorized inquiries that remain on my credit report despite multiple disputes. I have previously submitted all supporting documentation, including my FTC Identity Theft Report ( Report XXXX. XXXX ), proof of identity, and evidence showing that these inquiries were made without my authorization or any permissible purpose under the Fair Credit Reporting Act ( FCRA ). Despite my efforts and follow-up communications, Experian has not complied with its legal duty to conduct a reasonable reinvestigation as required by FCRA 1681i ( a ) ( 1 ) ( A ), nor has it deleted unverifiable information as mandated under 1681i ( a ) ( 5 ) ( B ). Their inaction has caused ongoing harm to my credit profile and financial reputation. 

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

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 2025-10-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally dispute the sudden drop in my credit score from XXXX to XXXX after two previously deleted or corrected accounts were reinstated on my credit report. This significant decline of XXXX points has caused me financial harm and appears to be the result of inaccurate or improperly verified reporting. and I have proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX - DATE OPENED : XX/XX/XXXX XXXX  XXXX # XXXX - DATE OPENED : XX/XX/XXXX XXXX  XXXX XXXX  NA # XXXX - DATE OPENED : XX/XX/XXXX XXXX XXXX  # XXXX - DATE OPENED : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX # XXXX - DATE OPENED : XX/XX/XXXX XXXX XXXX  XXXX # XXXX - DATE OPENED : XX/XX/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 2025-10-21 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
The presence of this account has led to emotional strain and sleeplessness. Ive provided the required documents and request prompt deletion.

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