vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Lockhart Morris & Montgomery Re : Cease & Desist Notice Account No. XXXX To Whom It May Concern, I am formally notifying you, under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), that you are to cease all communication with me regarding the alleged debt associated with Account Number XXXX. 
Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease further communication, the collector must stop all contact except for the following limited reasons : 1. To advise that further collection efforts are being terminated ; 2. To notify me of specific remedies that may be invoked ; or 3. To notify me that you intend to invoke a specific remedy.

Other than these exceptions, you are prohibited from contacting me again via phone, mail, email, text, or any other method.

This letter is not an admission of liability for the alleged debt. I expect full compliance with federal law.

Failure to honor this Cease & Desist request will constitute a violation of the FDCPA and may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

You are hereby instructed to remove my contact information from all communication systems and cease all further attempts to collect this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: KY

Complaint narrative:
Someone hacked into my cash app account and sent {$450.00} to a chime account that I was no longer using. Hadnt for almost a year. After this individual sent it to chime they sit to themself, ( the account name said XXXX XXXX, and I dont know who that is ). I have screenshots of the money leaving my cash app and being taken on chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
I purchased on XXXX 8 items for the amount of XXXX $ they charge me double and 14 days later still showing as pending on my bank is a scam in progress they want to charge me double

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: FL

Complaint narrative:
I am submitting this complaint because Checkr has not properly resolved an ongoing issue with my background report. For the past year, I have repeatedly disputed the report and provided official court documents showing that all charges listed were fully dismissed with no convictions.

Despite submitting dismissal paperwork multiple times and communicating with Checkr through their dispute process, the report continues to return a Consider status instead of XXXX. This inaccurate status is causing me to be denied work through XXXX, even though there is no disqualifying information on my record.

Checkr has not corrected the report or provided a meaningful explanation for the continued inaccurate status after multiple disputes. I am requesting a full reinvestigation and correction of my background report to accurately reflect that the cases were dismissed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: United PanAm Financial Corp.
State: GA

Complaint narrative:
To Whom It XXXX Concern : I am submitting a formal complaint and request for resolution regarding the conduct of United Auto Credit Corporation ( XXXX ) and Vroom XXXX XXXX .. My full complaint, attached, details multiple violations, including : Harassment, repeated and excessive calls, and threatening language by XXXX XXXX XXXX my workplace and third parties in violation of federal laws Automated/pre-recorded calls without consent ( TCPA violations ) Misrepresentation and failure to disclose financing by Vroom Deceptive promises XXXX XXXX condition, warranties, returns, and delivery Requested Resolution : XXXX. Refunds of all fees, late charges, and improperly applied payments XXXX. Account adjustments, including re-aging, balance corrections, and XXXX XXXX XXXX XXXX. XXXX cessation of all phone calls and written-only communication going forward XXXX. Compensation for harassment and XXXX violations XXXX. Full disclosure of all call logs, recordings, and agent notes XXXX. XXXX review of XXXX sales practices and their connection to UACC harassment I request prompt action to investigate these matters, enforce consumer protections, and provide the remedies requested. The attached full complaint contains all supporting details. 

Thank you for your attention and assistance. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Case # XXXX I am submitting new information because Citis most recent letter contradicts their previous statements and still does not provide proof of their claims.

Citi previously told me the Best Buy XXXX  account would be removed and it was removed which indicates they had already determined it was fraudulent. Now they are reversing their position without providing any documentation.

Citi claims I remitted payment but refuses to provide proof of the payment, including : the payment account number, the date, the amount, and any authorization records.

They have provided no application, signature, IP address, bank info or verification showing I opened this account.

I am requesting that CFPB require Citi to provide actual proof or remove the account permanently. I am attaching the letter Citi sent me on XX/XX/year>, which contains conflicting statements and lacks supporting documentation.

Citibank stated in the letter below that Home Depot was denied because i had a freeze. I removed the freeze and still was denied. They never mentioned in the letter about the denial for XXXX which was more recent an they stated I was denied to past relationships and they were talkin about the Best Buy account that was fraudulent that they removed after I spoke to them that they are now saying in this recent letter is accurate and no one from the emergency response unit has contacted me thru phone yet but I was told someone would.

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 2025-11-15 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: OH

Complaint narrative:
I am formally disputing the accuracy of the account listed under my credit file and requesting that your agency provide documented proof that this account belongs to me. Under the Fair Credit Reporting Act ( FCRA ), as well as applicable state laws requiring accurate reporting and verification of consumer debts, you are obligated to ensure that all information reported is fully substantiated. Many statessuch as those with consumer protection statutes requiring creditors to supply competent evidence of ownership, authorization, and liabilityalso require that any furnished account be supported by proper documentation. Therefore, I am requesting the original signed contract, application, or any legally admissible documentation that verifies this account is mine. If such proof can not be produced, I ask that the account be removed from my credit report immediately.

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 2025-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: United PanAm Financial Corp.
State: GA

Complaint narrative:
CFPB SUPPLEMENTAL COMPLAINT UNITED AUTO CREDIT CORPORATION Filed by : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a supplemental complaint against United Auto Credit Corporation ( XXXX ) regarding ongoing and escalating violations of federal consumer protection laws. Despite prior complaints, XXXX has continued unlawful behavior, including : 1. Excessive and repeated daily phone calls.

2. Calls to my workplace despite explicit verbal objections.

3. Calls to third parties, including family and references.

4. Threatening language, false deadlines, and intimidation.

5. Automated and prerecorded calls without consent ( TCPA violations ).

6. Misrepresentation and deceptive practices regarding repossession timelines.

7. Harassment and conduct intended to cause distress or coerce payment.

These actions violate : CFPB Regulation F The Fair Debt Collection Practices Act principles The FTC Act ( 15 U.S.C. 45 ) The Telephone Consumer Protection Act ( 47 U.S.C. 227 ) State consumer protection laws I request : Immediate investigation Enforcement of communication limits Review of all XXXX agent conduct Mandatory written-only communication Review for account adjustment due to unlawful practices Preservation and release of all call logs and recordings

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: DC

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 # XXXX XX/XX/XXXX -- {$470.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX -- {$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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I request evidence supporting the accuracy of reported information, including payment statuses and account balances.

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 2025-11-15 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: OH

Complaint narrative:
I am formally disputing the accuracy of the account listed under my credit file and requesting that your agency provide documented proof that this account belongs to me. Under the Fair Credit Reporting Act ( FCRA ), as well as applicable state laws requiring accurate reporting and verification of consumer debts, you are obligated to ensure that all information reported is fully substantiated. Many statessuch as those with consumer protection statutes requiring creditors to supply competent evidence of ownership, authorization, and liabilityalso require that any furnished account be supported by proper documentation. Therefore, I am requesting the original signed contract, application, or any legally admissible documentation that verifies this account is mine. If such proof can not be produced, I ask that the account be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was notified by my credit card company XXXX, that they claim a payment was rejected by my bank. However, the funds have been sitting there since XXXX and my payment bank tells me there was never any attempted withdrawal and there has been no activity on the account. The funds have just been sitting there since XXXX until the present. None of the funds in that account has had a hold on them so all funds were available since XXXX. The payment was scheduled for XX/XX/year> for the balance that was available on that day of {$2500.00}. I was charged {$120.00} in fees and finance charges because of this messup by Comenity Credit Card. 

Further, this credit card company didn't even notify me of the supposed ACH failure until 11 days later ( XX/XX/year> ). ACH takes 2 days so I think there was something wonky with their system over this time frame. This payment bank account I don't regularly access so I had no reason to suspect the credit card company had failed to take the funds out until they notified me 11 days later. The same day they notified me of the failure, I immediately reinitiated the payment. This money has been sitting in an interest free checking account so I had no unjust enrichment for having them not take the money out when they were instructed to and there was no benefit to me as the funds have just been sitting there idly.

I would also like to point out that I made a successful payment to this same credit card company on XX/XX/year> and XX/XX/year> from this exact same bank account with no issues. Thus this payment bank 's routing number and account numbers which have been saved and on file and not been changed, were correct for the XX/XX/year> payment. 

I have always paid the entire balance on my account in full every month and have never had a failed payment with them in the entire time I've had this account with Comenity.

I tried to resolve this by calling the bank but the operator refused to reverse the charges and when I asked for a supervisor, I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reporting serious identity theft and unauthorized changes made to my Equifax credit file that have completely blocked me from accessing my own account. When I attempted to log in and reset my password in XX/XX/year>, the Equifax website would not allow me to verify my identity. The system repeatedly reset itself, malfunctioned, or kicked me out during the recovery steps. This appears to be the result of someone altering my profile information without permission, including the login email, phone number, or security settings. I have video evidence showing the Equifax site preventing access and resetting itself during verification, available at : XXXX XXXX XXXX XXXX. I have already contacted Equifax by email to report that my identity has been compromised and that fraudulent documents and unauthorized digital activity have been occurring, including stolen personal documents, potential forged authorizations, and impersonation. Despite these issues, my account remains inaccessible, and the online system continues to block proper identity verification. I am requesting CFPB assistance because I can not secure or review my own Equifax file, and there are signs of continued tampering and fraud that Equifax has not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: PA

Complaint narrative:
On XX/XX/XXXX, someone hacked into my Chime account and immediately switched the account to their email, tried sending people hundreds of dollars, they drained my main account and then tried to access funds from a future paycheck, and failed before I got hold of the account Upon immediately calling chime after they only sent me an email that someone changed my information, they helped me reset it in my account and change the email to a new and secure one From there we opened a Dispute for both the my pay advance for {$95.00} and the {$300.00} that they sent to a random person. I was told it could take up to 45 days for the investigation but I should have my money back. 

The next day I receive a notice that the dispute was closed, and there was " no error '' I immediately call them to reopen the dispute and explain to them AGAIN what happened, the process, and even provided the time stamps, within 3 minutes of each other and how fast they gained access to my account and sent the money, the person on the phone even said oh it should get approved this time I don't know why it didn't the first time, he gave me the whole same talk as the first time and said 45 days etc.

Only it took about 24 hours before they denied it for the SAME reason. So of course I call again to re explain the situation without freaking out, because im missing my car payment at this point.I demand to speak to a supervisor, and she apologizes for Chimes mistake on this matter, says shes made special notes on this new investigation they opened up, and is very confused on why they keep denying my dispute given the context, the information I've provided and that it should be good to go, hopefully not denied this time ( because that makes me feel better, right? ) this time the dispute goes on longer than whole day so I think maybe it's actually going through this time, only to wake up this morning to a denied dispute email for the same exact reason.

I trusted Chime to keep my account safe and at least review changes with me before confirming them, no they just let someone gain access to my account and drain it, and they see no problem with that apparently. I will be making other reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
In XX/XX/year>, I reviewed my credit report and found several collection accounts that appear inaccurate or unverifiable. 
Specifically, three separate XXXX are reporting debts that have either already been disputed, are missing documentation, or appear to have been reaged to more recent dates. 

CAINE & WEINER began reporting a collection account opened in XXXX for approximately $ XXXX a XXXX XXXX previously disputed this item with the credit bureaus, but no validation or supporting documentation was ever received.The account continues to appear on my report even though verification has not been provided. 

XXXX began reporting a collection for about $ XXXX related to XXXX, opened in XXXX report contains incomplete identifying information, and the collector has not supplied documentation verifying the debts ownership or details of the amount owed, despite a dispute request. 

XXXX is reporting a $ XXXX account originally from XXXX, opened in XXXXThis account appears to have been reaged multiple times, with more recent dates than the original delinquency.The company has not produced clear proof of assignment or ownership after my disputes. 

Between XXXX, I submitted written disputes to the credit bureaus under the FairCreditReportingAct ( FCRA ) and separate validation requests to each collection agency under the FairDebtCollectionPracticesAct ( FDCPA ) .As of this complaint, the accounts remain unverified and continue appearing on my file, negatively impacting my credit history. 

I am requesting that each company provide proper verification of the debts, correct any inaccurate or reaged information, and remove all unverifiable accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint because several accounts on my Experian credit report are reporting inaccurately, and Experian has failed to conduct a proper investigation under the FCRA.

I previously submitted disputes with supporting documentation, including my FTC Identity Theft Report, police report, XXXX  complaints, and mailed dispute letters. Despite this, the accounts continue to report incorrect or unverifiable information. 

The inaccurate accounts include : XXXX XXXX XXXX reporting a charge-off with incorrect status and dates XXXX charged-off account reporting incorrect balance and past-due amounts XXXX XXXX XXXX closed account still reporting past due amounts and inaccurate status XXXX XXXX XXXX ( Collection ) unverifiable account reporting incorrect dates and balance The errors include : Accounts showing charge off or past due that should not be reporting Incorrect balances and inconsistent dates Closed accounts reporting active past-due amounts Accounts not updated or corrected after multiple disputes Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable investigation, correct inaccurate information, and remove unverifiable information. This has not been done.

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 2025-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LD Holdings Group, LLC
State: PA

Complaint narrative:
Im on a fixed income XXXX monthly the mortgage company gave me a payment of XXXX a month I dont have the money to pay the mortgage so I need a lower modification or a better interest rate or something like a mortgage payment for a lower loan. My first mortgage payment is due on XXXX first and I dont have the funds available. The payment will leave me with only {$400.00} left.

Company response to consumer: Closed with explanation