vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 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: IL

Complaint narrative:
Some one open auto loans on my credit report where I was getting mail sent to but never lived there I didnt have a place to live so I used my aunts address to get mail but some one started applying for stuff with out my knowledge or permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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: MS

Complaint narrative:
I am writing to formally file a complaint with the Consumer Financial Protection Bureau regarding my status as a victim of the XXXX  data breach, which was publicly disclosed in XX/XX/year>. This breach exposed the personal information of approximately XXXX XXXX XXXX, including names, Social Security numbers, birth dates, addresses, and in some cases, driver 's license numbers and credit card information. I am one of those affected individuals.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., credit reporting agencies such as XXXX  have a legal obligation to ensure the accuracy, security, and confidentiality of consumer information. This obligation includes implementing reasonable procedures to prevent unauthorized access to sensitive personal data. 
XXXX  failed in this duty, and as a result of their negligence, I am now at increased risk of identity theft, credit fraud, and other financial harm. This breach has caused me ongoing concern, emotional distress, and has required me to take several precautionary steps, such as credit monitoring, freezing my credit reports, and investing time and resources into protecting my identity. 
Furthermore, I believe XXXX may be in violation of the Gramm-Leach-Bliley Act ( GLBA ), which mandates that financial institutions protect the privacy of consumer financial information through appropriate safeguards. 
I request that the CFPB investigate this matter further and take all appropriate enforcement action to ensure that XXXX  is held accountable for their failure to protect consumer data and fully comply with their legal obligations. 
In addition to this letter, I am also submitting my complaint through the CFPBs online complaint system for tracking purposes. I am attaching any relevant documentation, including confirmation from XXXX  that I was impacted by the breach. 
I would appreciate updates on any actions taken and am available for further information if necessary. Thank you for your attention to this matter and for your continued work to protect American consumers. 

Sincerely, 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 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo, in my opinion, digitally redlined me by affixing a higher interest rate due to my being an XXXX XXXX They refused to explain to me how they were able to derive at such a high rate ( XXXX % ) for someone with a XXXX XXXX  score. 

The refused to send me a copy of the reasoning behind their decision. Such as, a credit disclosure form or a copy of my credit report basing their decision from. 

Their algorithm is inherently biased towards XXXX people by offering higher interest rates without taking into account the individuals abilities to repay the debt.

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 2025-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear XXXX  , I am writing to formally dispute inaccurate and potentially fraudulent information that appears on my credit report. This information is negatively impacting my financial well-being. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request a full and fair investigation into these inaccuracies.

I am aware that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against XXXX  for failing to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These included : Conducting inadequate investigations that failed to properly address consumer disputes. 
Reinserting previously disputed or inaccurate information without valid justification. 
Failing to notify consumers about the results of investigations in a timely and transparent manner. 

Given these concerns, I expect that my dispute will be handled with diligence, transparency, and full compliance with federal law. 

The inaccurate information I am disputing is as follows : Creditor/Collection Agency : XXXX. LVNV Funding LLC XXXXXXXX XXXX XXXX XXXX XXXX Under the FCRA, you are required to : XXXX. Conduct a proper investigation into this dispute. 
XXXX. Inform me of the results of your investigation in a clear and understandable manner. 
XXXX. Provide copies of all documentation used to verify the disputed information. 
XXXX. Correct or delete any information that can not be verified or is found to be inaccurate. 

If your investigation determines that this account can not be verified as accurate, I request that it be immediately removed from my credit report. 

Please send written confirmation of the outcome of your investigation and any corrective actions taken. If this matter is not resolved appropriately, I will escalate my complaint to the Consumer Financial Protection Bureau and other relevant oversight agencies. 

Thank you for your prompt attention to this matter. I look forward to your written response within the legally mandated 30-day period. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX  [ Last Four Digits of SSN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: TX

Complaint narrative:
According to U.S.C. 1681 is the primary section of theFair Credit Reporting Act ( FCRA ), a federal law establishingCongressional findings and the statement of purposefor the subchapter concerning consumer reporting agencies.It requires these agencies to adopt fair and equitable procedures for collecting, evaluating, and using consumer information to ensure confidentiality, accuracy, and relevancy.The FCRA protects the privacy of consumer information used by credit reporting agencies for purposes like determining credit worthiness.

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 2025-10-05 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:
According to U.S.C. 1681 is the primary section of theFair Credit Reporting Act ( FCRA ), a federal law establishingCongressional findings and the statement of purposefor the subchapter concerning consumer reporting agencies.It requires these agencies to adopt fair and equitable procedures for collecting, evaluating, and using consumer information to ensure confidentiality, accuracy, and relevancy.The FCRA protects the privacy of consumer information used by credit reporting agencies for purposes like determining credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: Torres Credit Services, Inc.
State: IN

Complaint narrative:
Torres Credit Services is reporting a collection account from XXXX XXXX XXXX ( Acct # XXXX, balance {$230.00}, opened XX/XX/year> ). I dispute this account as inaccurate and unverifiable. 

Under FDCPA, 15 U.S.C. 1692g, Torres is required to provide verification of the debt upon request. They have not produced billing history, assignment records, or proof of ownership.

By furnishing derogatory data without proper verification, Torres is violating the F

CRA, 15 U.S.C. 1681e ( b ) and 1681s-2 ( a ), ( b ) by reporting incomplete and inaccurate information and failing to conduct a proper reinvestigation. Consumer Harm : This inaccurate account is lowering my credit score, reducing access to credit opportunities, and causing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I consigned for my daughter. She did not make a few payments. I was not notified of the situation until 40 days pass due. When I did receive the notification, I contacted my daughter about the pass due payments, she stated that she was going to take care of the payment. Trusting my daughter made the payment and not getting any further notice. This happened with my daughter multiple times with the payments and not getting a notice until 40 days passed due. The monthly payments where XXXX. When I received the 40 day notice, chase bank wanted almost XXXX XXXX. Now I just received a notice that chase bank repossessed the car without contacting me and giving me a chance to try and get the loan caught up. I would like this removed from my credit since I was never noticed about the car being that far behind on payments and the bank was going to repossesse the car. I pay all my bills on time and anyone can see my track record of my payments. Im not aware of what the amount was when they took the car because I was never notified that my daughter was that far behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
Aldridge Pite Haan LLP has been trying to collect a debt from a third party who I have do not have an account with. I wish to have all derogatory entries placed against my credit removed from this company if they can not verify that they have the right to collect any said debt. I want verification of any debt owed to them or the proposed original credit showing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I called into Portfolio Recovery Associates , LLC on XX/XX/year> to schedule my last 2 payments of {$400.00} ( 1st ) and {$320.00} ( 2nd ). The 1st one was scheduled for XX/XX/XXXX and the XXXX for XX/XX/XXXX. Unbeknownst to me, my 1st payment did not process, but my final payment did. That said, I was not notified until XXXX XXXX days after my payment plan was voided on XX/XX/XXXX, that this payment did not process. This delay in communication prevented me from correcting the issue in good faith and appears to violate the Fair Credit Billing Act ( 15 U.S.C. 1666 ). 

On XX/XX/year> I noticed that the account still was not show " paid in full '' and had a balance of {$5300.00}. I called back into Portfolio Recovery to find out why and stated my concern that this was unfair due to their lack of communication and requested I be afforded the opportunity to settle the account as scheduled initally. They were unsuccessful at resolving this, and afterward, a new payment arrangement was added to my account without my consent- I believe this violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692f ). Despite completing nearly all payments under the original settlement, I am now being told to pay the full balance, which I believe is unfair and deceptive under the FDCPA ( 15 U.S.C. 1692e, 1692f ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
incorrect reporting of my account as 60 days late for XXXX and XXXX. This information is inaccurate. 

I had a payment arrangement in place for {$100.00} per month, which was approved after my insurance company paid {$4600.00} in XXXX due to my car accident. At that time, I was assured that no past-due balance would be reported to the credit bureaus as long as I followed the payment arrangement. 

I have consistently made the agreed-upon payments, and on XX/XX/XXXX, I made a {$1000.00} payment to bring the account completely current. Despite this, my account is still being reported as late, which is incorrect.

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 2025-10-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Makes Cents, Inc. dba Advance.Cash
State: KY

Complaint narrative:
I have paid this back for weeks. I do not have access to see my balance or to pay the remaining balance off online. When I call in I have to wait on hold for long periods of time and am told different repayment amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: IL

Complaint narrative:
Some one open auto loans on my credit report where I was getting mail sent to but never lived there I didnt have a place to live so I used my aunts address to get mail but some one started applying for stuff with out my knowledge or permission

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 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding my XXXX credit card autopay issue, which has caused a missed payment, late fees, and a negative impact on my credit score. 
I initially set up autopay through the XXXX website, which redirected to Wells Fargo website when I first received the card. I just found out that the autopay had missed 3 payments. I promptly paid the balance which was nearly {$9000.00} and attempted to re-enroll in autopay. Despite multiple attempts on both website and mobile app, there was no option to enable autopay. I spent over two hours on the phone being transferred repeatedly and even hung up on. On one call, a senior representative explicitly told me that autopay could not be set up with a nonWells Fargo checking account. I confirmed this statement with her multiple times. These conversations are all recorded. No one was able to help me set up autopay and no one could remedy the previous issues. 

This is in contrast to the XXXX website ( XXXX XXXX XXXXXXXX ) I also personally know multiple family members and colleagues who successfully enroll in autopay for their XXXX  credit cards from nonWells Fargo checking accounts.

As a result of this technical failure and misinformation : My autopay did not process on time.

I was charged late fees and interest. 
My credit score was negatively affected.

I have held credit cards for over 15 years and have never made a late payment and been a Wells Fargo customer even longer. My credit history has always been excellent. This issue was entirely due to a Wells Fargo system or representative error. 

This situation represents a deceptive practice and a failure to provide accurate, consistent information about a core account function ( autopay ), resulting in financial harm. 

please see attached images about how there is no option to enroll in autopay.

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 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX. Inaccurate account status, Inaccurate account name ( XXXX  ) XXXX. Different account name on ( Transunion  ), Different removal dates on ( XXXX XXXX Transunion ) XXXX. Different Closed Dates, ( XXXX  XX/XX/XXXX ) ( Transunion XX/XX/XXXX ) XXXX. No payment history on ( XXXX XXXX  XXXX ) but no late payments in XXXX XXXX. Transunion shows ( Last Payment Made XX/XX/XXXX ) but has payment history of on-time payments for the months of ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) Then late payments for ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX. XXXX  reports ( No Payment History At ALL ) but a account status of : Paid/Closed/Never Late, Same account number : ( XXXX XXXX XXXX  as ( Transunion XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Transunion reports account status of : XXXX Days Past Due, Same account number : ( XXXX XXXX XXXX as ( Transunion XXXXXXXX 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 2025-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management is a creditor that I have never had any account with. They claim to be a professional receivables company for XXXX XXXX XXXX. I have request documentation of their ownership of the account and any any information and they can not provide. They now state the account is no longer owned by then but to contact an attorneys office XXXX XXXX XXXX XXXX out of XXXX XXXX. I have no contact or account with this attorney and now proof they own the debt. Midland continues to report on my credit report when they no longer own the debt they claim I owe. I want it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
A loan of {$230.00} on XX/XX/XXXX from a Huntington account that is now a derogatory on my credit report XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase keeps blocking my online access to see statements and pay my loan. I havent get statements everything I call I have issues to get the problem resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Chime Financial Inc
State: NV

Complaint narrative:
When I [ closed/ attempted to close ] my account I was informed that my remaining balance would be refunded within 14 days. However, it has been [ insert number of days/weeks ] since that time, and I have not received my refund. Despite multiple attempts to contact Chime through phone, chat, and email, my inquiries have not been resolved. This has caused unnecessary stress and financial hardship. 

This delay appears consistent with the CFPBs recent findings that Chime failed to issue timely refunds to consumers after account closure, violating the Consumer Financial Protection Act.

Unsolicited Refer-a-Friend Communications I also received and was encouraged to send multiple unsolicited refer-a-friend promotional texts. These messages were sent to personal contacts without their prior consent, potentially violating consumer communication and spam protection laws. I did not intend to participate in a marketing program that could expose others to unwanted promotional contact. 



Poor Complaint Handling and Customer Service Each time I attempted to resolve my issues, I encountered long wait times, inconsistent information, and unhelpful representatives. My complaints were either dismissed or marked as resolved without actual resolution. These experiences align with reports from the California XXXX XXXX XXXX XXXXXXXX and XXXX, which found Chimes complaint handling practices to be unfair and required improvements.

Misuse of Bank Terminology and Misrepresentation Chimes marketing and website materials repeatedly refer to its services as banking, leading customers including myself to believe that Chime is a bank. Only after facing problems did I learn that Chime is not a bank, but rather a financial technology company that partners with banks. This lack of transparency constitutes misleading marketing and contributed to my confusion about where my money was being held and who was accountable for it. Ive been scammed for over XXXX dollars and contacted chime wasnt able to help even thought it wasnt my fought my account got hacked some how.

Company response to consumer: Closed with explanation