vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: OH

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
Predatory Auto Loan Practices / Excessive Daily Interest / Misleading Amortization I am filing a complaint regarding a predatory auto loan issued to me by Bridgecrest. 
My loan accrues interest at {$15.00} per day, which equals approximately {$210.00} in interest every 14 days. My required biweekly payment is only {$280.00}, meaning less than {$65.00} is applied to principal during each period. This structure results in almost no principal reduction and creates a loan that is functionally impossible to amortize in a reasonable timeframe. 

After reviewing my own amortization using the disclosed interest rate, I discovered that : Over 80 % of each payment goes to interest. 

Less than {$65.00} goes to principal each biweekly cycle. 

The loan would take over 11 years to pay off without additional payments. 

Total interest paid under normal payments would exceed {$63000.00}, more than three times the original vehicle value.

This appears predatory and possibly in violation of fair lending and disclosure practices. 

I am requesting the CFPB require the lender to : Provide a full and accurate amortization schedule. 

Explain the basis for the daily interest calculation. 

Justify why payments are structured such that almost no principal is reduced. 

Review whether this loan violates unfair, deceptive, or abusive acts or practices ( UDAAP ).

Provide remediation, including interest rate review, fee relief, or restructuring. 

I am attaching my own amortization breakdown demonstrating the predatory structure of this loan. 

When I had originally emailed XXXX/Bridgecrest requesting written responses to all of the above, plus that I was sold a vehicle that wasn't properly maintained before they sold it to me so I spent the first two months after I got the vehicle struggling to get to work because they wouldn't provide me a rental car while a certified mechanic had to clean the engine since the vehicle was used for fleet before XXXX acquired it and this was not included in my paperwork when purchasing the vehicle. They would not provide a written response to any of this and insisted I called, despite requesting written responses last year after purchasing the car in XXXX of XXXX  and again this year in XXXX of XXXX  when realizing that this vehicle and working with XXXX/Bridgecrest was a mistake. 

Thank you for reviewing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: DC

Complaint narrative:
I am submitting this complaint because SOFI Bank failed to complete a money transfer as promised. 

On XX/XX/year>, SOFI Bank initiated a transfer of {$1000.00} to my linked external bank account. I was informed that the funds would be released and delivered to the external bank no later than XX/XX/year>. 

As of XXXX PM EST on XX/XX/year>, the external bank has still not received the deposit. SOFI Bank did not send the funds as promised, and I have not been provided with any explanation, confirmation, or resolution. 

This delay has caused inconvenience and potential financial harm. I am requesting that SOFI Bank immediately locate and release the funds, provide proof of transfer, and correct any system or processing errors responsible for the delay.

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

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

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 2025-12-04 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: FL

Complaint narrative:
These accounts do not belong to me and must be taken off within 15 days according to USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint because a debt collector is attempting to collect and report an alleged debt without providing lawful validation as required under the FDCPA ( 15 U.S.C. 1692g ), Regulation F ( 12 CFR 1006.34 ), the FCRA, and New Jersey state laws, including the NJ Consumer Fraud Act and the NJ Consumer Finance Licensing Act. 

I formally disputed the alleged debt and requested full validation, including : identification of the original and current creditor, a signed contract or compliant electronic agreement, itemized accounting of all amounts, complete chain of assignment/bills of sale listing my specific account, original statements, proof of charge-off, proof the debt is within the New Jersey statute of limitations , proof of an active NJ debt collection license, and evidence their initial notice met all Regulation F disclosure requirements. 

The collector has * * not provided legally sufficient verification * *, and instead continues credit reporting and/or collection activity. Reporting and collecting on an unverified debt violates FDCPA 809 ( b ) and FCRA 623 ( a ) ( 3 ), as well as New Jersey laws prohibiting deceptive or unconscionable practices under N.J.S.A. 56:8-2.

Until full validation is provideddirectly from the original creditor, not internal summariesthe collector is required to cease all collection efforts and stop furnishing negative credit information. Failure to do so constitutes continued violations of federal and state law. 

I am requesting CFPB assistance to : 1. Require the collector to provide full and complete validation ; 2. Ensure they cease collection until validation is supplied ; 3. Correct or remove any unverified credit reporting ; and 4. Ensure compliance with FDCPA, Regulation F, FCRA, and New Jersey statutes. 

Account : IC SYSTEM INC - 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 2025-12-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My Experian credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

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 2025-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-04 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: GA

Complaint narrative:
Financial Institution : Chime Financial , Inc.

Type : Bank account/ Fraud & Unauthorized transactions I reported unauthorized debit card activity on my Chime account. Chime denied my dispute twice and closed my claim, even though I did not authorize the attempted transactions and did not provide my card or PIN to anyone. 

I have formally requested the Regulation E investigation documents including : Authorization logs Device/IP records Debit card logs Investigation notes Liability determination Evidence used to deny my claim I was told verbally that the documents would be provided after the call, but was also told it may take 10 business days. No documents were provided, and emails to dispute contacts bounced or went unmonitored.

I am requesting CFPB assistance to obtain the documentation used in the denial decision and to ensure a full, compliant reinvestigation under Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-04 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: GA

Complaint narrative:
LVNV Funding LLC is reporting a fraudulent debt on my credit report that I did not open, authorize, or benefit from. I notified LVNV and all three credit bureaus that I am a victim of identity theft and provided an affidavit, supporting documents, and a dispute under FCRA 609 ( a ) ( 1 ) and 605B. Despite receiving my identity theft report, LVNV continues to furnish this account as valid.

LVNV has failed to provide any documentation proving the account is mine. They have not produced a contract, application, signature, IP address, device information, or any evidence linking me to this debt. They also failed to provide the source or method of verification they claim to rely on. 

The continued reporting of an unverified, identity-theft-related account violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). LVNVs refusal to properly investigate or validate the debt is causing harm to my credit and financial opportunities. 

I am requesting that the CFPB require LVNV Funding LLC to provide proper validation or permanently delete this fraudulent account from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CT

Complaint narrative:
I am filing a complaint against Chime regarding its mishandling of a fraud dispute involving six unauthorized transactions on my account. Despite multiple attempts to resolve the issue directly with Chime, they have repeatedly denied my claim, failed to provide the information they stated they would, and refused to reopen the investigation even though the charges were clearly not made by me. 
Timeline of Events : XX/XX/XXXX Five unauthorized transactions occurred on XXXX XXXX. I did not use my debit card at all that day. 
XX/XX/XXXX One additional unauthorized transaction took place. 
XX/XX/XXXX As soon as I saw the charges, I filed my first dispute with Chime. 
XXXX I submitted a second dispute with additional documentation, including my location at the time of the charges and proof of my communication with the fraudulent merchant. 
Despite the evidence, Chime denied both disputes. The denial letters stated that they would be providing additional information over email, but the emails contained no explanation, no documentation, and no findings from the supposed investigation. 
Key Issues : Chime initially flagged one of these transactions as fraud themselves, yet all six were later denied with no explanation. 
Chime is refusing to reopen the investigation, claiming they need additional information, but they have not requested anything specific and have ignored the information I already submitted. 
Chime has failed to provide legally required details about how my claim was reviewed or why it was denied. 
My Chime card has been compromised more than four times in the past six months, resulting in multiple card replacements, which further supports that these charges were unauthorized and part of ongoing account security issues. 
Customer support is giving conflicting information, providing no documentation, and refusing escalation despite repeated requests. 
What I Am Requesting : Immediate reopening of the fraud claim A full and compliant investigation Written documentation of Chimes prior investigation and the basis for denial Correction of my account and reimbursement for the unauthorized transactions Review of Chimes repeated security failures on my card and account Intervention by CFPB to ensure Chime complies with Regulation E and its responsibilities regarding unauthorized electronic fund transfers I have made every effort to resolve this directly with Chime, but they have refused to assist, provide evidence, or conduct a proper review. I am requesting CFPB support in getting this issue addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
While disputing and accound on my credit report, the results required additional supporting documents. When I try to upload my documents it says the website is unreachable. I video recorded this happening for proof. When I call the company I can't reach a human no matter what I say. With no one to talk to and no way to upload my documentation I feel extorted and this is close to blackmail.... being asked to pay a debt that isn't mine and when asked to prove it, not being allowed to prove it.

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