vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: Netspend Corporation
State: NY

Complaint narrative:
On this day XX/XX/year> i got a deposit from social security and on the 03 day of XXXX i goting another deposit XXXX for {$310.00} and XXXX for {$670.00} and my account was saying- {$290.00} i XXXX to know where my money went i call XXXX week in a roll still no reply i call friday and XXXX said i don't have an account with them. 
Please can you help me

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 2025-10-19 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: CA

Complaint narrative:
On multiple occasions, I submitted disputes directly to Equifax regarding unauthorized hard inquiries and outdated authorized-user accounts that no longer belong to me.

Equifax handled my dispute through their online dispute portal, which uses an automated software system to mark items as verified without human review or investigation.

Within 24 hours of submission, Equifax updated my credit report and falsely labeled the accounts and inquiries as verified, despite not contacting the data furnishers or reviewing any of the evidence I provided.

This behavior clearly violates FCRA 611 ( a ) ( 1 ) ( A ), which requires a reasonable reinvestigation of disputed information. An automated verification does not satisfy federal law. 



Details of the Violations : Unauthorized Inquiries that were falsely verified by Equifax : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Authorized-User Accounts falsely reported as verified : XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX ( XXXX ) Opened XX/XX/XXXX Equifax failed to remove or update these accounts properly even after being notified that I am no longer an authorized user.

Violations of Federal Law : FCRA 604 ( a ) : Credit reports obtained without a permissible purpose.

FCRA 611 ( a ) : Failure to conduct a reasonable reinvestigation.

FCRA 616617 : Civil liability for willful and negligent noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I made a purchase to a person who was impersonating a bank and I didnt receive what I had paid for and that isnt right! The purchase was made through my account which should be protected!! How was I to know i was being scammed!? And the fact I cant even rely on my bank to help me and fight for my case with all the fees I pay them!! Not once was I asked for any documentation or proof just a straight denial which is just completely unethical and wrong! This is my first time even asking my money be returned me in not a problematic citizen and I pay my dues everyone should at-least be allowed a second chance after a one time mistake. A fair resolution would be a credit to my account if they dont care to pursue, charge and demand payment to the person scamming when they have ALL of their 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 2025-10-19 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:
Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX  report . 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I previously disputed this account stating : " The account information is being reported inaccurately on my report. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I previously disputed this account stating : " The account information is being reported inaccurately on my report. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: CO

Complaint narrative:
I sent the first notice to validate the debt of {$190.00}, via email ( XXXX ) on XX/XX/year>, XXXX and the second notice on Tue, XX/XX/XXXX, XXXX. I have yet to hear from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I pulled my credit report on XX/XX/year> from Equifax and I disputed my name on my Equifax report the same day. Unfortunately, when I sent a copy of my drivers license with the dispute online, it was rejected by Equifax. The name on Equifax only reports is XXXX XXXX XXXX. That is not my name. It is XXXX XXXX XXXX. I then disputed my name again on XX/XX/year>, this time I submitted my XXXX from XXXX different jobs. Unfortunately, this was also rejected by Equifax. Im very upset and disappointed with Equifax due to the fact that they are creating inaccurate data about me and refuse to correct it. I also believe that this has caused fraud and identity theft issues on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
Aldous and associates emailed me about an amount they claimed I owed from an apartment complex at XXXX XXXX XXXX XXXX I moved from which was an amount around I believe was XXXX. I then asked them to send me proof and they told me to send them a letter in writing, which I did by certified mail. They then responded by sending me a copy of a lease. I then responded again by certified mail explaining to them that a lease does not show proof of anything and to please send documentation, they never did and now its showing up on my credit report. 

VISIT XXXX OR CALL XXXX FOR MORE INFORMATION. SE HABLA ESPAOL. 
Account Number : XXXX Office Hours : Mon Thu XXXX XXXX XXXX Fri XXXX XXXX MST XXXX XXXX XXXX XXXX, UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
I contacted Chime customer service on XX/XX/year> after being notified of my son 's death ( XXXX XXXX XXXX ). He had an account with Chime. A customer service rep of Chime said two transactions were made on XXXX my son was deceased. Fraudulent activity was also made on XX/XX/year> in a transfer of {$1.00}, XXXX to a friend, my son I believe was already deceased and just not discovered he would nevered transfered that amount of money to anyone. I have asked Chime to return the funds to me his mother, XXXX XXXX and have provided them with the necessarry documents they requested with no resolve my address, death certificate, and my driver 's license. Thank you for help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Email : XXXX Phone : ( XXXX ) XXXX SSN : XXXX XX/XX/year> To : DPT ED/NELNET DPT ED/NELNET DPT ED/NELNET DPT ED/NELNET DPT ED/NELNET DPT ED/NELNET DPT ED/NELNET DPT ED/NELNET Subject : Formal Request for Debt Validation FOR ALL DPT ED/NELNET To Whom It May Concern, This letter is being sent in response to your

attempt to collect the alleged debt referenced above. Please be advised that this is a formal request for debt validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Under federal law, you are required to provide full and complete valida
tion of the alleged debt before continuing any collection activity, communication, or credit reporting regardi

ng this account. Specifically, I am requesting the following documentation : 1. A copy of the original promissory note, contract, or signed agreement establishing my obligation to pay the alleged debt. 2. A complete itemization of the alleged debt, including the original amount, all payments made, all fees, interest, and any charges added. 3. Documentation identifying the original creditor, the date the debt was incurred, and the name and address of that creditor. 4. Proof that your agency has legal ownership of or authority to collect this debt, including a copy of the assignment or purchase agreement transferring the debt from the original creditor to your agency. 5. The name, license number, and contact information of your agency and any individuals involved in collecting or reporting this account. 6. Verification that this debt is not time-barred under any applicable state statute of limitations. Until you provide this full validation, you are required by law to cease all collection activity, including phone calls, letters, and credit reporting related to this account. Be advised that failure to provide proper validation, or any continued attempt to collect without such validation, will constitute a violation of the FDCPA, subjecting your agency to a statutory penalty of up to {$1000.00} per violation, in addition to any actual damages, attorney fees, and costs incurred. If such violations occur, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the State Attorney General, and to pursue all legal remedies available under federal and state law. Please send the requested documentation to my address listed above. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams, Rush & Associates, LLC
State: MS

Complaint narrative:
The Company Williams Rush & Associates is false claim the Date open to the account was open on XX/XX/year>. I submitted to XXXX  the exact date and time this account was opened. XXXX, claim they did an investigation and If they saw the documents that I sent they will see the exact date that account was opened, I ask XXXX  to removed that from my account and they refused to. I would like to see their investigation on this matter. I sent them proof ; I would like to see their proof when they investigate my account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: Experian Information Solutions Inc.
State: VA

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 explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
My loan was sold to another company that other company said that they do not have possession of the title and I dont have an account with them. The car was also in bankruptcy and was released and I have not received my title. The car was never repossessed. The car engine went out XXXX months after I bought it and also they never would help me get the car fixed or give me an extension.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: VA

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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted each of these credit reporting agecies and asked them to investigate for 10 months and they refuse to investigate these item. I have no place to turn please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I have no knowledge of this inquiry or did I allow this inquiry on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
This evening, someone on XXXX XXXX attempted to use the banking app Chime to scam me out of money. It is a fairly common scam setup ( the scammer asks for a deposit on the item youre interested in through a mobile payment app, then blocks you or deletes their account as soon as they get the payment ). I did not send any money to them and I do not use Chime ; however, I wanted to report the 2 accounts to Chime because they are clearly being used to defraud people. Even after making it clear that I am not a user on their platform, Chime would not let me even give them the usernames of the accounts to investigate without me providing my full name and social security number. I asked the operator repeatedly why they needed that information when I do not have a Chime account ( nor was I going to open one just to make an report ) and they would not disclose it to me. 

Here are the usernames Chime needs to investigate for fraud : $ XXXX and XXXX XXXX. 

It is also distinctly possible that these accounts may belong to real people whose accounts or identities have been compromised. Either way, Chime owes their users an investigation into these accounts and they owe concerned citizens an explanation as to why they need our PII to simply report a complaint of fraud using their platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: CA

Complaint narrative:
I am filing this dispute to report inaccurate and/or unauthorized information being reported or handled by XXXX XXXX  XXXX XXXX Despite my attempts to resolve the issue directly, the company has failed to correct the error or provide proper documentation. The information in question is incorrect and has negatively impacted my financial standing. I am requesting that the Consumer Financial Protection Bureau investigate this matter under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws to ensure the company provides full verification, correction, or removal of the disputed 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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I lived in an apartment with someone and that person died, and they blamed me for the eviction and collections even though I wasn't responsible for the debt. I was in an in XXXX XXXX when they got a quick unjust judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: VA

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 response to consumer: Closed with non-monetary relief