vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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:
This letter serves as a formal demand for the immediate deletion of fraudulent accounts from my credit report, which were opened without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate and remove these inaccuracies within 15 days. Relevant documentation is enclosed to support this request.

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 2025-12-18 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: NC

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-18 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: NC

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OH

Complaint narrative:
I am disputing a collection account reported by Jefferson Capital Systems LLC that is fraudulent and does not belong to me. 

The account is reported as originating from XXXX. I have not used XXXX in years, and I did not open or authorize this account. I did not receive prior billing statements, notices, or verification establishing that this debt is mine. 

Jefferson Capital Systems LLC is reporting this account without providing competent evidence of authorization, identity verification, or liability, making the reporting inaccurate and unverifiable under the Fair Credit Reportin

g Act ( 15 U.S.C. 1681 ). I am requesting that this account be properly investigated and removed if it can n
ot be verified with original creditor documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: IL

Complaint narrative:
I have no association with this account the information on my report is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I have not spoken with anyone from XXXX, ever. Yesterday they reached out to me via my WORK email at XXXX an email address that was never provided to them, nor were they given permission to contact me at all. As per their own admission provided in the email, this debt is from XX/XX/2016- far beyond the statute of limitations for debt collection in Colorado [ 6 years ]. The time period for legal collection practices has expired and they are violating the law by continuing to contact me. I demand that XXXX cease and desist any further communications with me, regardless of communication medium : text message ( both personal and work ) /email ( both personal and work ) /phone ( both personal and work ) /mail ( both personal and work ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: NV

Complaint narrative:
Ive sent letters to all 3 bureaus, TransUnion, Equifax, and Experian. Multiple attempts, they have failed to remove inaccurate information and update the proper information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: NV

Complaint narrative:
Ive sent letters to all 3 bureaus, TransUnion, Equifax, and Experian. Multiple attempts, they have failed to remove inaccurate information and update the proper 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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MS

Complaint narrative:
I am submitting this complaint regarding actions taken by Chime that resulted in my account being suspended and my inability to open a new account. Chime stated that the suspension was due to suspected fraudulent activity ; however, I was not provided with a clear explanation, specific details, or evidence of the alleged fraud.

As a result of this action, my existing account was suspended and I was locked out from creating a new account, which restricted my access to financial services and caused financial hardship. I did not knowingly engage in any fraudulent activity. Due to concerns that my information may have been compromised, I filed a fraud/identity theft report with the Federal Trade Commission ( FTC ).

Despite filing the FTC report and attempting to resolve this matter, I have not received sufficient clarification or a clear path to resolution from Chime. I am requesting a detailed explanation of the alleged fraud, confirmation of whether my identity was involved, and a fair review of my account so that access may be restored if no wrongdoing on my part is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/year> my chime account was placed under restriction. I've been calling for days for answers & get none & have a car payment due tomorrow, XXXX is next week & my rent is coming up. They refuse to provide information & wont let me speak to a supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
The Company called Speedy Cash in XXXX TN charges an excessive amount of interest rate for their loans. Like 267 percent. Which is impossible for me to repay because I'm a XXXX veteran and on a fixed income and I can't afford to repay them on time so they just keep on increasing my debt by adding more interest to it. I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This loan was originated in XXXX. I requested a thorough investigation beginning with the original creditor, all payments made, original contract and promissory note with signatures & dates, original contract terms. All companies have failed and refused to provide this information. Those companies are XXXX, XXXX XXXX, XXXX, and XXXX. This loan has been paid in full several years ago. XXXX needs to be reinvestigated for violating and ruing consumer 's credit reports by conducting and engaging in fraudulent deceptive activities that causes these loans to be extended allowing the company to profit from the consumer for an extremely overextended time period. XXXX has put this loan in forbearance in the years of XXXX / XXXX and other years prior which caused the loan to accrue interest ; meanwhile monthly payments were still being made by the cosigner. The account numbers on the bills and letters from XXXX differ from the account numbers on my credit reports. XXXX has participated in payment processing and servicing failures in the past. XXXX has the account status as OPEN, and remarks are showing PROFIT AND LOSS WRITE OFF. It does not take 17 years to pay off a loan of {$2500.00} when {$25.00} a month was being paid consecutively since about XXXX. XXXX has been continuously slandering and ruining my credit causing me to have to pay high interest rates and / or be denied for credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CashRepublic Holdings, Inc.
State: TX

Complaint narrative:
I am an active-duty servicemember filing a complaint regarding inaccurate credit reporting and potential violations of the Fair Credit Reporting Act ( FCRA ) and the Servicemembers Civil Relief Act ( SCRA ). 

Omni Financial is reporting a charged-off account with a balance of {$17000.00}, despite the original balance being {$9900.00}. The balance appears to have been improperly inflated through interest or fees after charge-off, without contractual justification. 

Additionally, the account is reported inconsistently across XXXX XXXX  and XXXX, including conflicting account types, inconsistent update dates, and missing payment history. 

As an active-duty servicemember, I am entitled to SCRA protections, including an interest rate cap of 6 %. Omni Financial failed to properly apply these protections and continues to report an inaccurate balance. 

I have disputed this account with the credit bureaus on XX/XX/XXXX. I am requesting that the CFPB require Omni Financial to provide full verification of this debt, documentation supporting the reported balance, and proof of SCRA compliance. If they are unable to do so, I request the account be permanently deleted from my credit reports. 

I am requesting a full investigation and written response.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no association with these accounts and request removal within 15 days under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: AZ

Complaint narrative:
I wish to highlight that these accounts were opened without my consent, indicating potential fraud. I request a comprehensive investigation into these accounts and their immediate removal from my credit report. Enclosed are documents supporting my claims. I appreciate your swift attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMM Finance, Inc.
State: AL

Complaint narrative:
I am submitting this complaint regarding an auto loan for my XXXX XXXXXXXX XXXX, originally purchased from XXXX XXXX XXXX in XXXX, Alabama. 

Prior to the repossession and sale of the vehicle, I received documentation showing a payoff balance of {$9900.00}. After the vehicle was sold, I was notified of an alleged deficiency balance of approximately {$5200.00}, which I dispute. 

The deficiency calculation includes multiple added fees ( including repossession, auction, seller, and related charges ), and I have not received clear documentation showing how the final balance was calculated in compliance with applicable laws. 

I also purchased GAP insurance at the time of sale. The GAP provider is XXXX. The GAP claim status has been listed as waiting, and I have not received a final written determination or explanation of coverage. The deficiency balance should not be pursued or reported until the GAP claim is fully processed and applied. 

Despite my requests, I have not received : Full written validation of the debt A complete itemized breakdown showing how the deficiency balance was calculated Proof that GAP insurance was properly applied or denied Clear confirmation that credit reporting reflects an accurate, verified balance I believe the balance being reported and/or collected may be inaccurate, premature, and unfair, especially while the GAP claim remains unresolved. This matter is negatively impacting my credit and financial stability.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: OR

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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 submitting this complaint to report inaccurate personal information and unauthorized credit inquiries appearing on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ). These items were reported without my knowledge or authorization and have negatively impacted my credit profile. 

Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX This address is not mine, and I have no knowledge or association with it. 
Reporting inaccurate personal information violates FCRA 607 ( b ).

Failure to delete this address after prior disputes violates FCRA 611 ( a ) ( 1 ).

Demand : Immediate and permanent deletion of this address from my Equifax file. 

Creditor : XXXX Inquiry Date : XX/XX/year> I did not authorize XXXX  to access my consumer report. 
Any inquiry without a permissible purpose violates FCRA 604 ( a ).

Continued reporting after reinvestigation violates FCRA 611 ( a ) ( 5 ).

Demand : Immediate deletion of this unauthorized inquiry. 

Creditor : XXXX Inquiry Date : XX/XX/year> I have no knowledge of this inquiry and did not apply for any credit with this entity. 
If Equifax can not provide proof of permissible purpose, reporting violates FCRA 604 ( a ) ( 3 ) and 607 ( b ).

Demand : Delete this inquiry from my credit report. 

Creditor : XXXX XXXX Inquiry Date : XX/XX/year> This inquiry was made without my consent or authorization. 
Failure to ensure lawful access to my consumer report violates FCRA 604 ( a ).

Demand : Immediate and permanent removal of this inquiry.

The continued reporting of these inaccurate and unauthorized items violates my rights under the FCRA. I respectfully request CFPB intervention to ensure full investigation, deletion of all disputed items, and written confirmation of corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
XXXX and XXXX. Please disclose the current amount of any unpaid escrow past dues. Please disclose the current amount of any unpaid current escrow dues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: SC

Complaint narrative:
I am submitting to follow up on my previous complaint regarding inaccuracies and fraudulent items reported on my credit file. I have provided a detailed explanation of the disputed items, which include incorrect addresses, unauthorized inquiries, fraudulent accounts, and inaccurate charge-offs. Despite my initial submission, I have yet to see resolution or correction of these issues. 
To reiterate, I have identified the following key concerns : Incorrect personal information, including addresses and a name that do not belong to me. 
Unauthorized hard inquiries that were made without my permission or knowledge. 
A fraudulent collection account with XXXX XXXX XXXX XXXX, which I have no connection to and have requested full verification of. 
An inaccurately reported charge-off with XXXX XXXX , which was reported with a {$0.00} balance.

These issues are severely impacting my credit score and my ability to access financial services. As a result, I am requesting the immediate removal or correction of these inaccurate items in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I also urge the bureaus to conduct a thorough investigation and provide me with updates on the status of the dispute.

Given that my personal information has been compromised in the past, including data breaches, I expect strict adherence to the legal standards set forth by the FCRA to ensure my credit report remains accurate, secure, and free from fraudulent activity.

Please update me on the status of my complaint and ensure that these issues are fully addressed in a timely manner. If any additional documentation is required, I am more than willing to cooperate.Thank you for your attention to this urgent matter.

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 2025-12-18 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: OR

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Complaint Regarding Improper Account Closure by Citibank I am writing to file a complaint regarding the improper handling and closure of my Citi XXXX XXXX credit card account. 

Around XX/XX/XXXX, my Citi mobile app displayed a message stating : To protect your account, please contact XXXX. At the same time, my credit card became unusable. I called Citi on the same day to inquire about the issue. However, the customer service representative was unable to identify why my account had been blocked. 

Over the following period, I made at least nine additional phone calls to Citi seeking clarification. Eventually, a representative informed me that Citi required me to complete and return IRS Form 4506-C, which they would mail to me. 

I received the first 4506-C form on XX/XX/XXXX. I completed the form to the best of my ability and mailed it back the same day. On XX/XX/XXXX, after checking XXXX tracking, I contacted Citi to confirm receipt. I was told that my form was incomplete because I had not filled in my SSN, and that Citi would send me a second form to complete. 

On XX/XX/XXXX, I received the second 4506-C form. To avoid any further errors, I proactively called Citi customer service and asked for explicit guidance on how to complete the form correctly. Under the direction of the customer service representative, I completed the form and mailed it back the following day. 

On XX/XX/XXXX, when I called Citi again to check the status of my account, I was informed that my credit card account had been closed. After making several additional calls, Citi representatives stated that the account was closed because the second 4506-C form was missing a signature-related requirement, and that two incorrect submissions automatically resulted in account closure. 

I find this action unreasonable and unjustified for the following reasons : The second form was completed under direct guidance from Citi customer service, and at no point was I informed that I needed to add a printed name below the signature. 

I was never informed that two form errorsespecially procedural oneswould result in permanent account closure. 

Throughout my time as a Citi cardholder, I have strictly complied with all card usage guidelines and made all payments on time. 

I made repeated, good-faith efforts to resolve this issue and relied on Citis instructions at every step.

Given these circumstances, I believe Citis decision to close my credit card account was improper. I respectfully request the opportunity to resubmit the 4506-C form correctly and to have my credit card account reinstated. 

Thank you for your attention to this matter. I appreciate CFPBs assistance in reviewing this complaint and helping ensure fair treatment.

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