vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this expedited follow-up complaint regarding inaccuracies on my credit report, specifically concerning accounts that do not belong to me. These include a XXXX Card with a balance of {$400.00} ( last activity XX/XX/XXXX ), marked 30 days late in XX/XX/XXXX ; a XXXX XXXX XXXX account with a balance of {$310000.00} ( last activity XX/XX/XXXX ), marked 30 days late in XX/XX/XXXX ; and a XXXX  XXXX account with a balance of {$280.00} ( last activity XX/XX/XXXX ), marked 30 days late in XX/XX/XXXX. I have no knowledge or affiliation with these accounts, and I believe they are the result of clerical errors or identity confusion. Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccuracies in my credit report,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: CA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: UT

Complaint narrative:
Per Remitly 's previous response, I would like to bring to their kind attention that the person whose account through funds went to has already signed and submitted a reversal form to XXXX Bank and XXXX XXXX  has confirmed that the funds have been reversed and sent back to Remitlys partner bank ( YES BANK ). 

Since the money is now with yout partner bank, please reverse the funds to the correct account. 

ALSO, BEFORE RESPONDING PLEASE READ THE EMAIL CAREFULLY. THE MONEY HAS BEEN REVERSED. I REPEAT THE MONEY HAS BEEN REVERSED TO YES BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Im behind with Exeter whom I believe to be a predatory lender. Ive long. Struggled to be able to pay online- this is a method to force me further behind. In addition as Im already behind, more and more fees are being added. I tried paying via phone and online and nothing. Ive asked for extensions and or payment plans. Nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: OK

Complaint narrative:
XX/XX/XXXX I've purchased an order from an online website called XXXX XXXX  Their business name and location is XXXX XXXX located in XXXX Wyoming. The order was for a toddler play gate for {$49.00}. Later on that day some charges from out of no where popped up in my notifications. Normally I lock my card but I left it unlocked that day because I was expecting my car company to take out for my car payment. So when I received the notification I thought it was them but when I checked it was XXXX attempts from a company called XXXX XXXX XXXX XXXX. They attempted XXXX times but only got XXXX charges out of it because they put me in overdraft. {$340.00} and {$390.00}. I called chime customer service immediately and was told that they will cancel my card and put a stop payment on it. Afterwards I had a conversation with my sister who told me to look into the website I ordered from to make sure it was legit. I read the reviews and it stated the company was fraudulent and they use customers information and charge their cards after making up purchase. XXXX customer lost over XXXX in unauthorized charges. So I called chime bank and told them what I had discovered. The representative XXXX told me that a stop payment was put on the account, and pending charges will not go through. After charges clear over the weekend the money should be back on the account. When Monday came around, XX/XX/XXXX, there was credit on the account. I called a chime representative and explained everything that happened. They said that I had to dispute it. The next day it was denied. I asked them what was investigated and did they read the reviews. How were they able to reach the merchant when i couldn't. I filed a 2nd time with evidence, denial again. They never sent me information about why I was denied until I tried to file for the 3rd time and they kept hanging up on me and repeatedly putting me in queue with long holding time. So I told them I was going to take it to court and report them. The conclusion they said was based off history and past accounts which makes no sense. It doesn't have anything to do with the unauthorized charges, plus the item I've purchased I'm not getting that as well because they were a scam. A 4th dispute was filed but it wasn't by me, I'm guessing the better business bureau contacted them or something and they did it cover themselves but I'm about to have the account closed when I get paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-28 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: RICHLAND HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Original creditor Balance Balance updated XXXX XXXX  XXXX XXXX {$260.00} XX/XX/year> in Collections ACCTCORP OF SOUTHERN XXXX Original creditor Balance Balance updated XXXX  XXXX  XXXX  {$5100.00} XX/XX/year> in Collections XXXXXXXX XXXX XXXXXXXX Original creditor Balance Balance updated XXXX XXXX {$330.00} XX/XX/year> in collections XXXX XXXX XXXX Original creditor Balance Balance updated XXXX XXXX  {$2000.00} XX/XX/year> in collections

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A.
State: LA

Complaint narrative:
On XX/XX/year>, I submitted a payment of {$500.00} fully satisfying the balance and placing the account in clear good standing. 

On XX/XX/year>, PNC reported this account to credit reporting agencies as current and in good standing. 

On XX/XX/year>, the payment was returned due to insufficient funds in the external account used a minor, fixable issue entirely my oversight. No attempt was made by PNC to contact me by phone, text, e-mail, or any digital channel. Instead, a payment failed letter was created that same day. 
This decision was made XXXX month shy of my XXXX anniversary of perfect payment history with PNC, during which time I consistently paid on time and generally paid the balance in full each month. 

On XX/XX/year>, without warning, grace period, or opportunity to cure, PNC decided to close the account and generated a Notice of Account Closure. 

I did not receive the closure notice until XX/XX/year> XX/XX/XXXX days after the decision. The payment-failure notice only reached me on XX/XX/year>, after the closure was complete. 

I attempted to remedy the situation immediately upon learning of the returned payment, offered full payment from my own account, and volunteered to continue responsible card use but PNC refused reinstatement. 

PNCs actions were unreasonable, punitive, profit-motivated toward a low-revenue customer, and constitute unfair and abusive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
" I am filing this complaint because PayPal has permanently closed my personal account and placed an unjustified XXXX hold on my funds, which are urgently needed for a critical financial obligation.The funds currently held are an insurance payoff specifically earmarked to compensate my roofing contractors for recently completed work. The XXXX hold is causing immediate financial harm by preventing me from fulfilling this legitimate and time-sensitive payment. 
The account limitation was triggered by a single, non-fraudulent error involving a family member : XXXX : My mother transferred {$2000.00} to me for contractor payment but mistakenly used a 'Goods and Services ' payment instead of 'Friends and Family. ' Upon realizing the error, I promptly initiated a full refund to my mother. All subsequent attempts to resend the funds failed. 
I want to emphasize that these were personal transfers between family members ( mother and son ), sharing the same last name and the residential address submitted a detailed appeal email to PayPal with a full explanation of the accidental error and the urgency. 
I proactively attached required documentation ( Driver 's License and Utility Bill ) to immediately address any Know Your Customer ( KYC ) or identity concerns. 
Despite this, I received a generic template response ( on XX/XX/year> ) citing " high risk '' and " potential chargebacks, '' and confirming the XXXX hold. This response fails to acknowledge the evidence that my account is personal, the funds are insurance money, and the activity was a one-off, accidental family transfer with zero commercial risk of a 'buyer ' chargeback. 
I demand the immediate, full release of the funds of {$8600.00} currently held in my closed personal account so I can pay the contractors. The hold is unwarranted as the funds are not derived from commercial activity and are not subject to commercial dispute risk. All funds can be traced and accounted..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
Company : Consumer Portfolio Services , Inc . 
Product : Auto loan Issue : Payment processing problem/ mishandling of funds Description of What Happened : On XX/XX/year>, I mailed a cashiers check issued by XXXX XXXX XXXX  to Consumer Portfolio Services ( CPS ) as payment toward my auto loan ( Account # XXXX ). XXXX Tracking No. XXXX XXXX XXXX XXXX confirms that CPS received the check at their XXXX, CA XXXX on XX/XX/year>. Despite having possession of the payment, CPS claims it can not locate the check. 

Because of CPSs negligence and refusal to assist, I was forced to wait 90 days before my bank could initiate a claim for the lost cashiers check. During this time, CPS continued demanding payments even though they received the check. 

I relocated to Georgia for employment with the XXXX XXXX XXXX XXXX, where no XXXX  XXXX branches exist. I was forced to take leave from work and drive to a XXXX XXXX branch in XXXX XXXX, Louisiana to resolve the issue. This resulted in lost wages, travel expenses, and significant stress. 

CPS has refused responsibility, failed to correct my account, and failed to properly handle a payment they received. I am requesting CFPB assistance to require CPS to : 1. Acknowledge receipt of the XX/XX/year> cashiers check 2. Correct my auto account 3. Remove any fees or negative reporting 4. Compensate me for financial losses caused by their negligence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Payment process
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: LA

Complaint narrative:
Beginning in XX/XX/year>, my mortgage servicer started reporting that I was past due on my loan, even though I made every required payment. I have bank proof showing that the following payments were successfully withdrawn and never returned : XX/XX/year> {$970.00} XX/XX/year> {$970.00} XX/XX/year> {$970.00} XX/XX/year> {$970.00} The servicer claims these payments were not received or were reversed, but the funds never came back to my account. My bank statements show that the payments cleared, yet none of them were credited to my mortgage account. 

I contacted the company multiple times to resolve the issue, but they have not corrected the payment history or updated my account. This has caused the account to be incorrectly reported as past due, and I have received notices and fees based on this error. 

I am requesting that the CFPB assist in having the servicer : 1. Review and investigate the XXXX payments listed above, 2. Properly credit them to my account, 3. Remove any late fees or penalties, and 4. Correct my account status.

This issue is causing unnecessary stress and financial harm, and I need the company to apply the payments correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF XXXX AND XXXX LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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