vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 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 submitting this complaint because XXXX XXXX and the credit reporting agencies are reporting a timeshare account that I did not open and did not authorize. This account does not belong to me, and it was created as a result of identity theft. 

I have repeatedly disputed this XXXXXXXX XXXX account with the credit bureaus and made it clear that I have no relationship with this company, have never signed any documents, and never purchased any timeshare. Despite this, the account is still being reported. This is a violation of my rights under FCRA 609, 611, and 605B, which require proper investigation, verification, and removal of fraudulent information once identity theft is documented. 

XXXX XXXX has not provided any valid contract, signature, or evidence linking me to the alleged account. The credit bureaus also failed to provide a proper Method of Verification under FCRA 611 ( a ) ( 7 ). This situation has caused financial harm, emotional stress, and damage to my creditworthiness.

I am requesting that this matter be fully investigated and that immediate corrective action be taken.

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 2025-12-07 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: AL

Complaint narrative:
The furnisher is reporting inaccurate and unlawful information to the credit bureaus in violation of the FCRA and Metro 2 standards. 
This account is being reported with future dates ( Status Updated and Balance Updated showing XXXX  ), which is impossible and constitutes false reporting and re-aging, violating FCRA 605 ( a ) and 623 ( a ) ( 1 ). 
The furnisher also failed to provide a legally required Date of First Delinquency ( DOFD ) under FCRA 623 ( a ) ( 5 ). Without a DOFD, the credit bureaus can not legally keep or update this account. The account includes missing required fields, including correct terms, payment history, and delinquency date. 
The furnisher is reporting past-due amounts without supplying accurate, complete, or verifiable data, violating Metro 2 guidelines and FCRA 623 ( a ) ( 2 ) ( accuracy and completeness ). 
I am requesting a full investigation into the furnishers illegal reporting practices and immediate correction or deletion of this account from all credit bureaus due to inaccurate and unverifiable reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: TX

Complaint narrative:
XX/XX/XXXX Dear XXXX  XXXXXXXX XXXX XXXX, Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ), a consumer reporting agency may furnish a consumer report, and a user of consumer reports ( such as XXXX XXXX XXXX XXXX ) may obtain and use that report, only under the following six permissible purposes : 1. In connection with a credit transaction I initiated ( application for credit or insurance ) 2. Employment purposes ( with my written authorization ) 3. Underwriting of insurance I applied for 4. In connection with a legitimate business need in reviewing or collecting on an existing account 5. For rental housing decisions 6. Pursuant to a court order or federal grand jury subpoena On XX/XX/XXXX and again on XX/XX/XXXX, XXXX XXXX XXXX XXXX accessed my consumer credit report and caused hard inquiries to appear on my credit reports with one or more of the nationwide consumer reporting agencies ( XXXX, XXXX, and/or TransUnion ) XXXX 
I did not apply for credit, financing, refinancing, or any other extension of credit with XXXX XXXX XXXX XXXX on or around these dates.I did not give XXXX XXXX XXXX XXXX written or oral permission to pull my credit report.I have no existing account with XXXX XXXX XXXX XXXX that was under review or collection at the time of these inquiries.None of the other permissible purposes listed in 15 U.S.C. 1681b ( a ) apply. 
Because XXXX XXXX XXXX XXXX accessed my credit report without a permissible purpose and without my authorization, these inquiries violate 15 U.S.C. 1681b ( f ) and constitute an impermissible use of my consumer report under the FCRA.

Demand for Immediate ActionPursuant to 15 U.S.C. 1681b and 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), I demand that XXXX XXXX XXXX XXXX : XXXX. Immediately delete both inquiries dated XX/XX/XXXX and XX/XX/XXXX from my credit files at XXXX, XXXX, and TransUnion. 
2. Provide me written confirmation that the inquiries have been permanently removed within 30 days of receipt of this letter.

3. Cease any further unauthorized access to my consumer reports. 
If XXXX XXXX believes a permissible purpose existed, you must provide me with verifiable proof within 30 days ( e.g., a signed application, written authorization, court order, or documentation showing an existing account under review ). Absent such proof, the inquiries must be removed. 
Failure to comply will leave me no choice but to pursue all available remedies under the FCRA, including actual damages, statutory damages up to {$1000.00} per willful violation, punitive damages, and attorneys fees and costs. 
I have enclosed a copy of my drivers license and a recent utility bill for identity verification.

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 2025-12-07 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-07 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: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CMG Financial Services, Inc.
State: FL

Complaint narrative:
I am filing this complaint because my lender significantly mishandled my VA loan, resulting in financial harm, inaccurate disclosures, and violations of TRID tolerance rules. 

I applied for a VA loan through XXXX XXXX XXXX to purchase a property in XXXX XXXX, FL. Throughout the process, I was told that I qualified based on a 5 % down payment structure and that my cash to close would be approximately {$14000.00}. 

Two days before closing, the lender informed me that their underwriter had miscalculated my VA entitlement for the transaction and that my required down payment was actually much higher than initially disclosed. My cash to close abruptly increased to more than {$43000.00}, then again to more than {$45000.00} with the next revision. With the final being {$46000.00} at the closing table.

This increase was entirely due to a lender error not a borrower-requested change, income change, employment change, or eligibility issue. I found out about this after my financing contingency expired the weekend prior.

The lender then issued a Changed Circumstance Detail Form listing the change as borrower requested, even though the change was caused by their entitlement miscalculation.

This form inaccurately blamed me for a lender-originated error, which appears to be an improper attempt to justify re-disclosure and shift compliance exposure away from the lender.

Additionally : The lender repeatedly altered the loan amount, VA funding fee, and required down payment.

My seller credits and agent rebate were reclassified incorrectly, resulting in confusing and inconsistent Cash-to-Close figures.

The lender could not explain how the VA entitlement was calculated, nor provide a calculation worksheet.

Disclosures were delivered without accurate explanations or corrected math.

This situation caused substantial financial harm, stress, and potential risk of losing my Earnest Money Deposit. I was faced with losing my EMD or coming up with the enormous increase in the down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
They charged me XXXX XXXX XXXX which is more than the actual loan amount

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 2025-12-07 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: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : IMMEDIATE CEASE AND DESIST DEMAND - [ ] LVNV Funding LLC This letter serves as your final and only warning. Your ongoing actionsspecifically [ describe the conduct clearly and directly ] are unacceptable, unlawful, and directly damaging to my rights and interests as the owner. 

Let me be absolutely clear : I will not tolerate this behavior for another moment. 

Your actions have already caused significant harm, including : credit score dropping, as well as XXXX  and XXXX You are hereby ordered to IMMEDIATELY CEASE AND DESIST from all such conduct. Failure to comply will force me to take swift and aggressive legal action without any further notice. This includes, but is not limited to : Filing formal legal claims Seeking full financial damages Requesting injunctive relief to compel your compliance Pursuing recovery of attorneys fees and related costs You have 10 days from the date of this letter to confirm in writing that you have stopped and will not resume these actions. If I do not receive your written confirmation within this timeframe, I will proceed accordingly. 

This letter is written without prejudice, and I reserve every legal right available to me. 
Govern yourself accordingly. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Bank closed my account without notice and withheld my Social Security XXXX payments for XXXX months. They claim a cashiers check was mailed, but it was never delivered. XXXX never received the package with correct information. I have been on the phone nearly every day since XXXX. 

Chase refuses to provide a reason for closing my account and has not released the funds from my XXXX XXXX payment, even though my account is closed. 

I was evicted and became homeless due to having no access to my federal benefits. I am requesting immediate intervention to force Chase to reissue the funds and provide a full explanation. 
I file a complaint with the XXXX office on XXXX the XXXX and have been given the runaround saying that I have a care team that's been in charge finally got XXXX member on the phone XXXX days ago and as we were speaking she said have you gotten a response from your complaint I said no I haven't as we were speaking she starts reading me a response that just all of a sudden showed up that day a month after and I have been complaining and trying to figure this out every other day on the phone This is unacceptable and unprofessional and thanks that happened since then It's continuing on and on I don't want and need my money and an explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
To Whom It May Concern, This letter serves as formal notice that you are unlawfully using copyrighted material owned by me in violation of the United States Copyright Act, Title 17 of the United States Code ( 17 U.S.C. 101 et seq. ).

The copyrighted work at issue includes, but is not limited to : LVNV Funding account number XXXX, including all associated statements, records, and communications created and maintained by me. 
Your unauthorized use includes : distributing, reproducing, and publicly displaying the copyrighted material without permission.

This use is unauthorized, unlicensed, and constitutes willful infringement under 17 U.S.C. 501. You are hereby directed to : 1. Immediately cease and desist all use, reproduction, distribution, display, and exploitation of the copyrighted material.

2. Remove and permanently delete all copies of the infringing material from all websites, social media platforms, digital storage systems, and promotional materials under your control.

3. Provide written confirmation within ten ( 10 ) business days that you have fully complied with these demands.

Failure to comply may result in further legal action, including but not limited to claims for statutory damages under 17 U.S.C. 504, injunctive relief under 17 U.S.C. 502, recovery of attorneys fees under 17 U.S.C. 505, and any other remedies available under law.

This letter is sent without waiver of any rights or remedies, all of which are expressly reserved. 

Govern yourself accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On or around XX/XX/year>, I noticed a charge of {$69.00} from XXXX XXXX for what was labeled as a membership. I called XXXX XXXX on XX/XX/XXXX and XX/XX/year> to dispute the charge and request a refund. During these calls, I was informed that I had allegedly signed up for a membership program, but I do not recall doing so and never used any membership benefits. I was given member # XXXX. The XXXX XXXX representative acknowledged my concern and promised a refund, but as of today, no refund has been issued. I followed up, but the issue remains unresolved. After researching online, I found that many other consumers have reported similar unauthorized or unclear membership charges associated with XXXX XXXX. It appears to be a recurring issue. I am not able to log back on the XXXX account to " manually '' request for a refund. I also have recorded conversations of both conversations promising a refund. The audio file to was too large to attach. This is my 2nd complaint. XXXX said they were NOT the right contact. I have attached proof from my bank that there ARE IN FACT the right contact.

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 2025-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
I was asked to use Chime pay me to send funds to what I believed was a person selling car parts on XX/XX/year> ( XXXX XXXX XXXX- an admin for older model XXXX car group on XXXX ) After sending {$450.00} and receiving a tracking number another party ( XXXX XXXX- the shipping company ) began contacting me requesting more money to be sent in the same manner but to a different Chime bank account. I contacted Chime to advise them that I believed I had been a victim of a scam. I sent all photos of all communications and the bank accounts that were requested over the next week because the scammers were still contacting me requesting funds. On XX/XX/year> after receiving no communication back from Chime I called back in and was instructed to request the funds back from the party then wait at least XXXX hours for a response and call back if I did not get one. I called in XX/XX/year> and was advised that the funds are not recoverable unless the party wants to send them back. Chime has all the proof that the person behind the receiving account is posing as a business online, then once funds are sent the do not provide the promised parts only requests for additional money to other Chime bank accounts. Phone numbers and known emails listed below XXXX XXXX XXXX ( seller ) XXXX ( XXXX XXXX ) XXXX XXXX XXXX- ( Shipping company ) XXXX XXXX phone number direct contact XXXX phone number from website ( lady knows nothing about the company ) XXXX phone number that the website actually calls - disconnected

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
I received an email saying my loans were to be forgiven from XXXX XXXX XXXX XXXX XXXX and I still have a balance of {$13000.00} with Aidvantage. I dont understand or see why I would still have a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am a Bank of America customer with limited XXXX. 
Bank of America case number : XXXX. 
After the bank changed my account/number and debit card, my account has been locked many times. Now my old card, my new replacement card, and my online banking all do not work. I have money in my account, but I can not withdraw cash or pay for basic things like car repair and gas. The bank keeps telling me to go to the branch or call again, which wastes my time and causes me a lot of stress.

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 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: OK

Complaint narrative:
RE : Request for Debt Validation To Whom It May Concern, I am contacting you regarding the debt you claim I owe. This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. I request that you provide proper validation and documentation of the alleged debt.

Please provide the following information : 1. Proof that I am legally obligated to pay the debt ( such as a copy of the original contract or agreement with my signature ).

2. The name and address of the original creditor.

3. A complete account history ( including all transactions, charges, and payments ).

4. Proof that you are legally authorized to collect this debt in my state.

5. The amount of the debt, including a breakdown of principal, interest, fees, and other charges.

Until you provide the requested validation, please cease all collection activities, including reporting this debt to any credit bureaus. If you have already reported it, consider this letter a formal dispute and request to mark the account as in dispute until validation is completed.

Please send all documentation to the address listed above.

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: GA

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: MI

Complaint narrative:
b'Credit Control, LLCXXXX XXXX XXXX recently reviewed a copy of my credit report and was shocked to find I had been the victim of identity theft. I do not recognize these accounts. Please remove from my credit report as this account is hurting my ability to obtain credit.'

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