vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: CA

Complaint narrative:
Formal Complaint Regarding Improper Handling of Dispute To Whom It May Concern, I am writing to file a formal complaint regarding the improper handling of my recent transaction dispute. 
On XX/XX/year>, I made a purchase from a company called XXXX XXXX  using my Chime card in the amount of {$200.00}. After multiple unsuccessful attempts to contact the merchant regarding my order and being provided with a false XXXX  tracking number, I filed a dispute with Chime on XX/XX/year>. 
Today, I received an email stating that my dispute has been closed, and my funds will not be returned. 
This decision is unacceptable and appears to have been made without a proper investigation. Chime did not contact the merchant, nor did it reach out to XXXX  to confirm that the tracking number was invalid. Had Chime reviewed the merchants website XXXX it would have been evident that this company is operating dishonestly, and there are numerous reports of them being a fraudulent business. 
I believe Chime failed to : - Properly investigate the dispute - Attempt to verify the legitimacy of the tracking I am requesting that Chime : XXXX. Reopen my dispute, XXXX. Conduct a full and thorough investigation, including merchant verification and shipment tracking validation, and XXXX. Issue a provisional credit while the investigation is ongoing. 
I expect a timely response and a fair review of this matter. Please confirm receipt of this complaint and advise on the next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Address : XXXX XXXX XXXXXXXX City, State : XXXXXXXX XXXX XXXXXXXX Subject : Request for Account Blocking and Deletion Due to Data Breach Dear EQUIFAX Team XXXX I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 
* * Accounts in Question : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Social Security Number : XXXX - Date of Birth : XX/XX/XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. * * 15 USC 1681c-2 ( a ) * * : This statute requires consumer reporting agencies t opened in my name be blocked immediately.

2. * * 15 USC 1681i * * : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. * * 15 USC 1681e ( b ) * * : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. * * 15 USC 1681g ( a ) * * : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. * * 15 USC 1681m * * : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. * * 15 USC 1681n * * : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. 
Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 
Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 
Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
b"I submitted multiple Method of Verification (MOV) and audit trail requests to Equifax, asking them to provide documentation proving the accuracy and legality of several negative accounts on my credit file.\nInstead of responding to my MOV requests, Equifax improperly converted them into new disputes, which is not what I requested and is a direct violation of my rights under FCRA 611(a)(6).\n\nThis has been happening for over a year, and Equifax continues to avoid providing any documentation, refusing to run proper investigations or disclose verification materials. It is clear they are avoiding full verification because they cannot prove the accuracy of the negative information they continue to report.\n\nI am suffering material and emotional harm, including being unable to access banking services or rent housing due to Equifax's refusal to verify or remove inaccurate information.\n\nI sent my MOV requests via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInstead of complying with the law, Equifax opened new disputes, including (from the screenshot):\n\nConfirmation number: XXXXConfirmation number: XXXXThese disputes were opened without my consent, without addressing my MOV request, and without providing any of the required verification documents.\n\nEquifax is violating the FCRA by failing to provide:\n\nMethod of Verification (FCRA 611(a)(6))\n\nDocumentation supporting the accuracy of the information\n\nAudit trail and reporting history\n\nSource-of-information disclosure (FCRA 611(a)(7))\n\nTheir repeated refusal to verify or remove unverifiable data is causing ongoing harm."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I contacted The Consumer Financial Bureau in XX/XX/XXXX and Bureau contacted TD Bank at that time on my behalf. TD Bank sent a package of Hardship paper work and I completed and returned to TD Bank. TD approved me for a mortgage XXXX in XX/XX/XXXX and completed the recast modification as of XX/XX/XXXX. As result of the Mortgage Scam my credit scores were destroyed. TD Bank claim my paperwork is expired and will have to redo the whole process again, it's almost be a year. This whole experience has been stressful for me. TD Bank is a fraudulent institution. I have purchased XXXX houses over XXXX. This the worst experience. Please help to resolve this nightmare. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-29 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: SC

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an items on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt.I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the accounts can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-11-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
OppLoans is reporting conflicting and inconsistent information about my loan on my credit reports. The account is listed as closed on XX/XX/XXXX, but also shows last payment on XX/XX/XXXX, when I completed a settlement agreement. A closed date in XXXX can not align with a final settlement in XXXX without updated reporting. In addition, the payment-history calendar on my credit report ends in XXXX, while the account remained delinquent through XXXX and XXXX and was not settled until XXXX. The account is also shown with multiple contradictory statuses at the same time closed, charge-off, in collections, settled for less, and paid profit and loss. These inconsistencies violate the FCRAs requirement that all information be accurate, complete, and consistent. I am requesting verification and correction of the dates and statuses, or full deletion of the account if OppLoans can not provide accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I just posted a report the company that is trying to charge Me is trans Union not XXXX. Here is the ID number for the complaint. XXXX Thank you

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 2025-11-29 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX VIA [ Email : XXXX Re : Unauthorized Use of My Collection / Intellectual Property Cease and Desist To Whom It May Concern : I am writing to formally notify you that you are unlawfully using elements of my collection, specifically [ brief descriptione.g., artwork, photographs, trading card designs, digital assets, written materials, etc. ] ( the Collection ), which I created and own exclusively. 
It has come to my attention that [ describe what the recipient is doinge.g., reproducing, selling, displaying, distributing, posting online, or otherwise using your work ] without my permission. This unauthorized use infringes upon my rights under applicable copyright and intellectual property laws. 
I hereby demand that you : Immediately cease and desist from any and all use, reproduction, distribution, display, or sale of any part of my Collection ; Remove all copies from websites, marketplaces, social media, advertising, or physical locations ; Confirm in writing within XXXX  days of receipt of this letter that you have complied with these demands. 
Failure to comply will leave me no choice but to pursue all available legal remedies, including but not limited to seeking damages, attorneys fees, and injunctive relief. 
This letter is written without prejudice to my rights, all of which are expressly reserved. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting this complaint regarding an unauthorized credit inquiry appearing on my TransUnion credit report, listed as XXXX XX/XX/year>, which I did not authorize, initiate, or consent to, and which appears to result from potential identity theft. Despite never applying for credit with this entity, the inquiry has negatively affected my credit profile, and I am requesting that TransUnion immediately block and remove the inquiry pursuant to FCRA Section 605B, delete all associated fraudulent data, and provide an updated copy of my credit report reflecting this correction. I am also requesting full disclosure of all information related to this inquiry, including the name, address, and contact information of the entity that initiated it, as well as any internal records, notes, or communications associated with the request, as required under FCRA Sections 609 ( a ) ( 1 ) and 611. I have enclosed documentation verifying my identity, proof of address, and an FTC identity theft report to support my claim

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 2025-11-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Climb Credit Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX devslopes, school that I was enrolled in, announced they were ceasing operations. Upon discovering this I reached out to the lender of the student loan, Climb Investco LLC to cancel the loan because the school was closing down. They refused and said they can't cancel the loan unless they receive the funds back from devslopes. On XX/XX/XXXX I sent an email to devslopes trying to get them to return the funds to climb, I have not received a response yet. Shortly after I sent the email, I received another discord announcement this time they stated they were not closing down but were removing live support active classes and grading and only leaving the curriculum videos. this was not what I agreed to upon accepting the loan as I was also promised that I would earn money as I learn as well. 
I sent them another email the same day to rescind my enrollment and demand funds and have not received a response for this email either. They are removing services/resources that was promised to be available to me as long as I keep making payments which I have been since XX/XX/XXXX. This must be considered a breach of contract. I did not agree to take on a $ XXXX loan just for curriculum videos and feel like I'm being taken advantage of. I reached out to climb tried to have the payments paused until the issue is resolved and climb refused as well as refused to share the policy or contract language enforcing this decision. They said the best they can do was charge me {$50.00} for XXXX months and demanding immediate payment even though XXXX payment was already made. 
Files attached will be the emails the XXXX emails sent to devslopes, screenshots of discord announcements, a recording of me with a climb representative telling they can't give me the policy used to refuse pause in payments as well as a screenshot of their websites still offering services that they announced are not giving anymore. ( I have a recording with climb XXXX that was too large to download can be given upon request with follow up )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX  ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint because XXXX XXXX Bank is reporting inaccurate, conflicting, and unverifiable account information to the credit reporting agencies and has failed to respond to my direct written dispute, which I sent via certified mail on XX/XX/2025. 

On all three of my credit reports, the exact same account is reporting multiple different statuses, including : Open / In Good Standing Charge Off / Closed Collection/Charge-Off Conflicting past-due amounts Conflicting credit limits Missing or N/A payment history months Different last activity dates This violates FCRA 607 ( b ) ( maximum possible accuracy ) and FCRA 623 ( a ) ( 1 ) ( A ) ( furnishers may not report information they know or should know is inaccurate ). 

On XX/XX/2025, I mailed XXXX XXXX Bank a written dispute requesting : Billing statements Due dates Payment history Proof of the charge-off Verification of the balance and credit limit This letter and proof of mailing are attached ( see PDF evidence ). 
They did not respond within 30 days, which is a violation of FCRA 623 ( b ) requiring furnishers to investigate and respond to disputes forwarded by a CRA and direct disputes sent by the consumer. 

Because XXXX XXXX failed to verify, and the data continues to report inaccurately and inconsistently across the bureaus, this tradeline should be deleted entirely under FCRA 611 ( a ) ( 5 ) ( unverified information must be deleted ). 

I am requesting the CFPB require XXXX XXXX Bank to : Provide full verification with supporting documentation, or Immediately delete the account from all credit bureaus for failure to verify and for furnishing inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint because XXXX XXXX Bank is reporting inaccurate, conflicting, and unverifiable account information to the credit reporting agencies and has failed to respond to my direct written dispute, which I sent via certified mail on XX/XX/year>. 

On all three of my credit reports, the exact same account is reporting multiple different statuses, including : Open / In Good Standing Charge Off / Closed Collection/Charge-Off Conflicting past-due amounts Conflicting credit limits Missing or N/A payment history months Different last activity dates This violates FCRA 607 ( b ) ( maximum possible accuracy ) and FCRA 623 ( a ) ( 1 ) ( A ) ( furnishers may not report information they know or should know is inaccurate ). 

On XX/XX/year>, I mailed XXXX XXXX Bank a written dispute requesting : Billing statements Due dates Payment history Proof of the charge-off Verification of the balance and credit limit This letter and proof of mailing are attached ( see PDF evidence ). 
They did not respond within 30 days, which is a violation of FCRA 623 ( b ) requiring furnishers to investigate and respond to disputes forwarded by a CRA and direct disputes sent by the consumer. 

Because XXXX XXXX failed to verify, and the data continues to report inaccurately and inconsistently across the bureaus, this tradeline should be deleted entirely under FCRA 611 ( a ) ( 5 ) ( unverified information must be deleted ). 

I am requesting the CFPB require XXXX XXXX Bank to : Provide full verification with supporting documentation, or Immediately delete the account from all credit bureaus for failure to verify and for furnishing inaccurate 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