vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XX/XX/XXXX I went to use my debit card and it stayed insufficient funds. I called chime and told them the {$400.00} was unauthorized. I filed a dispute and was told I would be provided a provisional credit if the case hadn't been settled in 10 days. In the tenth day I called to see where the provisional credit was. I was told the case had been closed the day before and reopened by chime. I belive this was only done as to not have to pay the provisional credit. The next day I called the informed me it was closed. I have gone through this six times and soon as it is reopened it is closed. I have called 10 times as to a reason why the denial and they have refused to give me anything that states why. They say maybe I didn't provide the proper paper work. The only thing I can get is a police report it was a theft abd I provided it 5 times there is no other paper work. I am on disability and this was half my check it has really out me in a bad place and chimes lack of dealing with this has been more than feustrating. They have done nothing refused to explain why. They lowered my pay my pay has been late sine I filled the complaint. Ivtried to get a loan and was told they don't deal with chime because they are not trusted. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX has an offer on the URL XXXX XXXX XXXX offering pre-approvals for auto loans. 

Today I went to the process to check my rate following their offer " PRE-APPROVALS AVAILABLE '' meaning soft-pull. Without my authorization, or perhaps due to a vague, and not precise description of the offer, they went and hard pull my Equifax report without my authorization, and against their offer. 

Pursuant to the Fair Credit Reporting Act section 611, and due to the violation, of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, I kindly ask XXXX XXXXXXXX XXXX to remove the hard inquiry, since all the process was mislead by their website offering. I understand, may be it is not with a bad intention from the institution, hence derived on misleading to the consumer, and unauthorized hard inquiry which damages my credit. There was authorization to soft-pull my credit and not to hard pull it, util confirming your offer was better than what I have now for my auto loan. Attached you can find the print screen from the specific matter above described. 

Equifax must remove in less than 30 days the hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, managed, or approved these accounts, and their presence on my credit report is entirely unacceptable. This constitutes the reporting of inaccurate and misleading information, which severely misrepresents my financial history. I take the accuracy of my credit profile very seriously, and the appearance of these unauthorized accounts is deeply concerning. I am demanding immediate clarification as to why these accounts are appearing and who is responsible for reporting them. This matter must be investigated and resolved without delay.

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 2025-05-31 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: WA

Complaint narrative:
I am writing to formally dispute an account listed on my credit report that I believe is being inaccurately reported. The account details are as follows : XXXX XXXX Account Number : XXXX Reported Balance : {$56.00} Status : CLOSED This account has been sold to another company, yet it continues to reflect an outstanding balance on my credit report. Once an account is sold or transferred, the original creditor is required to update the balance to {$0.00} and report the proper status to avoid any confusion or duplication. The continued reporting of a balance by the original creditor is misleading and potentially harmful to my credit. I am requesting that this account be investigated and removed entirely from my credit report. Please provide confirmation in writing of the outcome of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
As I was checking my credit score I found some inaccurate information on my credit file, I did not give permission for anyone to use my identity to apply for 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
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Accounts XXXX XXXX XXXX , Account XXXX, Amount XXXX, date opened XX/XX/XXXXXXXX XXXX XXXXXXXX, Account number XXXX, Amount XXXX, date opened XX/XX/XXXX INQUIRES : XXXX XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-31 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am disputing the following hard inquiry ( ies ) as unauthorized. I did not apply for credit or authorize this company to access my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Under the Fair Credit Reporting Act XXXX FCRA ), hard inquiries require my explicit consent. I respectfully request that these inquiries be investigated and removed if they are found to be unauthorized. Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
I am writing in regard to Dispute # XXXX, which was submitted to XXXX on XX/XX/year> and marked as resolved on XX/XX/year>, with all itemsXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX denied for removal and no proof of verification sent to me. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of any item disputed by a consumer. Based on the results displayed in the attached image, I believe that XXXX may have failed to meet its obligations under the FCRA. Specifically : I was not provided with adequate documentation from the furnishers verifying the accuracy of the disputed items. 

No explanation was included outlining the basis for denying the disputes. 

I was not notified of my right to add a consumer statement or appeal the decision based on insufficient documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: OH

Complaint narrative:
XX/XX/XXXX we took a second mortgage out for {$16000.00}. The payment was XXXX, set up on automatic draft and it was a 15 year loan. In XXXX we received papers to sign that they modified the loan because it wasnt paid off, as of today XX/XX/XXXX we still owe {$15000.00}!!! In 25 years the loan has went down roughly {$1000.00}!!! In 25 years we have paid {$52000.00}!!! I have called and can not get anywhere. They said the interest and only XXXX was going to principal. I said you set up the payment you said the loan would be paid off by paying the monthly payment you set!!! How can we have paid all these years XXXX and still owe XXXX!! Its like a payday loan! So I talked to several people today. The first one told me the same about interest, payments and this is just what it is, the second one tried to be very helpful and explained all the same info, I asked if this was a lifetime contract and only stoped in death? She said no and thought the interest rate was high, so I should refinance!! So she transfers me to XXXX, she stayed on the phone and told him, he doesnt say a word and transfers us to XXXX XXXX who was very put off and really not very nice, she explained everything, I explained everything, he said I could refinance today for XXXX ( lowest allowed refinance amount ) for {$510.00} and paid off in five years. So you want me to refinance a XXXX loan that I have already paid {$52000.00}, he gets off the phone, she transfers me to Escalation Escalation!! She explains everything to I believe XXXX and than she proceeds to tell me the same thing, interest, Principal etc, I again say you set the payment, do you always set a payment that is incorrect so you can make money? I told her this was like a payday loan. She said we will send you the copy of the loanI have tried to work this out several times with Us Bank and they will not even give me a direct person to speak with. I have went through the XXXX and Us Bank sent me another packet of the same paperwork for the fourth time and a scolding that they offered me another loan but I didnt accept. I feel like this is nothing more than a payday loan that I will be paying for the rest of my life!!!! I was informed today that the loan was refinanced for 30 years! So a XXXX loan for XXXX and in 25 years it has went down XXXX and at the end of this 30 years I will still owe 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 2025-05-31 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Account XXXX XXXX XXXXXXXX account # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXX Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Complaint summary I am submitting this formal complaint against XXXX XXXX XXXX for their failure to accurately report my account status, issue a Form XXXX following charge-off, and their ongoing furnishing of misleading credit data in violation of federal law. 

Repossession & Charge-Off My vehicle was repossessed by XXXX XXXX XXXX XXXX My credit report now reflects Paid in Settlement and notes that {$7300.00} was written off. Despite this, every month since the repossession is marked as C for charged offsuggesting continuing delinquency, which is inaccurate and misleading. 

Failure to Issue XXXX I have not received a Form XXXX, which is legally required under XXXX XXXX Code XXXX when a debt of this nature is canceled or settled. This has tax consequences and violates IRS reporting standards. 

Violations of FCRA Furnishing Inaccurate Information As per XXXX XXXX XXXXXXXX ( a ), furnishers of credit information must report accurate data. XXXX is improperly maintaining a charged off status long after receiving value or settlementthereby misrepresenting the debt & status. Their conduct amounts to false and damaging reporting, impacting my credit unlawfully. 

Failure to Acknowledge Lawful Tender & Consideration In XXXX and XXXX, I issued formal Letters of Instruction along with valuable consideration per Article XXXX of the Uniform Commercial Code ( UCC ), referencing procedures found in XXXX own XXXX SEC filings XXXX According to XXXX XXXX ( b ) : If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge to the extent of the amount of the tender. Despite lawful tender, XXXX refused to acknowledge these payment instruments, which disregards XXXX law.

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 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Dear CFPB Team, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  While I do not yet have a Social Security Number, but I do have a registered XXXX XXXX XXXX XXXX  XXXX. I also have a U.S. based Business Bank Account with XXXX. In XXXX of 2025 I applied for the American Express XXXX XXXX card, using my XXXX, passport, and international credit report via XXXX XXXX. 

After nearly 10 hours of calls, exhaustive effort and extensive verification including a 3-way call with my U.S. business bank ( XXXX ) I was finally approved, verified, and issued a card. However, I later discovered that I had been issued a Personal Platinum card, not the Business Platinum card I applied for and expected. It appears that somewhere in the maze of the process, one of the staff misunderstood or made an error, despite my clear explanations throughout the application and my supplying of my XXXX. 

This was never explicitly disclosed to me, and I only realized the error months later after significant spending. This mistake has caused serious problems with my bookkeeping, business credit building, and tax planning. I am planning to build and sell this business, so this is a serious issue. When I attempted to reapply for the correct XXXX XXXX card, Amex stated they could not verify me again or re-run my credit as they can " only do it once '' even though I am an active, verified cardholder. 

This error originated from American Express, not from any action on my part. I have made numerous attempts to resolve the issue by phone and chat, but have been repeatedly told there is no way to correct this. As a result, I am stuck with the wrong product, without the appropriate business benefits, and unable to obtain the card I originally applied for. 

Additionally, I am being denied the publicly advertised XXXX welcome offer currently available online for the XXXX XXXX card, because the phone application route only offers XXXX points. 

I have attached call logs showing some of the extensive time I spent obtaining the card as well as trying to resolve issues, along with a copy of the original online application result which was denied after an Amex representative instructed me by phone to input a placeholder number in place of my SSN. After that denial, the remainder of the application process was handled entirely over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NJ

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries that appear on my Experian credit report. I believe these inquiries are the result of identity theft and were not made by me, nor did I authorize any of the companies listed below to access my credit file.

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 2025-05-31 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: FL

Complaint narrative:
This account appears as a charge-off or derogatory status, but the information is outdated and unverifiable. I disputed this with the credit bureaus and did not receive proper documentation or reinvestigation proof.

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 2025-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
They withdrew over XXXX XXXXXX/XX/XXXX Im not even enrolled in that payment plan as Im on PAYE which is actually in administrative forbearance. This means a payment of 0 until the current administration figures there stuff out. I had stopped Autopay and also deleted my bank account information, yet they still withdrew an incorrect payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX - Balance : $ - Account # : XXXX XXXX - Balance : $ - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with explanation