vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: FL

Complaint narrative:
This company that was requesting a debt payment is called IQ XXXX XXXX.. They called today, the XXXX at XXXX and said my roommates and I hadnt paid a {$500.00} transfer fee for our apartment. After explaining that we talked to the complex multiple times and they didnt mention we owed anything, even after asking them multiple times, they still insisted that we must pay the debt now. We didnt get a written notice in the mail because it was sent to an old address. Each person we talked to was extremely rude. I asked if there was any way I can go in person tomorrow to sort things out with my apartment complex and they told me that I need to pay now. They then proceeded to ask me how much I make, whats in my checkings/savings, where I work, if I have any loans- so they could fill out a form. The call then got disconnected and I called back and it was a new lady. Ive never talked to anyone ruder over a phone call. She said shed give me until Friday to pay and told me I needed to tell my card information over the phone. I told her I didnt feel comfortable with that because of scammers and she then proceeded to say that Im not being logical and Im acting based on my feelings. She said that our credit score would be impacted and then proceeded to hang up on me. At that point, it was past XXXX. I told her I didnt feel comfortable saying my credit card information over a phone call and asked if I could maybe pay it on a website or something more credible and she said it wasnt possible. After explaining that we paid our apartment complex already and said this may be a mistake on their end, she refused to believe it and kept questioning me and belittling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/year> I disputed a Wells Fargo Card Services account that was still being reported on my credit file after it had apparently been transferred or sold. Wells Fargo acknowledged my dispute and responded on XX/XX/year>, but the tradeline remains on all three credit bureaus showing a charge-off balance. On XX/XX/year> Wells Fargo sent a notice stating that no further investigation would occur. 

I mailed certified correspondence requesting verification of the accounts current owner and correction or deletion of any unverifiable data, but Wells Fargo has not provided documentation proving that it still owns or services this account. If the debt was sold to a third-party collector such as XXXX XXXX  , the tradeline should read transferred/sold/ {$0.00} balance.

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 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank is advertising a XXXX 0 % APR for both balance and purchase promotion. I was given only the balance transfer promotion. When I called TD the rep said they started that promo XX/XX/XXXX, but my account was opened and I received the card about a week prior. TD Bank refuses to honor the promotion despite my timely application and being a new card member with no previous bonus offers. Im requesting that the 0 % APR be applied as advertised or that I receive a written explanation with the application disclosures. 

This isnt the first time where TD seems to be incompetent and unhelpful. I requested a card closure after a dispute that TD refused to assist me in and that card still shows as open. No communication passed the phone conversation on XX/XX/XXXX with the rep XXXX who assured me that the account would be closed and that I would receive a prorated reimbursement for the annual fee. 

Im not sure TD Bank at this point even knows what theyre doing and Ive been coming across a lot of horrible stories and information about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: CA

Complaint narrative:
On XXXX XXXX XXXX, I received a {$500.00} loan from Wolf Lending , LLC dba Premier Loan Solutions. The loan agreement listed an APR of 745.87 % and a total repayment amount of {$2300.00}. My first payment of {$150.00} is scheduled for XXXX XXXX XXXX 

After reviewing the contract, I realized that this interest rate is far above Californias legal limit of 36 % APR for small loans under the California Financing Law. The lender claims to operate under tribal law to avoid state regulations, even though I live in XXXX XXXX, California. 

I contacted the lender to revoke ACH authorization and to request that I repay only the original {$500.00} principal amount. I also notified my bank to block automatic debits. This company is engaging in predatory lending practices, using tribal affiliation to bypass state law. 

I am asking the CFPB to investigate and ensure that the lender cancels the illegal finance charges, stops any attempts to debit my account, and allows repayment of only the {$500.00} principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I am filing this complaint against Credit Acceptance due to their refusal to offer hardship accommodations or deferment options, despite my current financial difficulties and the remaining balance on my loan being under {$2000.00}. 

I contacted Credit Acceptance to request a temporary hardship deferment or payment plan due to financial strain, but they informed me that they do not offer any deferment options. Instead, I was only asked how much I could pay, and no meaningful assistance was provided. Despite attempting to cooperate and make reduced payments, they have continued to report negatively to the credit bureaus each month, significantly damaging my credit score during a time of hardship. 

I am nearing the end of the loan term, and the outstanding balance is now below {$2000.00}. I have made good faith efforts to communicate and resolve the issue, including requesting information on any formal hardship programs, but I was told none exist. I believe this is a harmful and unfair lending practice that disproportionately affects financially vulnerable consumers. 

I am requesting that the CFPB investigate these practices and that Credit Acceptance be required to offer a reasonable hardship solution or stop reporting negatively when a customer is actively communicating and attempting to pay.

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 monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Today I went yet another time to Citi, following the instructions in Citi 's letter dated XX/XX/scrub>XXXX. That letter states that if I want access to my funds before the account closure, I can visit a branch or call the number on my card. At the branch, I was advised by a representative to call the toll free number wherein I was advised up to 60 days for account closure. I was told again that the account is blocked and that only an internal department can authorize the release of funds and it would take up to 60 days for them to go through processing. 

I am a XXXX XXXXXXXX and this is a great inconvenience where I can't pay my contractors, vendors or creditors to complete work that has deadlines and could cause me penalties and also loss of clientele who have entrusted me with their business. I have had to borrow loans at high interest rates to meet my business obligations while Citi sits on my funds. Citi informed me that my accounts would be closed within 60 days but specifically stated that if I need my money before the closure date, I can go to the branch or call. I relied on that statement in good faith. Yet when I went to the branch multiple times ( more than four visits ), I was told the opposite : that the account is blocked and no one at the branch can release funds unless another department provides an internal authorization. This is a clear contradiction. On paper, Citi gives me the right to access my money before closure, but in practice they refuse to honor it. I have now spent considerable time trying to resolve this, including going back and forth to the branch, and reaching out to the Executive response team. I want to be clear : I am not asking Citi to reinstate my accounts. I do not want to maintain a relationship with Citi after this debacle. I only want my money expeditiously. It is not reasonable or in good faith for Citi to force me to wait up to 60 days until account closure causing my business hardship and loss of client faith and damage to my reputation.. 
I respectfully request that the CFPB intervene and require Citi to immediately expedite the issuance of an official check for my balance, instead of forcing me to wait until closure.

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 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
I am formally expressing my concerns in the way chime has been handling disputes, particular in the light of recent CFPB lawsuit highlighting significant cases wiith the platform. Despite using chime numerous times and reporting discrepancies my financial institution failed to investigate my claims adequately. They informed me that recovering these lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that chime as not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams.this lack of accountability and transparency is unacceptable and raises serious concers about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: NV

Complaint narrative:
I am submitting this complaint to report multiple inaccuracies appearing on my credit report that violate my rights under the Fair Credit Reporting Act ( FCRA ). My report contains inaccurate personal identifying information, including several variations of my name XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX which do not all accurately reflect my legal identity. Additionally, there are incorrect addresses listed, such as XXXX XXXX XXXX Apt XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; and XXXXXXXX XXXX XXXX XXXX XXXXXXXX, none of which are valid or current addresses associated with me. 
My credit report also inaccurately shows a late closed account from XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX with a {$0.00} balance reported as late 30, 60, and 90 days, which is inconsistent and misleading since no outstanding debt exists. Furthermore, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is being incorrectly reported as a charge-off with a {$0.00} balance, which falsely implies default despite being resolved. Lastly, there is an unauthorized inquiry from XXXX XXXX dated XXXX that I did not initiate or consent to. 

These reporting errors violate FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires credit reporting agencies to ensure maximum possible accuracy of consumer information, and FCRA 611 [ 15 U.S.C. 1681i ], which obligates them to reinvestigate disputed items promptly and thoroughly. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ] prohibits data furnishers from knowingly reporting 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 explanation
Consumer complaint received 2025-10-08 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint against Experian for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XXXX XXXX XXXX, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX XXXX XXXXXXXX XXXX was fraudulent. Despite receiving this information, Experian has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

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 2025-10-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are credit inquiries on my report that were made without my consent

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 2025-10-08 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: FL

Complaint narrative:
There are credit inquiries on my report that were made without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: IL

Complaint narrative:
I was scammed and the bank allowed it. I reached out numerous of times but the problem was never corrected. unauthorized payments and transactions were happening in my account but it never was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Good day, I am submitting this follow-up complaint regarding the inaccurate items listed below that continue to report on my credit file in violation of federal law. I am grateful that some of the items in my credit report were removed after my prior dispute ; however, upon reviewing my updated report, I found that several of these inaccurate items remain. 
XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$610.00} XXXX  Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX CREDIT Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$490.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$470.00} XXXX/XXXX  XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIEW XXXX, DE XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX BANKS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX  Original Creditor XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} WE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
I am writing to express my concerns with Chime handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting disputes, Chime failed to investigate my claims adequately. They informed me that recovering my money would be impossible and that tracking these transactions were infeasible. Chime has neglected to protect consumers, but has allowed scammers and repeat offenders to exploit the system, per the CFPB. Honest consumers should be protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
I am filing this complaint regarding multiple inaccuracies on my credit report that violate my rights under the Fair Credit Reporting Act ( FCRA ). My report lists several inaccurate addresses where I have never resided, including XXXX XXXX XXXX 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 These addresses are not associated with me and must be permanently deleted. 
Additionally, there are accounts inaccurately reported as late or closed, including XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX  ), and XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), all showing balances of {$0.00} yet reported as delinquent. My report also reflects inaccurate charge-off entries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  ) *, both with {$0.00} balances, and an unauthorized inquiry from XXXX dated XXXX . These items are either unverifiable or falsely reported, causing unfair damage to my credit profile.

These errors violate FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], requiring credit reporting agencies to ensure maximum possible accuracy of reported information, and FCRA 611 [ 15 U.S.C. 1681i ], which mandates a full reinvestigation of disputed information. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ] prohibits furnishers from reporting data they know or should know to be 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 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
I am deeply disappointed by the violation of my consumer rights through the provision of inaccurate information. Fair treatment and transparency are crucial to me as a consumer. Please provide detailed information on the shortcomings regarding accuracy and compliance. Certification holds no value to me. I prioritize factual and truthful data concerning your company and my credit profile. It is concerning that the credit report received does not adhere to necessary standards, raising doubts about its accuracy and proper formatting. I urge you to promptly remove any false accounts from my credit report. Timely resolution is essential to prevent future financial consequences. My credit report is of utmost importance, and I expect only accurate, verified, and compliant data to be documented. 
CAINE WEINER - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a checking account with citi bank with was recently closed for no reason I called repeatedly and hung up on me more than once. I have money already on the account I can longer access.

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 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
As of XXXX XXXX, XXXX LVNV FUNDING LLC original creditor : Just energy XXXX  XXXX has this account sitting on my XXXX credit report as a collection. I have been disputing this report and it has been removed from my XXXX XXXX XXXX XXXX I just received a letter from Resurgent Capital Services stating that as of XX/XX/XXXX LVNV sold this account to them, neither company has had my permission to do so. Neither company has showed proof of debit validation like a contract stating that I owe either company the amount of XXXX. This amount of ownership has went through three companies and no one has sent me any valid proof of ownership. At this time LVNV need to show proof of validation of debt with my information and consent of ownership in the next 30 days.

Company response to consumer: Closed with explanation