vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Chime Financial Inc
State: CO

Complaint narrative:
Chime financial still refuses to provide instructions to payoff the credit card balance. I am not claiming that the tradeline reported by Chime is inaccurate. My complaint is that Chime will not allow me to payoff the credit card balance, by not providing instruction to do so. Futher, Chime representatives claim that " there is no way to payoff '' the account. This is unacceptable as the balance will remain on my credit report until it is paid off. I am requesting instructions on how to payoff my Chime credit card account, and for Chime to please provide this information to me ASAP. 

I have submitted multiple complaints to CFPB about this issue and they have been " CLOSED '' without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: BLINCLOANS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I attempted to verify my debit card with OneBlinc. I successfully received the 1 micro-deposit in my bank account, but the app continued to deny the verification. I also attempted to delete my account, but the app gives me an internal server error and does not allow me to remove my account. 

I contacted OneBlinc customer service by phone on XX/XX/year>. The representatives told me there was no manual option to verify my card and could not provide a timeline for resolution. When I asked about deleting my account, I was told it was not possible even though the app indicates it should be. The agents were dismissive and unhelpful, which made the situation more frustrating. 

At this point, I am unable to use the service or remove my account, and customer service has not provided a solution.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX, SC XXXX Subject : Debt Validation Request / Dispute of Alleged Debt Dear XXXX FUNDING I am writing regarding an alleged debt your company claims I owe. I am formally disputing this debt and requesting that you provide full validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Until you provide proper validation, you are required to cease all collection efforts, including reporting this alleged debt to any credit reporting agencies. Continuing collection or reporting without providing validation constitutes a violation of federal law. 

To validate this debt, you must provide : The exact amount of the alleged debt. 


The name and address of the original creditor. 


Documentation proving I am legally obligated to pay this debt. 


Copies of any contracts, agreements, or account statements showing my signature or consent. 


A complete breakdown of all fees, interest, or other charges included in this alleged debt. 


Proof that your company is licensed to collect debts in my state. 

If you fail to provide the requested validation within 30 days of receipt of this letter, I will escalate this dispute with the Consumer Financial Protection Bureau and my state attorney generals office, and I will request that any reporting of this alleged debt be removed from my credit report immediately. 
This letter is written without waiver of my rights. Please respond in writing to the address above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-09-12 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:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX  & XXXX  credit report on XX/XX/scrub>/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-09-12 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  Account Number XXXX XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} XXXX XXXX XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$27000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-12 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: NJ

Complaint narrative:
Delete the following Experian hard inquiries from my credit report : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These inquiries were obtained without my consent or written authorization, violating 15 U.S.C. 1681b, as there is no valid permissible purpose for these entities to access my credit file. I never applied for credit with these companies on the dates listed, making these inquiries unauthorized and inaccurate. Their presence has harmed my creditworthiness by lowering my score and misrepresenting my credit behavior. Under 15 U.S.C. 1681e ( b ), Experian is required to ensure the maximum possible accuracy of consumer reports, and failure to delete unverifiable inquiries constitutes willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o. I therefore demand the immediate removal of these hard inquiries and written confirmation once the deletions are complete.

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 2025-09-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Scott Fetzer Financial Group Inc.
State: IN

Complaint narrative:
There was confusion with two different companies that work together on tax preparation and resolution. One is XXXX and the other is United Consumer Financial Services ( XXXX ). There were employees at XXXX that were initially assigned to my case that were no longer with the company. The folks at XXXX and I figured out about 6-8 weeks in that my info was going to an email that was no longer active. I didn't get service in that timeframe and I was very upset. The loan company, XXXX, said I was 60 days delinquent when services hadn't even started and they never sent the information to sign into the portal ( they don't give it to you over the phone ). When we figured everything out, we got on a three-way call and I was told when the payment was made, my negative credit report item from them " would go away ''. This happened on Monday, XX/XX/XXXX. This morning, XX/XX/XXXX, there has been no change. I called XXXX and they have changed their story and narrative completely. They are refusing to make the credit report adjustment and told me today that it is my fault so they don't have to make any changes. They are incredibly rude, inaccurate, and one of the Supervisors, XXXX, told me I can't dispute anything on my credit report or it will cause more negative impact. I told her that disputing items does not negatively impact a score, which she said, " it will because it will come back to me and I will deny the dispute ''. This is more than just business, this is some kind of retaliation or predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: GA

Complaint narrative:
I am disputing an inaccurate late payment reported on my student loan account originally serviced by XXXX XXXX My credit report reflects a late payments in XXXX ( XXXX XXXX XXXX ). This reporting is inaccurate and should not appear. 
Account Numbers : XXXX XXXX XXXX XXXX Under the CARES Act and subsequent federal student loan relief measures, federally held loans were placed into administrative forbearance beginning XX/XX/XXXX, with no payments due, no interest accrual, and no negative credit reporting allowed. A late payment reported in XXXX is therefore inconsistent with federal protections and constitutes inaccurate furnishing under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

If the account was private at the time, XXXX were still required to provide accurate reporting and ensure borrowers were not unfairly harmed by servicing transfers or COVID-related relief programs. The CFPB has issued guidance requiring servicers to ensure accurate reporting and seamless transitions. 
I request that this late payment entry be investigated and deleted from my credit report, as it is inaccurate, unverifiable, and in violation of federal borrower protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: MI

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-12 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: FL

Complaint narrative:
There are significant billing and reporting errors tied to a specific account on my credit report that are unfairly damaging my credit. Under the Truth in Lending Act ( 15 U.S.C. 1666 ( b ) ), creditors are required to accurately record payments and credits. In this case, payments I made were not properly applied, there are clear calculation errors in the reported balance, and I was not provided with the required 21-day notice before a payment due date. As such, the late payment marks associated with this account are invalid and constitute a violation of federal 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 2025-09-12 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: TN

Complaint narrative:
I was notified through XXXX XXXX and XXXX  alerts to notify me that there was a hard credit pull for XXXX XXXX XXXX  XXXX when I reached out to XXXX XXXX they did not see anything on their end and recommended that I call the credit bureau so I called Equifax and they saw that there was a hard inquiry for XX/XX/scrub> 2025, but they could not do anything until I file a report with the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: 208 Capital Holdings LLC
State: CA

Complaint narrative:
I sent {$2500.00} as a deposit for a vehicle I notated in the notes field on my XXXX XXXX after transferring the money from my digital banking account XXXX and both XXXX XXXX  and XXXX XXXX  were unable to assist in the recovery of my funds since I was scammed out of my money from the source, saying it was a friend and family transaction although it was clearly to a business. And they are insured by FDIC on both banks!! This occurred on XX/XX/scrub>, 2025 to XXXX XXXX and his daughters phone XXXX XXXX. I have yet to receive the car as promised within 6 days as promised. Or my money back.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: MI

Complaint narrative:
I am writing to report issues I experienced with my bank regarding fraudulent transactions on my account. After I noticed unauthorized charges, I immediately disputed them with the bank in good faith. Instead of resolving the matter properly, the bank closed my account without providing me with any prior written notice or explanation. 

Furthermore, the bank and its representatives provided false information regarding required documentation, misleading me and complicating the dispute process. When I contacted the bank for assistance, I was also subjected to unprofessional and harassing behavior from a customer service representative. This treatment caused me unnecessary XXXX  and further hardship while I was already dealing with fraudulent activity on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX/XXXX/2024

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 2025-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Accounts, Inc.
State: ND

Complaint narrative:
XX/XX/XXXX XXXX and XXXX XX/XX/XXXX Tried disputing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have never applied for credit card with XXXX  XXXX XXXX  ( XXXX ), it is shows on my credit report ( see attached )

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 2025-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
PHH has made it impossible for me to get on a repayment plan although I can afford to do this

Company response to consumer: Closed with explanation