vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2026-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2026-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: CO

Complaint narrative:
I have requested that United Wholesale Mortgage ( UWM ) conduct an escrow analysis on my mortgage account at least XXXX times through the chat portal on their website ( in XXXX, XXXX, and XXXX ). I am requesting this because there is way too much money in the escrow account, ~ {$4900.00} at present with the only monthly deduction of {$89.00} for PMI. The next insurance payment is not until XX/XX/year> and the next property tax payment is not until XX/XX/year>. My monthly mortgage payment includes {$540.00} to escrow despite the surplus of funds in the escrow account ( property taxes are about $ XXXX and insurance is about $ XXXX ). The current balance represents a surplus that I would like returned to me. Despite XXXX requests for an escrow analysis to be done I have received no such analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
I am submitting a complaint regarding a rental debt collection account that I dispute. The collection agency has threatened that my credit would be ruined if I did not pay the alleged debt. I believe these communications have been intimidating and have caused significant concern. I dispute the validity and amount of this debt. I have not received sufficient documentation proving that I legally owe the amount being claimed. I have not been provided with a complete itemized statement, lease accounting, move-out statement, or other documentation showing how the balance was calculated. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am requesting : Validation of the debt with supporting documentation. A complete accounting of all charges and fees. Documentation demonstrating that the collection agency has authority to collect this debt. Verification that all information reported to the credit bureaus is accurate and complete. If the debt can not be properly verified, I request that the collection account be removed from my credit reports and that all collection activity cease regarding this disputed debt. I also request an investigation into whether the collection agency 's communications complied with applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing a formal complaint against LVNV Funding LLC and its manager, Resurgent Capital Services L.P., for explicit violations of the FDCPA ( 15 U.S.C. 1692g ) regarding Account Reference # : XXXX ( Account Ending in XXXX ). On XX/XX/year>, I sent a highly specific dispute via XXXX XXXX Mail calling out massive legal gaps in their documentation, including unexplained collection fees and a complete lack of documented title showing a chain of assignment from XXXX XXXX XXXX XXXX XXXX XXXX Instead of conducting a meaningful investigation or providing a lawful chain of assignment, Resurgent ignored the specific points of my dispute and simply mailed back the exact same self-generated statement package that their own fine print admits is " not an original creditor statement. '' They then turned around and verified this completely unverified data as " accurate '' to XXXX via an automated e-OSCAR system. They are actively misrepresenting the legal status and character of this debt. I demand they cease all collection activity and permanently delete the collection tradeline from all credit bureaus. Once you paste that in, the next box will ask you what a fair resolution would be. In that box, copy and paste this : Cease all collection activities, close the file as permanently uncollectible, and completely delete the collection tradeline from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was being exploited, my personal and financial details were misused without my permission. This led to fraudulent accounts and debts being created in my name. Id appreciate it if you could look over my credit report considering this background and help fix any mistakes or fraudulent actions that have taken place. Ive included documents from the appropriate authorities and organizations that can confirm my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: CA

Complaint narrative:
I was being exploited, my personal and financial details were misused without my permission. This led to fraudulent accounts and debts being created in my name. Id appreciate it if you could look over my credit report considering this background and help fix any mistakes or fraudulent actions that have taken place. Ive included documents from the appropriate authorities and organizations that can confirm my situation.

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 2026-06-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was being exploited, my personal and financial details were misused without my permission. This led to fraudulent accounts and debts being created in my name. Id appreciate it if you could look over my credit report considering this background and help fix any mistakes or fraudulent actions that have taken place. Ive included documents from the appropriate authorities and organizations that can confirm my situation.

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 2026-06-09 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am filing a complaint regarding Wells Fargos denial of my fraud claim involving a {$20000.00} loss resulting from an impersonation scam. I was contacted by individuals falsely representing themselves as a Wells Fargo banker and an FBI investigator, who manipulated me into believing my accounts were compromised and required immediate protective action. What Happened On XX/XX/year>, I was contacted by scammers via phone and text who impersonated both Wells Fargo fraud staff and FBI personnel. They created urgency and instructed me to follow a fraud-prevention process. I was shown what appeared to be my Wells Fargo account and was guided through steps that I did not understand were initiating a {$20000.00} credit card cash advance. I was not aware I was taking a cash advance or accessing credit card funds. I was then instructed to move the funds into my business account, withdraw the cash, and hand it to a courier as part of the supposed fraud protection process. The entire event occurred the same day. Why I Am Disputing the Banks Decision Wells Fargo denied my claim stating I received the benefit of the proceeds and that the activity was authorized. This is incorrect. I did not knowingly authorize a credit card cash advance or any transfer for personal benefit. I was deceived, impersonated, and coerced into acting under false pretenses. Any apparent authorization was obtained through fraud and misrepresentation and was not informed consent. I did not benefit from the funds, and the entire {$20000.00} was taken by scammers posing as trusted authorities. I suffered a financial loss of {$20000.00} due to a coordinated impersonation scam involving bank and law enforcement impersonation. I am a victim of financial exploitation. I am requesting that Wells Fargo : Reopen and fully reinvestigate my fraud claim Treat this as an impersonation and financial exploitation scam case Recognize that consent was obtained through deception and was not valid Reverse the {$20000.00} charge and reimburse my loss I can provide supporting documentation upon request, including : Phone call logs and text messages from scammers Wells Fargo account statements showing timing of cash advance and withdrawals Records of cash withdrawal and surrender to courier Screenshots or other digital evidence Police report I respectfully request a fair and complete review of this matter based on the fraudulent circumstances under which these transactions were induced. Exact dollar amount : {$20000.00} Bank : Wells Fargo Date of incident - XX/XX/year> Claim # 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 2026-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advance Bureau of Collections
State: GA

Complaint narrative:
I was XXXX in XXXX XXXX XXXX XXXX on XX/XX/XXXX. Upon getting released in XXXX of XXXX I checked my credit report and see that I have a collections of {$200.00} from advanced bureau collections. I have disputed this charge numerous times and even sent a copy of my incarceration and release date from my paperwork and they still will not honor this proof. My ex-girlfriend XXXX XXXX open this account fraudulently while I was XXXX and now it is stuck on my credit report. The account she opened was with making water authority and the account was opened in XXXX with a charge of {$200.00} reflecting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: NC

Complaint narrative:
I asked them to refund a XX/XX/year> {$700.00} transaction because I paid for a service a merchant cancelled and never provided any refund or the service to me I paid for and they asked me for proof I provided XXXX photos and screenshots but they still continued to change the claim Class and deny it XXXX times ever once provided the proof I requested XXXX times

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CashRepublic Holdings, Inc.
State: TX

Complaint narrative:
I was contacted in XXXX of XXXX about a loan that was opened in my name sometime in XXXX. I was stationed in XXXX at the time in which the account was opened. The amount of the loan is roughly over {$3000.00} dollars. The account was also opened online with my personal 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 2026-06-09 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase denied a price-match claim XX/XX/XXXX while refusing to identify the contractual basis for denial. When I sought clarification on XX/XX/XXXX, Chase stated all decisions were final and refused to provide any explanation or appeal mechanism. I then submitted a formal complaint, but Chase failed to meaningfully address the complaint or explain why the booking allegedly failed to meet the stated price-match requirements. Separately, I paid an annual fee for a premium card that advertised a XXXX points boost on EDIT hotel bookings. After collecting the annual fee, in XX/XX/XXXX Chase reduced that benefit to XXXX at some point in late XXXX with great secrecy and continued to advertise the card with XXXX points boost on all XXXX XXXX even after this policy had changed, diminishing the value of a key advertised feature that influenced my decision to maintain the card. I request reimbursement for the denied price-match amount, restoration of the promised points value or equivalent compensation, and a refund or partial refund of the annual fee due to the reduction in advertised benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
My checking account was comprised. I filed a dispute and it was denied. I was told it was my fault. Today I spoke to a representative in the Escalation department and found out that the hacker called in and got my information from Sofi. They have all of the recorded conversations and found out it was someone else. I was accused by Sofi for actions they took and their negligence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
This is a mixed credit file issue. I share the same name and address as my father, and his accounts are appearing on my report. I have enclosed my official ID and Social Security Card verifying my identity. Please remove this account from my file WAYPOINT RESOURCE GROUP LLC XXXXXXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Balance {$610.00} Date Updated XX/XX/XXXX High Balance {$610.00} Original Creditor XXXX XXXX XXXX XXXX {$610.00} Pay Status >Collection< Estimated month and year this item will be removed XXXX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION<

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 2026-06-09 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: ND

Complaint narrative:
my card was stolen along with my wallet and bag on XX/XX/26 at a restaurant while traveling in XXXX. i have police reports proving this. my card was used at a liquor store beginning at XXXX in XXXX transactions totaling XXXX XXXX i have location history and XXXX receipts proving i was not at this liquor store when the purchases were made. i disputed the XXXX charges and only XXXX of them was refunded, the charge for XXXX XXXX when the dispute was reopened with further evidence, i was denied again. i requested a reason for denial and have not received any communication of the sort

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: AL

Complaint narrative:
On XXXX I called to set a payment arrangement with my car company, was told that i needed to pay {$150.00} to keep my car from being repossessed. I paid the {$150.00} and set payment arrangement. Car company confirmed my arrangements and told me the company would be notified of the hold on the repossession. within an hour of that conversation, the repossession agent came and got my car. When I tried to get my car company to tell them via phone that there was a hold, they told me that they could not tell them that. They then took my car and now my finance company is telling me I have to pay {$1700.00} not including lot fees to redeem my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LoanCare, LLC
State: TX

Complaint narrative:
I am disputing unresolved mortgage servicing, loss mitigation, accounting, foreclosure-readiness, and authority issues. I submitted requested loss mitigation documentation on XX/XX/XXXX, before LoanCare issued a XX/XX/XXXX appeal denial demanding about {$41000.00}. After that denial, LoanCares portal/email system continued showing a payment-plan/XXXX-style amount of {$1700.00} due for XX/XX/XXXX, with additional payment-plan amounts shown for XXXX and XXXX. LoanCare also sent an email stating the {$1700.00} XX/XX/XXXX payment was past due. These records conflict and do not clearly show whether the XXXXpayment plan was active, denied, withdrawn, expired, or still pending. I also requested records explaining XXXX servicing authority, XXXX ownership/enforcement authority, the alleged default, payoff/reinstatement/acceleration amounts, fees, escrow/corporate advances, credit reporting, and foreclosure referral authority. The company has not meaningfully reconciled these issues or provided the authority documents requested, including servicing/subservicing authority, limited power of attorney, investor authorization, boarding records, transfer/acquisition records, document custody records, and foreclosure referral authority. There are also unresolved authority and chronology concerns because servicing, default-related, loss mitigation, and foreclosure-related activity occurred before the corporate assignment to XXXX was recorded on XX/XX/XXXX. Prior federal litigation involving the same loan/property was dismissed without prejudice, and no final judgment established XXXX foreclosure authority, quiet title, right to possession, or entitlement to enforce. I request that LoanCare/XXXX place XXXX account on foreclosure hold, stop any foreclosure referral or trustee-sale activity, reconcile the conflicting loss mitigation/XXXX/payment-plan/accounting records, correct any inaccurate credit reporting, and provide a written response identifying the documents and authority relied upon to service, collect, accelerate, refer, or foreclose.

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 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I am filing this complaint because I was the victim of a scam involving peer-to-peer payments through Chime. I sent money to someone after they promised to provide a product/service. After the first payment, they continued asking for more money, claiming it was needed for insurance, verification, and other refundable fees. Each time I paid, they asked for more money and promised that I would receive a refund. I never received the product/service or any refund. I provided screenshots showing the messages, payment requests, and false promises. Despite this evidence, Chime denied my dispute and stated that the transactions were authorized because I sent the payments myself. While I did authorize the payments, I only did so because I was misled and deceived by the scammer. This was not a normal transaction. It was a scam that involved false promises and repeated requests for additional money. I have filed a police report regarding this incident. The police report number is XXXX. I am requesting that my case be reviewed again and that the evidence of fraud be considered. I would also like an explanation of how scam-related peer-to-peer payment cases are handled when a customer is induced to send money through deception. The total amount lost was approximately {$650.00}. I have screenshots, payment records, and other evidence supporting my claim.

Company response to consumer: Closed with explanation