vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
This is across the boardXXXX XXXX XXXX XXXX XXXX  have incorrect information, as listed below. 

XXXX. XXXX XXXX XXXX Acct # * XXXX Incorrectly listed as a collection with no verifiable documentation. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported as XXXX  days past due even though paid and closed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrongly reported as a charge-off after settlement. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Duplicative, inconsistent charge-off reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Outdated and unverifiable entry.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Chime handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that chime has 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 concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

MXXXX 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 - inquiry has violated my rights. 

I looked at my credit reports and noticed that some things are inaccurate and incomplete. 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 and 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 general, 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 supposed 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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:
Im extremely frustrated to see that unauthorized inquiries are appearing on my credit report. I urgently need this issue resolved and want my submitted documents reviewed thoroughly.

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 2025-10-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: VA

Complaint narrative:
XXXX XXXX Account # XXXX I was unaware of this account and was not notified of it in time to dispute it. If you believe this is accurate, please provide me with all information in XXXX Mail with my signature. If this can not be provided, please remove this debt from all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to provide clarification regarding my role as the co-signer for the vehicle financed through XXXX XXXX. I was unaware that the vehicle was not sold until XXXX. 

When I spoke with a XXXX XXXX representative in XXXX, I was informed that the vehicle had been repossessed and was in the process of being sold that same year. Based on this information, I believed the matter would be resolved through the sale of the vehicle. 

In XXXX, I made a payment toward the remaining balance under the understanding that the vehicle was being sent to auction to be sold. I was unaware of any delays or changes regarding the sale of the vehicle after that time. 

I am requesting clarification and documentation regarding the repossession and sale timeline, as well as the application of my payment made in XXXX. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX co-signer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: OH

Complaint narrative:
This is across the board. XXXX XXXX XXXX XXXX have incorrect information, as listed below. 

1. JEFFERSON CAPITAL LLC Acct XXXX XXXX XXXXXXXX Incorrectly listed as a collection with no verifiable documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported as XXXX  days past due even though paid and closed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrongly reported as a charge-off after settlement. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Duplicative, inconsistent charge-off reporting. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Outdated and unverifiable entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America closed several accounts. 2 personal accounts, several company accounts, my wife 's account, a non profit 501c account. All at once with no explanation other than " the bank can choose to close any account for any reason ''. They wouldn't give me an explanation although I tried for several weeks calling and in person with the branch officer. I made a claim which was answered by CFPB and sent to an officer at BOA. He sent me an email with a phone number. I've tried to reach out to him by phone and email with no response. The case # is 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 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mandarich Law Group, LLP
State: MI

Complaint narrative:
I am disputing an alleged debt originally with XXXX XXXX that was reportedly sold to XXXX XXXX, XXXX. 
On XX/XX/year>, I sent XXXX XXXX a written dispute and validation request under the Fair Debt Collection Practices Act ( FDCPA, XXXX XXXX. XXXX ) and the Michigan Collection Practices Act ( MCL 445.251 et seq. ), along with a cease-communication directive. 

Later, I was informed the account was sold to XXXX XXXX, XXXX. 
On XX/XX/year>, I sent XXXX a certified letter disputing and requesting full validation of the alleged debt. I clearly requested that they cease all collection activities, including calls, letters, and credit reporting, until proper validation was provided. 

Despite that, on XX/XX/year>, I received a debt collection letter from Mandarich Law Group , LLP, a law firm acting on behalf of Velocity. The letter stated that Mandarich was a debt collector attempting to collect a debt and displayed their law firm logo and letterhead on the envelope and letter.

No validation or documentation was ever provided prior to this letter. Therefore, Velocity and Mandarich violated my rights under FDCPA 1692g ( b ) by continuing collection activity after a timely dispute.

Additionally, Mandarichs letter and envelope violate 1692e ( 3 ) and 1692f ( 8 ) because : It used a law firm name and logo to create the impression that an attorney was involved or that legal action was imminent when no attorney had reviewed the account.

The envelope and letterhead clearly identified the sender as a law firm/debt collector, revealing the nature of the communication.

I also believe these actions violated : FDCPA 1692c ( c ) continuing to communicate after a written cease notice.

FDCPA 1692e ( 2 ) ( A ) false representation of the character and amount of the debt ( no accounting provided ).

MCL 445.252 ( a ), ( e ), ( f ), and ( n ) misrepresentation, false statements, and failure to obtain proper licensing for debt collection in Michigan. 

These companies ignored my lawful disputes and cease-communication rights, continued collection through a law firm without validation, and used deceptive tactics to pressure payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I tried to get my money back through the bank All these transactions that were done were erroneous and I feel I should get my money back and they kept sending me a letter stating that they could not give me my money back that I had my debit card and my possession which I did it was in my wallet but these transactions are wrong and I want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of unauthorized Credit card accounts listed on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

I am a victim of Identity Theft through the XXXX XXXX XXXX and the Credit Cards listed on my credit report do not belong to me. 

I have filed a Police Report with my local Police, and I will provide the report, the XXXX XXXX XXXX XXXX to me, and proof of my Identity. 

I am requesting you remove these accounts immediately from my credit report. 
XXXX XXXX XXXXt - Balance {$350.00} Account # XXXXXXXX XXXX XXXX XXXX  - Balance {$420.00} Account # 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 2025-10-07 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: TX

Complaint narrative:
I wanted to reach out to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me about the safety of my sensitive data. As a result of the breach, fraudulent accounts and debts have been opened in my name. I would be grateful if you could take this into account when reviewing my credit report and take the necessary steps to address any inaccuracies or fraudulent activities.

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 2025-10-07 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: TX

Complaint narrative:
I wanted to reach out to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me about the safety of my sensitive data. As a result of the breach, fraudulent accounts and debts have been opened in my name. I would be grateful if you could take this into account when reviewing my credit report and take the necessary steps to address any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 2025-10-07 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-07 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation