vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IL

Complaint narrative:
I got approved for XXXX disputes XXXX from XX/XX/year> and XXXX on XX/XX/year> and I still have not received my money back. I have called them 3 times and they keep saying it should have already been available on my account.

When I call they tell me to wait 3 to 5 business days and I have waited. I don't know what else to do to the get the money I am owned from my Chime bank. I have been with them for 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I am filing this complaint against Barclays Bank Delaware for failing to correct or properly investigate inaccurate information that continues to appear on my credit report. 

On XX/XX/year>, I contacted Barclays Bank Delaware to dispute the reported late payment status on the above account. Despite this communication and prior requests for correction, there has been no response, no documentation provided, and no evidence that any reasonable investigation was conducted. The inaccurate and misleading information continues to be reported to the credit bureaus. 

As a data furnisher under the Fair Credit Reporting Act ( FCRA ), Barclays is legally required to ensure that all information reported to the credit bureaus is accurate, complete, and verifiable. Barclays has failed to meet this standard. 

Details of Non-Compliance : Barclays has not provided any description of verification procedures used to confirm this accounts accuracy. 

No copies of payment records, documentation, or investigation results have been shared. 

There is no evidence that any prior investigation complied with FCRA standards. 

The company has ignored written correspondence, violating my rights.

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 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXXXX/XX/year>, via online I requested TransUnion to revalidate all unverifiable and inaccurate information and inaccurate information on my credit report. TransUnion came back and stated that the information was verified and updated but didnt provide me on how it was verified. File identification number 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 2025-10-05 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: MS

Complaint narrative:
I am writing to formally file a complaint with the Consumer Financial Protection Bureau regarding my status as a victim of the XXXX  data breach, which was publicly disclosed in XX/XX/year>. This breach exposed the personal information of approximately XXXX XXXX XXXX, including names, Social Security numbers, birth dates, addresses, and in some cases, driver 's license numbers and credit card information. I am one of those affected individuals.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., credit reporting agencies such as XXXX  have a legal obligation to ensure the accuracy, security, and confidentiality of consumer information. This obligation includes implementing reasonable procedures to prevent unauthorized access to sensitive personal data. 
XXXX  failed in this duty, and as a result of their negligence, I am now at increased risk of identity theft, credit fraud, and other financial harm. This breach has caused me ongoing concern, emotional distress, and has required me to take several precautionary steps, such as credit monitoring, freezing my credit reports, and investing time and resources into protecting my identity. 
Furthermore, I believe XXXX may be in violation of the Gramm-Leach-Bliley Act ( GLBA ), which mandates that financial institutions protect the privacy of consumer financial information through appropriate safeguards. 
I request that the CFPB investigate this matter further and take all appropriate enforcement action to ensure that XXXX  is held accountable for their failure to protect consumer data and fully comply with their legal obligations. 
In addition to this letter, I am also submitting my complaint through the CFPBs online complaint system for tracking purposes. I am attaching any relevant documentation, including confirmation from XXXX  that I was impacted by the breach. 
I would appreciate updates on any actions taken and am available for further information if necessary. Thank you for your attention to this matter and for your continued work to protect American consumers. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: SC

Complaint narrative:
In my letter, I disputed the alleged debt and requested documentation proving that I owe it, as allowed under the Fair Debt Collection Practices Act ( FDCPA ). Despite this, the company has continued collection activity, including remove in 4 business days This is a violation of my rights under the FDCPA because they are attempting to collect without providing proper validation and ignoring my cease-and-desist request. I am requesting that the CFPB require this company to stop all collection activity until they provide full validation of the alleged debt, and to correct any inaccurate reporting to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Hello, my name is XXXX XXXX. XXXX writing in reference to my consumer file. 

I have reason to believe that my personal information may have been compromised as a result of the recent XXXX  data breach. This is very concerning under the Fair Credit Reporting Act, because it shows a failure to maintain reasonable procedures to ensure the accuracy and confidentiality of consumer data.

Under my rights provided by the FCRAspecifically sections 602, 607, and 611as well as the Gramm-Leach-Bliley Act, I am requesting the immediate deletion of any accounts, inquiries, or records on my file that can not be fully and independently verified at the furnisher level. 

Please note, if this request is not honored, I will be filing formal complaints with the CFPB, the FTC, and the Attorney Generals Office. 

So Id like you to confirm : Will you open an investigation and remove all unverifiable items from my credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
DEBT VALIDATION LETTER ( Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C.

1692g ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NY XXXX Date : XX/XX/year> Selip & Stylianou , LLP XXXX. XXXX XXXX XXXXXX/XX/XXXXXXXX, NY XXXX Subject : Request for Debt Validation XXXX XXXX XXXX XXXX Reference : XXXX & XXXX ; File No. XXXX/ Index No. XXXX Dear Sir or Madam : I am writing to formally dispute the validity of the alleged debt referenced above, which you claim I owe to XXXX XXXX XXXX XXXX Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting a complete and detailed verification of this debt before any further collection attempts or legal actions continue. 
Please provide the following information : 1. The name and address of the original creditor. 2. The exact amount of the alleged debt, including a breakdown of any interest, fees, or other charges added. 3. A copy of the original contract, agreement, or account application showing that I am legally obligated to pay the debt. 4. Documentation proving that your firm, Selip & Stylianou , LLP, is legally authorized to collect this debt on behalf of the creditor. 5. Copies of any judgments, statements, or other documents upon which your claim is based. 
Under the FDCPA, I request that you cease all collection activity, including phone calls, correspondence, or legal proceedings, until you provide the requested validation. Any continued attempt to collect this debt without proper verification constitutes a direct violation of federal law. 
Please send your written response to the address listed above. Thank you for your attention

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: MD

Complaint narrative:
I have been having a myriad of issues as important to XXXX billing and services. I have been a customer of XXXX for over 14 years. My billing concerns started to happen when I was convinced by one of their sales representative over the phone to upgrade my XXXX XXXX to an XXXX XXXX XXXX. During XXXX XXXX of sale the sales person advised that I would be eligible for a free XXXX XXXX. He also advised that I would be able to trade my XXXX XXXX in for a discounted XXXX XXXX. On that day because I was trying to keep my monthly bill low, I paid 100 % of the upgrade for the phone with the understanding that I would have to trade my XXXX in and will be billed for the monthly service of the free watch. All of this wound prevent me paying any monthly equipment fee. The XXXX XXXX XXXX was mailed. For months unknowingly, due to me having auto pay enabled, I was paying for equipment fees for both the what was sold as a free watch and the XXXX XXXX upgrade. I reached out to XXXX and was told that they were not in receipt of the XXXX. For months I worked with customer service both on phone and in store to get this issue rectified and was unable too. Unfortunately due to XXXX customer service being in foreign countries with the language barrier, it was difficult to get anywhere over the phone. I decided to port my number to XXXX. Once my number was ported XXXX locked me out of the my XXXX app. Which prevented me from viewing anying invoice related. Months later I received a one page letter that said I owed {$380.00} as a final invoice.this far exceeded my monthly invoice and because I could not access an itemized bill online I called and was told that I had the same equipment fees. At that moment I denied it again and was told that an itemized invoice would be sent. I was told them on multiple occasions and never received one.fast forward today, my neighbor lets me know that she has mail that belongs to me. Her mail and my mail gets confused a lot of the time as she is XXXX and I am XXXX on the same street. Opening the mail was a debt collector MRS attempting to collect {$570.00} from XXXX. I am disputing all of these charges. I have no problem paying for the monthly services but XXXX is not going to strong arm me into paying my erroneous charges that they falsify advertised and promoted via their sales person as free. Please help!!!!! I have also discovered that they have reported me to the credit bureau which now has impacted my credit significantly by XXXX points and I would like that reversed and reviewed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2025-10-05 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: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
GM Financial is reporting account # XXXX as a charge-off with a {$7800.00} balance past due, while also reporting {$10000.00} written off and repossession coding. These contradictory statuses can not coexist. 

Under FCRA, 15 U.S.C. 1681e ( b ), a furnisher must ensure maximum possible accuracy in reporting. Under 1681s-2 ( b ), once disputed, a furnisher must conduct a reasonable reinvestigation and correct or delete any unverifiable or inaccurate information.

I formally disputed this tradeline, requesting the full accounting, repossession/sale records, deficiency balance calculation, and XXXX XXXX XXXX reporting fields. To date, GM Financial has not provided consistent documentation. Furnishing contradictory and unverifiable information is a violation of the above FCRA provisions.

Consumer Harm : These false derogatories unfairly suppress my credit standing, misrepresent my payment history, and obstruct my eligibility for mortgage financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing this complaint because the credit reporting agencies and furnishers are willfully reporting and sharing my private consumer information without my consent or permissible purpose. Multiple accounts and inquiries have appeared on my credit report that I never authorized or signed for. I have repeatedly provided my correct identifying information, yet unauthorized data, false addresses, and inaccurate account details continue to appear. 
This behavior violates several federal laws, including : 15 U.S.C. 1681b Requiring permissible purpose before furnishing a consumer report.

15 U.S.C. 1681s-2 Prohibiting the furnishing of inaccurate or unverifiable information.

15 U.S.C. 1681i Requiring reasonable reinvestigation of disputed information.

15 U.S.C. 6802 ( GLBA ) Prohibiting unauthorized sharing of nonpublic personal information. 
These agencies have continued to publish and distribute my information without proof of a signed contract, written consent, or legal authority. This has caused harm to my privacy, reputation, and financial standing. Any address not belonging to me and any account or inquiry without my authorization must be immediately deleted from my consumer 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 2025-10-05 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: CA

Complaint narrative:
I filed an FTC Identity Theft Report and mailed supporting documents to Experian, Equifax, & XXXX  requesting the removal ( block ) of fraudulent accounts under FCRA 605B.

Experian has removed the collections but refuses to remove multiple fraudulent accounts ( XXXX XXXX credit card and XXXX XXXX XXXX. When I call, their system refuses to transfer me to a representative in the fraud department and repeatedly disconnects me. 

This violates my rights under the Fair Credit Reporting Act, which requires credit bureaus to block fraudulent information within 4 business days of receiving proper identity theft documentation. 

I am requesting immediate deletion of the fraudulent accounts and a written confirmation that my credit file has been corrected. 


XXXX  removed everything I requested, Equifax has removed nothing and they continue to have my file locked when I told them to unlocked and never lock it unless I request them to, Experian has moved collection accounts but not the other accounts that dont belong to me. Ive tried calling Experian 5 times now regarding this. They are in violation I want them to be held accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: PA

Complaint narrative:
On XX/XX/year>, I placed an order with XXXX XXXX using Zips installment service. XXXX XXXX confirmed they never received the order, and no items were shipped. 

I contacted Zip immediately to pause or cancel payments and provided proof from XXXX XXXX showing the order was never processed. Despite this, Zip continued charging me and later claimed the order went through, which is false. Zip has since blocked my account and continues collection efforts for an unfulfilled order. 

Requested Resolution : XXXX. Cancel remaining installments. 
XXXX. Refund payments already made. 
XXXX. Stop collection efforts and unblock my account. 

I have documentation from XXXX XXXX and records of all communications with Zip.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX, along with the credit reporting agencies Equifax, Experian, and TransUnion, are in violation of the Fair Credit Reporting Act ( FCRA ) 605 ( c ), 623 ( a ) ( 5 ), and 611 ( a ) ( 1 ) ( A ) for illegally re-aging a charged-off account and failing to conduct a proper reinvestigation. 

The original Date of First Delinquency ( DOFD ) for this XXXX XXXX XXXX account was XX/XX/XXXX. After my initial dispute, the account was re-aged to XX/XX/XXXX, and has now been re-aged again to XX/XX/XXXX. 

I made it clear in my previous disputes that I was not disputing ownership of the account, but rather the inaccurate and unlawful modification of the reporting dates. Despite this, the bureaus closed my disputes as verified, claiming the account belongs to me completely ignoring the actual issue of re-aging. 

This repeated and deliberate alteration of dates is illegal under the FCRA, as it misrepresents the accounts true age and extends the reporting period beyond the lawful seven-year limit. Furthermore, the credit bureaus failure to investigate the specific issue I raised constitutes a violation of FCRA 611 ( a ) ( 1 ) ( A ), which requires a reasonable reinvestigation of the specific dispute raised by the consumer.

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 2025-10-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX, along with the credit reporting agencies Equifax, Experian, and TransUnion, are in violation of the Fair Credit Reporting Act ( FCRA ) 605 ( c ), 623 ( a ) ( 5 ), and 611 ( a ) ( 1 ) ( A ) for illegally re-aging a charged-off account and failing to conduct a proper reinvestigation. 

The original Date of First Delinquency ( DOFD ) for this XXXX XXXX XXXX account was XX/XX/XXXX. After my initial dispute, the account was re-aged to XX/XX/XXXX, and has now been re-aged again to XX/XX/XXXX. 

I made it clear in my previous disputes that I was not disputing ownership of the account, but rather the inaccurate and unlawful modification of the reporting dates. Despite this, the bureaus closed my disputes as verified, claiming the account belongs to me completely ignoring the actual issue of re-aging. 

This repeated and deliberate alteration of dates is illegal under the FCRA, as it misrepresents the accounts true age and extends the reporting period beyond the lawful seven-year limit. Furthermore, the credit bureaus failure to investigate the specific issue I raised constitutes a violation of FCRA 611 ( a ) ( 1 ) ( A ), which requires a reasonable reinvestigation of the specific dispute raised by the consumer.

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