vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
XX/XX/year> I sent the company in question a certified statement requesting to dispute this debt, verification, validation, purchase agreement, amount of the debt, name of the creditor, and proof your license to collect in both states ( lease is from XXXX ) copy of your surety bond, 15USC1693G-, Bill of sale, chain of custody, full history of this debt who paid what for this debt, how much you paid for this debt, All signatures, everyone who touched that account. Right to collect on this debt, proof this debt hadn't passed the statute of limitations, EVERYTHING PLEASE .. SECOND TIME I REQUESTED THIS INFORMATION. 

What I received was a generic typed lease, with a generated signature all the same, no ID., I received copies of my IP address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ive been a victim of ID theft, Ive been receiving numerous harassment calls, I have been told by the concierge at the front desk that gentleman are looking for me. I live a quiet life now this is occurring. Why do you have my IP address and what are your thoughts? Supposed someone else may have bad intentions is that a threat We can track you anywhere That's frightening. I'm a mess I cry all the time I don't feel safe. I filed a report with the FBI IC3, XXXX Police Department, I don't know what to make of this. I received an email from Equifax saying they're finishing an investigation and needed my ID. I sent them my ID over the verification website, only to find out that that wasn't them that requested that, and sometimes debt collectors use that tactic. When I went back to the site it was blocked so yes they were correct. I just received this new ID card so if it's used it's illegal. I placed a freeze on all of my accounts, fraud alerts, and I noticed they keep checking my accounts almost daily for what? I asked them not to call me I have on my phone several times they called and left messages. I feel like a prisoner at their hands, their bullies. I'm always looking over my shoulder when I go to the market. I'm afraid to leave my home now. Ive never been so scared and exhausted from all of this. The constant spam on my phone is overwhelming. Please excuse my format Im so exhausted. They placed this on my credit none of the proof I asked them to provide. 
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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to address inaccuracies in my personal information on my credit report, which are causing difficulties with my credit applications and resulting in significant frustration. 
These errors must be corrected to ensure the report reflects accurate details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: SC

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute several items on my credit report. I believe that the following accounts contain inaccuracies and I request a thorough review and correction of these entries. The information provided below is specific to each credit bureau and the corresponding disputes. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am honestly at my limit because the inaccurate late payments are still showing on my credit report today. Nothing changed even after refreshing the page, which only added to my frustration. I am urgently insisting that the documents I submitted be checked with full attention so I can finally stop stressing over this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My father passed away in XXXX. I am a legal owner on the deed, which makes me a confirmed successor in interest under Regulation X and the GarnSt. Germain Act. The servicer is illegally requiring loan assumption as a condition for servicing the loan and paying escrowed homeowners insurance. They are refusing to release escrow payments because I am not on the loan, which is a violation of 12 C.F.R. 1024.3041. I need them to recognize me as a successor and service the loan as required by federal law. 

My insurance has lapsed due to this negligence. Not once did the company reach out to me regarding this matter until I reached out on XX/XX/XXXX after receiving a notice in the mail that my insurance lapsed. They have owned this loan since XXXX. Never once was there any issue making payment disbursements until now.

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 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: VA

Complaint narrative:
RFGI and XXXX claim I owe {$96.00}. I did not make nor am I responsible for this debt.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectify these issues.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
Experian has been charging mw {$29.00} a month for many months without my permission. I did not sign up for this service. They also have a weird unknown phone number for me to get texts to in order to prove I am me... I can not get a live person on the phone or otherwise dispute or discuss any of this. Experian is a shady business with no way to contact a representative literally. They need to refund me and never contact me again. This company should not be in business much less hold so mush power over consumers who literarlly can not contact them for any reason other than useless irrelevant automated issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
A joint-payee check issued by XXXX XXXX XXXX XXXX XXXX XX/XX/year> to XXXX XXXX XXXX and XXXX XXXX was deposited at Wells Fargo , even though only my endorsement appears. Accepting a joint-payee check without both endorsements violates UCC 3-420 ( Conversion of Instrument ) and Reg CC 229.35. 

I request that Wells Fargos fraud department identify the depositing account, reverse the transaction, and reimburse the issuing institution.

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 2025-12-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: TX

Complaint narrative:
For the past few months, this creditor has called me several times a day, sent emails and mailed letters. After reviewing emails and mailed letters, there were several misspelled words, inaccurate information ( i.e. loans will be transferred back to XXXX if in default when by law XXXX can not service student loans and so forth ), references within the letter show a XXXX digit number but them asks that cashier check payment list a XXXX loan number, there is an urgency factor threat if not paid within a number of days, and the emails demand payment by a due date that are several months past ( i.e. email sent on XX/XX/year> demanded payment by XXXXXXXX XXXX XXXX  which is 6 months in the past and so forth ). These are only a few examples. 

When I try to view this account on servicing.mohela.com, it gives me an error that this account doesn't match. I've tried to speak to someone at Mohela several times about getting online access and I am told that my account is locked. I then ask them to unlock the account so I can view it online. They tell me each time that the XXXX person that can unlock the account is not available with some of the excuses being that they are out to lunch, not in, not responding to the messages, they will call back within XXXX hours to unlock the account and so on and so forth. Yet I still do not have access to this supposed account. I am Totally and Permanently XXXX and receive Social Security XXXX and XXXX. All my other student loans were XXXX automatically, so this creditor, Mohela, trying to collect on loans that should have been XXXX is very strange and concerning. 

When I tell the bill collector that I am on Social Security XXXX, they instruct me to fill out the first XXXX pages of a pdf form they email me and ask me to email it back filled out and to only call a certain phone number back once I email it over. There are a number of issues with the form that they want me to fill out beginning with # XXXX being that the form asks for very private information that exposes me to potential identity theft, # XXXX they can not provide me access to my account online due to the person with ability to unlock my account isn't ever available # XXXX they can not provide proof of that this loan is legitimate, # XXXX they place an unlawful sense of urgency with the threat of default or transfer to a noneligible provider and so forth. It's hard to believe that a multimillion dollar company and supposedly the largest student loan servicer has only XXXX person with the ability to unlock accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Company wont send origin loan documents with my signature. Its been sold again to another company and thats illegal. I have been a victim of identity theft .. this company needs to send original documents with my signature, and final cost.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to address inaccuracies in my personal information on my credit report, which are causing difficulties with my credit applications and resulting in significant frustration. 
These errors must be corrected to ensure the report reflects accurate details.

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/year> I charged seat upgrades for XXXX seats at XXXX XXXX on my card for {$160.00} each. In the past Bank Of America had told me that they only reimurse from certain airlines which included XXXX XXXX, I tried to reach the # at the back of the card for why they did not reimburse me but I was getting a run around and no one could direct me to someone who can take action or tell me why I did not get reimbursed.

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 2025-12-02 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: MI

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding multiple accounts that have been reported inaccurately on my credit report. Please review the following details separated by credit bureau : Charged Off Accounts : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$810.00} Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XX/XX/XXXX Late Payments : XXXX 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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I deposited a large check in my account in the amount of XXXX the check went thru verification process with issuing bank and funds cleared. When the hold was removed I started paying for remodels in my home via apple pay. On XX/XX/XXXX my account was frozen by Navy Federal credit union. I called on XX/XX/XXXX for an explanation and I was told that the account was being closed due to abusive spending which is the verbage that was used and that I will receive my remaining funds via check. In XXXX I visited a Navy Federal branch in Georgia where I reside and spoke to the branch XXXX and was told they had no information and to wait for the closure process which could take up to 30 days. I called back after 30 days due to no correspondence received and spoke with security department and was told they have no information to provide me with the status of closure. Fast forward to now we are in XXXX from an account closure initiated in XXXX. I called and spoke with a XXXX in the fraud department and got the same response with no information provided. I understand that if the relationship is being ended but why haven't I received the remaining funds that was in my account which rightfully belongs to me. I think that it's unethical for a customer to call several times and can't get any info on where my funds are or even correspondence on what the next steps should be to reconcile this situation. Waiting over 3 months to receive my funds is absolutely ridiculous and when calling being treated like a criminal is unacceptable. I need a response from Navy ferderal credit union on where my funds are. The fact that this started in XXXXXXXX XXXX XXXX  and we are now in XX/XX/year> after several phone calls still no correspondence

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
Unauthorized Transfer, Improper Account Closure, and Violations of Chime Terms & Federal Law Name : XXXX XXXX XXXX : XXXX Accounts Affected XXXX XXXX XXXX XXXX : {$100.00} Secured Deposit Account : {$130.00} Complaint Details : I am filing a formal complaint against Chime Financial , Inc. regarding the handling of my XXXX XXXX XXXX and Secured Deposit Account. 

XXXX. Unauthorized Transfer / Misappropriation of Funds I instructed Chime not to use my Secured Deposit Account to pay my negative Credit Builder Card balance. 
Despite my instructions, Chime closed my XXXX XXXX account and used {$130.00} from my Secured Deposit Account to pay the {$100.00} balance. 
Violation : Breach of Chimes Electronic Fund Transfer Terms & Conditions for Safer Credit Building, which require authorization for any transfer from Secured Deposit to Card Account. ( chime.com/policies ) Federal Law Violation : Unauthorized transfer under EFTA / Regulation E ( 12CFR1005.6 ( b ) ).

2. Misrepresentation of Account Ownership / Rights to Funds Chime representatives falsely stated that the {$130.00} Secured Deposit was not mine.

Secured Deposit Accounts are FDICinsured and fully owned by the depositor until properly applied or refunded. ( XXXX  ) Misrepresentation constitutes a deceptive act under Dodd-Frank Act Section 1036 ( UDAP ).

3. False Statements Regarding Credit Builder Card Status Chime stated the card is not a loan or credit, which contradicts their own Terms : the XXXX XXXX XXXX is a secured credit product reporting to major credit bureaus. ( chime.com/credit-builder-card ) Misrepresentation is a violation of the Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ).

4. Account Closure Without Notice or Authorization Chime closed my account without prior notice or consent, and then self-corrected the negative balance using my funds.

Violates Chimes own Terms, which require proper notice and authorization before account closure. ( chime.com/credit-builder-card/terms ) Federal Law : EFTA / Regulation E
protects consumers from unauthorized withdrawals.

5. Other Discrepancies / Unlawful Acts Refusal to return my {$130.00} Secured Deposit.

Misapplication of funds to my negative Credit Builder balance without authorization.

Providing conflicting information about the nature of my Secured Deposit and Card product.

Acting in a manner consistent with prior CFPB enforcement actions against Chime for unlawful withholding of consumer funds. ( XXXX XXXX XXXX have audio recording of me asking for the deposit to not be used, and i asked the representative to not utilize funds in the secured account deposit and she did anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
Dear Sir/Madam, I am submitting this complaint to dispute inaccurate information related to my credit report. Below are the details for the accounts that I am disputing. 

Charged Off Accounts : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XX/XX/XXXXAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XX/XX/XXXX I Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXXXX/XX/XXXXXXXX Date : XX/XX/XXXX Late Payments : XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXX Account 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