vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 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: MO

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Capital One Card Was Charged Off But They Keep Reporting It Over The Limit Each Month

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I was the victim of a scam involving two Chime accounts. I sent a total of {$500.00} ( {$250.00} each to two different Chime users ) for a supposed dog purchase. The seller disappeared and blocked me after receiving payment. I contacted Chime and spoke with a supervisor named XXXX ( Case # XXXX ). 

Chime told me there was nothing they could do because the payment was sent through the XXXX XXXX feature. However, this was not a voluntary or personal transaction it was the result of deceptive fraud. Im requesting that Chime reopen the investigation under Regulation E, as this involved false representation and misled me into authorizing the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: IL

Complaint narrative:
accounts appearing on my Equifax credit report, in accordance with 15 U.S.C. 1681c-2 ( FCRA I am a victim of identity theft and a confirmed participant in the Equifax data breach, under Engagement Number XXXX, where my personal information was compromised. As a result, the following accounts were opened or reported without my authorization or consent. 
The following accounts must be blocked immediately : - XXXX - XXXX XXXX  - Account ending in XXXX ( Closed XX/XX/XXXX ) - XXXX XXXX XXXX XXXX  - Account ending in XXXX ( Charge-Off ) - XXXX XXXX  - Account ending in XXXX ( Closed XX/XX/XXXX ) - XXXX XXXX XXXX  - Account ending in XXXX - XXXX XXXX XXXX XXXX Account ending in XXXX Pursuant to 15 U.S.C. 1681c-2 ( a ), you are required to block this information within four ( 4 ) business days after receiving : 1. A copy of my government-issued photo ID and proof of address ; 2. A copy of my FTC Identity Theft Report ; and 3. This written statement identifying the fraudulent items.

Please provide written confirmation once these accounts have been removed or blocked, and notify all furnishers and other credit reporting agencies as required by law. 
Thank you for your immediate attention to this matter.

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 2025-10-19 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: CT

Complaint narrative:
XX/XX/XXXXplay a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ). This violation has led to an alleged case of identity theft, breaching 15 U.S. CXX/XX/XXXXe XXXX. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. CXX/XX/XXXXe XXXXf, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. CXX/XX/XXXXe XXXXe, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: LA

Complaint narrative:
While trying to build my crypto portfolio, i am having too many issues, Questions & unclear routes with crypto.com. I am not seeing the full amount of my crypto wallet when I select 'cash ' or 'crypto wallet '. I cant ask for help with withdrawals because they say 'chat support ' is the go-to for withdrawals, etc & chat support shows pictures & steps THAT ARE NOT UP-TO-DATE with the current version of the updated app. I NEED & WANT MY FUNDS ( usd NOT crypto ) WITHDREW INTO MY BANK ACCOUNT & I NEED SUPPORT FROM A REAL HUMAN. 

CRYPTO.COM vs. I.Jackson ( I am pulling a lawsuit together in case the issue isn't resolved. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: GA

Complaint narrative:
TransUnion Credit Bureau Reinvestigation Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX [ Date ] TransUnion [ Insert Bureau Address ] Subject : Reinvestigation Request XXXX XXXX XXXX Account Ending XXXX Dear TransUnion, This is a formal dispute and reinvestigation request under 15 U.S.C. XXXX regarding the accuracy of reporting for XXXX XXXX XXXX, account ending XXXX. 
XXXX XXXX XXXX has failed to verify or provide documentation supporting the repossession and alleged deficiency balance of {$9900.00}. Their response dated XX/XX/XXXX included no proof of sale, auction documentation, or post-sale accounting as required by XXXX XXXX. 
Because the furnisher has not provided evidence substantiating this account, its continued reporting violates the Fair Credit Reporting Act ( 15 U.S.C. XXXX ( a ) ) and must be deleted immediately under XXXX ( a ) ( XXXX ). 
Please conduct a full reinvestigation and provide written confirmation of the results. 
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 non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Westlake Services, LLC
State: CA

Complaint narrative:
A bankruptcy was declared under the name of XXXX XXXX listing XXXX XXXXXXXX, XXXX as exempt property Westlake financial was notified by the bankruptcy court they proceeded with a unlawfull repossession. 
Case number XXXX This shall act as notice of adversary complaint for unlawful repossession, fraud, malice, Misrepresentation, adhesion contract, truth in lending violations, commercial law violations, trust law violations and estate law violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: NJ

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( 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. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union inaccurately reported my closed and paid-off credit account to XXXX  as being XXXX days past due, even though the account was paid on time, never delinquent, and closed with a {$0.00} balance. 
The account was last updated in XX/XX/year>, as shown in the credit report screenshot. It reflects : Payment Status : Paid or paying as agreed Worst Delinquency : XXXX days past due Balance : {$0.00} XXXX XXXX : {$25000.00} This is contradictory and misleading. An account can not be both paid as agreed and XXXX  days past due. The account was always paid on time and closed in good standing with no outstanding balance. 
I contacted Navy Federal Credit Union and XXXX  on XXXX XXXX to dispute the inaccurate reporting. Despite providing evidence that the account was paid and closed properly, the incorrect XXXX days past due remains on my credit report.

This inaccurate reporting has damaged my credit score and profile by falsely suggesting a severe delinquency that never occurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Ava Finance, Inc
State: AR

Complaint narrative:
Subject : Credit Builder Account Mishandled During Hardship and Improper Late Reporting What happened : I am filing this complaint regarding my Ava credit builder account, which was recently closed. I experienced a verified financial hardship and contacted Ava multiple times before the account reached 45 days past due. I explained my situation and requested assistance or a temporary hardship option.

Avas product is advertised as a credit builder tool designed to help consumers strengthen their credit profiles. However, when I reached out proactively to prevent late reporting, I was told there were no hardship programs or flexibility available. This contradicts the companys advertised purpose and leaves consumers with no protection when facing legitimate financial challenges. 
After several calls and email exchanges, I requested that the funds sitting in the savings portion of my account be applied to the outstanding balance, since Ava was threatening to close my account and continue reporting negatively. They eventually agreed to apply the savings to pay off the account and close it, which I appreciated. However, by that point, the account had already been reported late, even though I contacted them before 45 days and had available funds to resolve the balance. 
As a victim of prior identity theft, I have worked hard to rebuild my credit and would never intentionally allow a credit account to fall behind. Avas refusal to apply my own funds in a timely manner, and lack of hardship options on a product marketed as a credit builder, has caused unfair damage to my credit profile.

What Im requesting : Temporary suppression of all negative reporting while this matter is under investigation. 


Correction or removal of late payment reporting given that I reached out multiple times before the account reached 45 days past due and funds were available to satisfy the balance. 


Confirmation that the account is now reported as paid and closed in good standing to all credit bureaus. 


I have attached my email correspondence and documentation showing my attempts to resolve the issue before Avas negative reporting.

Requested resolution : Update the reporting to reflect paid/closed in good standing, suppress or remove the late mark, and ensure Avas credit builder product aligns with its advertised purpose by offering reasonable hardship support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: MD

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing a complaint regarding a confirmed merchant refund that Chase Bank has failed to credit to my checking account ( Claim # XXXX ). 

Transaction and Refund Details : Original Transaction : {$54.00} charged by XXXX * XXXX XXXX on XX/XX/year>. 
Refund Amount : {$54.00}. 

XXXX XXXX  Confirmation : The merchant ( XXXX XXXX XXXX ) confirmed that the refund was " SUCCESSFULLY REFUNDED '' on XX/XX/year>. 

Critical Tracking Number : XXXX provided a specific banking reference number for the funds transfer : Acquirer Reference Number ( ARN ) XXXX. 

Actions Taken by Bank ( Chase ) and Problem : I initially filed a claim ( No. XXXX ) with Chase Bank regarding this transaction on XX/XX/year>. Chase Bank closed the claim on XX/XX/year>, stating " No adjustment will be made '' because the original transaction was authorized. 
Despite receiving the official ARN from XXXX 's Escalations Team, Chase Bank representatives continue to deny receiving the refund or claim that XXXX is blocking it. The bank has failed to use the provided XXXX to conduct a detailed inter-bank trace of the funds. The issue is now a dispute between the bank ( refusing to credit confirmed funds ) and the merchant ( providing proof the funds were sent ). 

Desired Resolution : I request that Chase Bank 's dedicated Payment Trace Team immediately use the XXXX  XXXX to locate the {$54.00} refund and credit it to the card ending in XXXX without further delay. I seek the immediate return of the confirmed refund amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Did not understand about charge -offs.Could not pay credit.

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 2025-10-19 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:
This account was charged off on the following date XX/XX/year> Since then the account has been repeatedly updated as charged off every month. 
This is an update in the payment history. A charge off should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account Account Name 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