vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: EQUIFAX, INC.
State: AZ

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. 

Instead, you responded with a generic summary of charges or statement balance, which does not satisfy federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : A copy of the original signed contract or agreement bearing my signature A full chain of title including all assignments and transfers of the alleged debt A bill of sale or purchase agreement proving legal ownership of the debt Proof of licensing to collect debt in my state Surety bond information ( if applicable in my jurisdiction ) A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to credit bureaus is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information. 

Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : 15 U.S.C. 1692e - False or misleading representations 15 U.S.C. 1692f -Unfair practices 15 U.S.C. 1692g-Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within 15 calendar days, I will proceed with legal action against your agency under 15 U.S.C. 1681n and 1692k, including, but not limited to, statutory damages, punitive damages, legal fees, and costs. 

This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and pursue civil litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: DriveTime
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX. XXXX XXXX, TX XXXX : Formal Dispute of Inaccurate and Fraudulent Information on My Experian Credit ReportTo Whom It XXXX Concern, I am writing to formally dispute several inaccurate and negative items on my credit report with Experian. This dispute is in connection with fraudulent activity that has compromised my personal information and resulted in erroneous reporting on my credit file.After reviewing my credit report, I have identified multiple false and negative entries that were reported inaccurately and are the result of unauthorized access to my account. It is clear that Experian has not adequately conducted the necessary investigations to validate the accuracy of these entries, despite my previous attempts to have this matter resolved.Details of the Errors Include : Multiple negative accounts that I did not authorize. Fraudulent inquiries and accounts opened without my consent. Incorrect and outdated information that should have been removed per the Fair Credit Reporting Act ( FCRA ) XXXX that Experian has a legal obligation to ensure that all information reported is accurate and to conduct a thorough investigation of disputes under the FCRA, I am demanding immediate action to correct these errors.I request that Experian take the following XXXX. XXXX a Proper Investigation : Investigate all disputed items thoroughly and provide a detailed report of your findings. 
XXXX. Remove All False and Negative Information : Eliminate all fraudulent, inaccurate, and negative items from my credit XXXX. Provide Written Confirmation : Send me a revised credit report reflecting the corrections made to my file.If these errors are not addressed within XXXX XXXX  of receiving this letter, I will be left with no alternative but to pursue further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal remedies.Please find attached supporting documentation to assist in your investigation.Thank you for your immediate attention to this urgent matter. I look forward to receiving confirmation that these inaccuracies have been corrected.Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: SC

Complaint narrative:
I am submitting this complaint as a consumer attempting to correct and verify inaccurate or unverifiable information being reported on my credit reports by XXXX XXXX, and TransUnion. Despite my previous dispute efforts, several accounts, inquiries, and payment histories continue to appear incorrectly or without proper verification. I am requesting that the Consumer Financial Protection Bureau investigate these matters to ensure that all information reported complies with the Fair Credit Reporting Act ( FCRA ), including sections 602 ( A ), 611, and 623. 



Disputed Accounts Charged Off XXXX  XXXX # XXXX XX/XX/XXXX {$170.00} XXXX  XXXX # XXXX XX/XX/XXXX {$60.00} XXXX XXXX # XXXX XX/XX/XXXX {$700.00} XXXX XXXX  # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX # XXXX XX/XX/XXXX {$630.00} Statement : TransUnion is reporting several charged-off accounts that are inaccurate or unverifiable. Certain dates and balances conflict with other reports. I am requesting deletion or correction following a proper investigation. 

Disputed Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Statement : These inquiries do not appear to have been authorized by me or lack a legitimate business purpose. I request that TransUnion verify each inquirys authorization or remove those that can not be verified. 

Disputed Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/year> I called affirm as my account got frozen and the app told me to call them to unfreeze my account. Unfortunately, they told me that my account is not eligible to be recovered and that I will not be liable for any outstanding loan anymore. That is after years of using them and them telling me now that they could not verify my identity. Then upon checking my bank account on XX/XX/year>, I got charged XXXX by affirm for my previous payment which they told me I was not liable anymore. I called them up again and they told me to wait for the charges to be posted before calling them again for it to be reversed. It got posted on XX/XX/year> and I called them again. This time, they told me they could not locate the account and could not reverse the charges made to my bank. They then told me to contact the merchant if they will provide a refund. The merchant will obviously not do that as they already sent the product and my loan is with Affirm. I told affirm I am happy to pay the loan as long as they restore my account, but they told me they could not do anything about my account and they could not reverse the charges made to my bank after they told me on XX/XX/year> and XX/XX/year> that I will not be liable for making payments on the existing loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
XX/XX/XXXX I received a treasury check in the amount of XXXX. I use chime bank also known as XXXX XXXX. I have had an account with them since about XXXX. I have direct deposit set up so I get my checks no weekly. Chime advertisement is they offer early payday. In the past when I have deposited checks it is normally available within a day or XXXX. This time it stated that funds would be available XX/XX/XXXX. My issue is I deposited my check at around XXXX. So having to wait six additional days is a huge red flag. Chime needs to add a warning to customers that if they use the bank deposit feature on the app that it could take six days to process. There is no option to cancel. There is also no option for partial funds to be available. My other issue is chime doesnt have a walk in location for customers. So you can only speak by phone or text. I spoke to three different representatives and no one could answer my question as to why it take six days to clear a treasury check. I was told my funds were being held for my own protection and security purposes. I asked exactly what those security measures were and was refused information. I dont work for chime chime works for me. So to not be able to give me the customer a clear explanation for what reason my check would take six days to clear is a huge red flag. This is my money and my funds and I should have a explanation on why it would take nearly a week in todays economy for them to deposit my check when it could have been cashed at a currency exchange or XXXX XXXX and I could have received my funds immediately. So exactly why does it take a bank six days to process my funds immediately. Customer service was rude and unwilling to answer my questions on the security measures being used and why they are taking over five days to process my deposit. They avoided my questions and ended the chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/year>, my XXXX bank account was compromised, and a fraudulent wire transfer was sent to an account held at Navy Federal Credit Union. I did not authorize or initiate this transaction. 

After discovering the unauthorized wire, I immediately reported it to XXXX and contacted Navy Federal to request that the funds be frozen or returned. Despite my timely report and documentation, the funds wired to the Navy Federal account were not recovered. 

I believe Navy Federal should have taken steps to identify and restrict the suspicious inbound transaction once it was reported as fraudulently initiated. This inaction contributed to the loss of my funds. 

I am a Navy Federal Credit Union member, and my XXXX account was compromised in a fraud incident that resulted in a wire transfer being sent to another Navy Federal account without my authorization. 

Wire Transfer # XXXX Amount : {$50000.00} Recipient name : XXXX XXXX Recipient account number : XXXX Recipient address : XXXX XXXX XXXX XXXX, XXXX  XXXX Receiving bank : Navy Federal Credit Union Wire routing number : XXXX Bank name : NAVY FEDERAL CREDIT UNION Bank city & state : XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The credit company Equifax has been unable to change my legal name and attach my previous names credit to my current names report. It states that I have no credit for either names now. I have submitted several disputes without the problem being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am filing this complaint against Midland Credit Management , Inc. ( MCM ) for their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

MCM is reporting a collection account on my credit report that does not belong to me. Over the past three months, I have mailed multiple written dispute letters to Midland Credit Management at their Midland Credit Management , Inc . 
XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX Midland Credit Management , Inc . 
XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX address requesting verification and validation of the alleged debt. 

MCM has not responded or provided any documentation validating that I owe this debt. This is a direct violation of both the FDCPA ( 809 Validation of Debts ) and the FCRA ( 611 Procedure in Case of Disputed Accuracy ). 

Additionally, they continue to report the account to the major credit bureaus ( XXXX XXXX XXXX XXXX ), causing harm to my credit profile and financial standing. 

I am requesting that the CFPB investigate Midland Credit Managements failure to : Respond to my written dispute and validation requests. 
Correct or delete inaccurate credit reporting information. 
Cease further collection or reporting activity until the debt is properly validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
I am submitting this follow-up complaint regarding fraudulent information on my credit report that remains unresolved, despite my previous complaint filed 30 days ago. I am disputing this information pursuant to 15 U.S.C. 1681c-2 and again request that the fraudulent/unauthorized accounts listed below be blocked or removed immediately. 

I have attached a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 

Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days of receiving an identity theft report. However, despite my prior complaint and multiple attempts to resolve this issue directly with TRANSUNION, the following fraudulent accounts remain on my credit report : XXXX XXXX  XXXX - XXXX These accounts are fraudulent and must be blocked immediately. The continued presence of these accounts is severely damaging my creditworthiness and is preventing me from purchasing a home and accessing essential financial services to support my family and economic stability. 

I have requested verification and copies of contracts related to these accounts from the reporting company, but after more than 60 days, I have received no response. Additionally, these accounts have been removed by other credit reporting agencies due to lack of verification, yet TRANSUNION continues to report them as mine without proper validation. 

I respectfully urge the CFPB to intervene and ensure that TRANSUNION complies with federal law by blocking these fraudulent accounts immediately and providing me with confirmationofsuchaction.

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 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: MD

Complaint narrative:
US Bank account number XXXX I have been told after my vehicle was a total loss. The Gaap coverage did not pay out the remaining amount. US bank is reporting me late and stating I still owe them XXXX. XXXX XXXX  is the Gap coverage provider Case # XXXX. Net Lien Payoff Lien Payoff at Date of Loss {$47000.00} A. Sub Total {$47000.00} B. Insurance Settlement Insurance Claim - {$29000.00} Insurance Deductions - {$1200.00} B. Sub Total - {$30000.00} C. Compensations Deductible Reimbursement {$1000.00} XXXX. Sub Total {$1000.00} D. Adjustments Payment Adjustment {$17000.00} D. Sub Total {$17000.00} GAP Claim Payment Amount ( A+B+C+D ) {$34000.00}

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 2025-11-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the following items on my Experian credit report, as they are inaccurate and may not be in compliance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in dispute : Charged Off Accounts : XXXXXX/XX/XXXX Account Number : XXXX Date of Charge-Off : XXXX Amount : {$4900.00} XX/XX/XXXXXXXX Account Number : XXXX Date of Charge-Off : XXXX Amount : {$10000.00} XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XXXX Amount : {$5200.00} In accordance with FCRA XXXX ( b ), I respectfully request verification of these accounts. If this information can not be verified with proper documentation, I request the immediate removal of these entries from my credit report. 

Late Payments : XXXX BANK 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
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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