vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Chime Financial Inc
State: NY

Complaint narrative:
Account opened in XX/XX/year> never had knowledge of it never opened without my authorization Chime financial secured credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: MN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Experian 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Experian to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Experian responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Experian for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX XXXX  who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Experians refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Experian fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Experian be held accountable for the injury and distress they have caused.

I am attaching supporting documents, including copies of my dispute submission and Experians stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent 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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am disputing the inaccurate reporting of a Capital One credit card account ending in XXXX. Although Capital One has provided a written letter confirming a {$0.00} balance, my credit report still shows a balance owed after the account was closed on XX/XX/year>2025. 
There were two returned payments prior to the account closure, which I acknowledge. However, Capital One issued three returned payment notices, including one for {$210.00} on XX/XX/XXXX after I had already submitted and posted a successful payment of {$250.00} that same day. This payment cleared the account, but the reporting still shows a balance. 
Additionally, Capital One 's system restricted me from making payments before my XX/XX/XXXX statement was generated, and on XX/XX/XXXX, my account showed a {$0.00} balance owed. I believe this restriction was misleading and may have been intended to increase the reported statement balance. 
My other Capital One account ending in XXXX, which was closed and paid at the same time, is being reported correctly. This inconsistency further highlights the error. 
The account was never delinquent, my due date wasnt until XX/XX/XXXX, and I have never missed a payment. Despite all of this, my credit score dropped by over XXXX points, which has significantly affected my ability to secure housing. 
Capital Ones customer service has been unhelpful and at times misleading. Im requesting that the reporting be corrected to reflect a {$0.00} balance and that the account was closed in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: MI

Complaint narrative:
I opened a new checking account with Netspend on XX/XX/year>2025. It is advertised that the {$200.00} bonus will be posted to my account within 5 business days after {$400.00} Direct Deposit is made to my account within 60 days of account opening. Part of my salary ( {$400.00} ) was made to my Netspend account on XX/XX/scrub>/2025, but I still have not seen my {$200.00} bonus yet.

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 2025-08-16 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: American Credit Acceptance, LLC
State: NV

Complaint narrative:
auto info is being reported incorrectly. i was also told by the company that if i entered into a payment plan I would not recieve any late payment marks on my credit report. Despite this, late payments are being reported which is inaccurate and misleading. This has negatively impacted my credit and does not reflect the agreement given.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: PA

Complaint narrative:
Consumer Reporting Agencies play 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. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. 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. Code 1692f, 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. Code 1692e, 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. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$170.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$110.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$180.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$87.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$450.00} Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-17 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: PA

Complaint narrative:
Consumer Reporting Agencies play 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. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. 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. Code 1692f, 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. Code 1692e, 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. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$170.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$110.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$180.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$87.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$450.00} Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am currently in need to {$5200.00} to prevent eviction, {$10000.00} to pay ALL loan debt, and approximately {$8500.00} to purchase a used vehicle. I want to increase my credit score from XXXX to qualify for a used vehicle. I also have {$1500.00} in XXXX  debt which I am going to court for XX/XX/year>. A recent XXXX  charge which I received today XX/XX/year>. This crisis is so overbearing that I have not been a good mental state. Wanting to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: MA

Complaint narrative:
I am filing a complaint regarding inaccurate late payments reported by XXXX XXXX XXXX XXXX to TransUnion/ Equifax/Experian on my credit report. I dispute the accuracy of these late payments and request full verification. 

I am requesting a copy of the payment history ledger or internal records from XXXX XXXX XXXX XXXX showing how these late payments were verified before being reported to TransUnion. I need to know how they proved these payments were late using their internal records.

Under the Fair Credit Reporting Act ( 15 USC 1681i ), I have the right to dispute inaccurate or unverifiable information on my credit report. Additionally, under 15 USC 1681s-2, creditors are required to provide accurate information and correct errors they discover. Reporting late payments without proper documentation violates these provisions. 

If XXXX XXXX XXXX XXXX can not provide the requested verification, they are legally obligated to delete these late payment entries from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: S & S Recovery, Inc.
State: TX

Complaint narrative:
I am filing this complaint against S & S Recovery , Inc., who is attempting to collect an old account from me and has reported inaccurate information to the credit bureaus.

Re-Aging of Account ( Illegal Date Manipulation ) : S & S Recovery has furnished an incorrect Date of First Delinquency ( DOFD ) to the credit bureaus, effectively re-aging the account to make it appear newer than it is. This is a direct violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c ), which limits reporting to 7 years from the XXXX, and of XXXX XXXX compliance standards, which prohibit altering the XXXX. 

FDCPA Violations ( Deceptive Collection Practices ) : By re-aging and misrepresenting the account date, S & S Recovery is engaging in a false, deceptive, and misleading representation in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e ). If the debt is time-barred, this conduct is an attempt to unlawfully revive collection activity.

Failure to Provide Proof of Right to Collect in Texas : When requested, S & S Recovery failed to provide : A purchase order/assignment agreement proving ownership or assignment of the account.

Proof of a valid Texas debt collection license.

Proof of the required surety bond filed with the Texas Secretary of State, as mandated by Texas Finance Code 392.101.

This suggests they may be illegally collecting debts in Texas without proper authorization or bonding.

Current search shows the company is only allowed to collect in 7 states and Texas is not 1 of 7. 

A certified letter was received on XX/XX/XXXX, 2025.. 

Please see below tracking information sent to notify the company of the dispute. 

Your item was delivered to the front desk, reception area, or mail room at XXXX XXXX  on XXXX XXXX, 2025 in XXXX, TN XXXX. I am expecting resolution and deletion within 30 days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am filing this complaint because my JPMorgan Chase accounts are being reported inaccurately and are subject to improper collection activity despite a documented settlement. 
On XX/XX/year>, XXXX XXXX XXXX confirmed a settlement on XXXX Chase account for 60 % of the balance. Despite this, my credit reports still show the account as charged-off with a balance due instead of settled for less than full balance/ {$0.00} balance. 
On XX/XX/year> XX/XX/year>, my settlement representative sent multiple communications and offers directly to XXXX XXXX XXXX XXXX ( the collection law firm ). Their own internal notes and emails show they received this information, but they later told the court they had no knowledge of negotiations. This appears to be a misrepresentation. 
My credit reports show conflicting balances, inconsistent charge-off dates, and duplicate reporting. For example, Chase still reports a balance while a third-party collector/law firm also attempts to collect on the same account. Some bureaus report different Date of First Delinquency, which could indicate unlawful re-aging of the debt. 
I requested validation of the account, proof of assignment/chain of title, and correction of my credit reports. Instead, I received a response from Resurgent Capital stating they could not locate the account, which does not resolve the inaccuracies. 

These actions violate the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2 ) for failure to accurately report and reinvestigate, and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ) for misrepresentation in collection activity. 

Harm : My credit has been damaged, I have been pursued in court for a debt that was already resolved, and I continue to suffer financial and emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I had a collection out on my credit report for an old apartment I live in called XXXXXXXX XXXX XXXXXXXX. I terminated the lease early due to a XXXX XXXX  situation and was told they would not charge me anything since their lawyers thought it was unjust. Now I am seeing a fee on my report for XXXX dollars. I have been provided no verification or proof or reason why of this. This appeared in XXXX underneath national credit system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2025, I submitted a formal request to Equifax to block fraudulent accounts under Section 605B of the Fair Credit Reporting Act ( FCRA ). I provided all required documentation, including my Official Federal Trade Commission Identity Theft Report # XXXX. 

Under federal law ( 15 U.S.C. 1681c-2 ), credit reporting agencies MUST block fraudulent information within 4 business days of receiving an FTC report . Over 30 days have passed and the following fraudulent accounts remain on my Equifax credit report : XXXX - XXXX XXXX - XXXX This direct violation of federal law by Equifax continues to damage my credit score, resulting in : Credit and loan denials Higher interest rates when approved Inability to refinance my mortgage Rental application denial Higher insurance premiums I have sent follow-up letters to Equifax and the agency has failed to comply with its legal obligations under the FCRA. I request that the CFPB investigate this violation by Equifax and enforce immediate compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: CarMax, Inc.
State: FL

Complaint narrative:
Complaint Against : [ Credit Bureau : XXXX  ] [ Creditor CARMAX finance ] Issue : Illegal re-aging and inaccurate reporting of a repossession account. 

Details of Complaint : I am filing this complaint because [ CARMAX AUTO FINANCE ] and [ XXXX  ] are reporting an auto repossession account that was closed years ago as if it is a newly opened account. This is an inaccurate and misleading representation of my credit history. 

The account in question was originally opened on [ XX/XX/2016 ] and closed/charged off after the repossession on [ XXXX XXXX ]. However, it has been re-aged and is now showing as opened again on [ XXXX XXXX ], which is factually false and a violation of the Fair Credit Reporting Act ( FCRA ). 

Violations : FCRA 605 ( a ) : Prohibits reporting accounts beyond 7 years from the original delinquency date. Re-aging to extend reporting time is illegal.

FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits furnishing inaccurate or misleading information to a credit bureau.

FCRA 607 ( b ) : Requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

Company response to consumer: Closed with explanation