vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
Improper debt collection lawsuit No notification, no validation, unfair credit damage I am being sued by Velocity Investments , LLC for a loan that was originally opened with XXXX XXXX XXXX XXXX. 

I made regular payments on time through XXXX and early XXXX. However, in XXXX, XXXX suddenly closed the account without notifying me of any transfer or who the new creditor was. I was never given instructions on where to continue making payments. 

Because of that, my credit report now shows late payments that are incorrect, since the failure to pay came only after XXXX failed to inform me of any change or contact information. 

To make matters worse, Velocity Investments never contacted me no letters, no calls, and no attempt to validate or collect the debt before filing a lawsuit against me. 

This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). I was denied my right to validate the debt, resolve it, or even understand what happened. 

My credit report now shows the original account as charged-off with a {$0.00} balance, which adds more confusion. 

I respectfully request that the CFPB investigate this collection abuse and hold both parties accountable, and Velocity investments, dismiss this case in court and desestimate this debt because I didn't receive any proof that they bought this debt from XXXX actually I had to check in all my credits reports to verify what it this about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
b'We have researched the credit account. Account # - XXXX The results are:   WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED: *ADDITIONAL INFORMATION *CLOSED DATE *BALANCE *ACTUAL PAYMENT *TYPE OF ACCOUNT *STATUS *DATE OF LAST PAYMENT.   If you have additional questions about this item please contact: XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX  : XXXX Account Number Date Opened High  Credit Credit Limit Terms Duration Terms Frequency Months Revd    Activity Designator Creditor Classification XXXX XXXX XXXX  Date of Last Reported Update Balance Amount Amount Past Due Date of Last Payment Actual Payment  Amount Scheduled Payment  Amount Date of 1st Delinquency Date of Last Activity Date Maj Del. 1st Rptd Charge Off Amount Deferred Pay Start Date Balloon Pay Amount Balloon Pay Date Date Closed XXXX XXXX XXXX XXXX XXXX Status Type of Account Type of Loan Whose Account Portfolio Indicator Portfolio Status Open Utility Company Individual Account           ADDITIONAL INFORMATION: Consumer Disputes - Reinvestigation in Process          Collection Account'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Management Services, LP
State: CA

Complaint narrative:
b'Capital management services sending bills previously paid to XXXX  credit card\nXXXX XXXX XXXX XXXX XXXX\nXXXX NY 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 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NH

Complaint narrative:
I have been a member of chime since XX/XX/year>. I have used them frequently as my main banking source and have never had an issue. Ive worked the same job for seven years where I am paid weekly by XXXX XXXX XXXX. I receive direct deposits every week Thursday by my employer I have never had fraudulent issues. Ive never used my card for legal purposes. I use my debit card just as anybody else does I occasionally receive deposits from my aunt for my XXXX sons as I also am suffering from XXXX XXXXXXXX XXXX again nothing illegal has ever been done. My card has never been misused as of today. My check was deposited for {$670.00} hours later I was notified all of my chime accounts were closed and I was no longer able to access my money. Ive called customer service multiple times and they will not tell me why my account was closed. Only that I didnt comply with their policy and that I am not eligible for a refund of the money that was in my account I am completely devastated and Im no longer able to pay my rent. Buy food for my kids or pay for my medication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Pursuant to my rights under federal consumer protection laws including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am formally disputing the completeness and accuracy of multiple items on my credit report dated XX/XX/year>. 

I am writing to formally dispute the accuracy and validity of several accounts listed on my credit report as generated on XX/XX/year>. This letter is sent in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Please note that I am exercising my rights to request reinvestigation and correction under FCRA 611, which requires a full and proper investigation within 30 calendar days of receipt of this dispute. If the information can not be fully verified by the data furnisher, it must be deleted from my report.

Additionally, please confirm that all furnishers comply with FCRA 623 ( b ) in their reinvestigation process. I request to be provided with the names, addresses, and results from all furnishers contacted as part of your reinvestigation.

This letter serves as my formal written dispute. I respectfully request an updated copy of my credit report reflecting any changes made as a result of your investigation.

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 2025-06-05 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:
In accordance with the Fair Credit reporting Act. The list of accounts below have violated my federally protected consumer rights and privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX- {$260.00} XXXX XXXXXXXX - {$980.00} XXXX  XXXX - {$350.00} Dept Ed XXXX {$3000.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX  - {$960.00} XXXX XXXX - {$14000.00} 15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C 1681 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, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
b'The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account # - XXXX The results are:   WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED: *ADDITIONAL INFORMATION *CLOSED DATE *ACTUAL PAYMENT *ACTIVITY DESIGNATOR *HIGH CREDIT *CHARGE OFF AMOUNT *STATUS *DATE OF LAST PAYMENT *ACCOUNT HISTORY.   If you have additional questions about this item please contact:  XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX  Phone: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX : XXXX Account Number Date Opened High  Credit Credit Limit Terms Duration Terms Frequency Months Revd    Activity Designator Creditor Classification XXXX XXXX XXXX XXXX Monthly 44 Transfer/Sold Date of Last Reported Update Balance Amount Amount Past Due Date of Last Payment Actual Payment  Amount Scheduled Payment  Amount Date of 1st Delinquency Date of Last Activity Date Maj Del. 1st Rptd Charge Off Amount Deferred Pay Start Date Balloon Pay Amount Balloon Pay Date Date Closed XXXX XXXX XXXX XXXX XXXX XXXX  Status Type of Account Type of Loan Whose Account Portfolio Indicator Portfolio Status Charge Off Revolving Credit Card Individual Account           ADDITIONAL INFORMATION: Consumer Disputes After Resolution          Charged Off Account         Account Transferred or Sold        Credit Card'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
b'We have researched the credit account. Account # - XXXX The results are:   WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED: *ADDITIONAL INFORMATION *HISTORICAL ACCOUNT INFORMATION.   If you have additional questions about this item please contact:  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Account Number Date Opened High  Credit Credit Limit Terms Duration Terms Frequency Months Revd    Activity Designator Creditor Classification XXXX XXXX XXXX XXXX  Months Semi-monthly 32 Date of Last Reported Update Balance Amount Amount Past Due Date of Last Payment Actual Payment  Amount Scheduled Payment  Amount Date of 1st Delinquency Date of Last Activity Date Maj Del. 1st Rptd Charge Off Amount Deferred Pay Start Date Balloon Pay Amount Balloon Pay Date Date Closed XXXX XXXX XXXX XXXX XXXX XXXX Status Type of Account Type of Loan Whose Account Portfolio Indicator Portfolio Status Over 120 Days Past DueInstallment Auto Individual Account           ADDITIONAL INFORMATION: Auto          180 Days or More Past Due         Fixed Rate'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
I had a student loan account with Mohela that was transferred to XXXX. My employer makes a certain contribution to my loan every month so as at XX/XX/year>, when my account was transferred from Mohela to XXXX, they made a contribution to my Mohela account which was supposed to transfer to XXXX. 

I noticed that the XXXX payment has not been reflected in my current account with XXXX. 
Called my employer and they confirmed Mohela received the payment. 
Called Mohela and they mentioned that my payments were transferred to XXXX but when I called XXXX they mentioned that they hadnt received any payments. Its been over 4 months now and I dont know who is lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report please remove the accounts from my report, they are hurting my ability to obtain 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 2025-06-05 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-06 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: TX

Complaint narrative:
The collection agency has made threatening remarks and attempted to coerce payment through intimidation. I have documented these instances. Such conduct violates FDCPA 806.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: ND

Complaint narrative:
Back in XXXX I got my wallet stolen at a XXXX and there were 3 credit cards opened under my name that were not mine. I have had to dispute every card and o ly one remains now which is a store card opened at XXXX XXXX. I had previously disputed this and on 2 credit bureaus they removed the card as fraudulent. I am trying to remove it from all and I made an FTC to report the fraudulent account, I sent a copy to the debt collector and Comenity letting them know of the fraudulent account. On XX/XX/XXXX Comenity responded without attaching any of the requested documents and stated in their letter that according to their opinion it was my debt because information found on my credit report matched what they had at the time the account was opened. This is not sufficient evidence as the documentation i requested has not been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
About a XXXXXXXX XXXX from a guy in XXXX XXXX with my Chase debit card I did that way just in case something like what happened would happen and I could call back the money I'm sure enough it did the guy charged me {$900.00} more I don't know why I didn't see it and the guy didn't give me the pink slip the car was towed away because I parked in it that's what I called the guy because he didn't have the pink slip and told him to go put the car in my name so I could get it out cuz of about 110 miles away from him he didn't do it and as far as I'm concerned he had gotten the car he's got the pink slip and he got my money and {$900.00} more I told the bank that he overcharged me {$900.00} too they didn't do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: MD

Complaint narrative:
XXXX XXXX is reporting a personal loan account with a charged-off balance that was included in bankruptcy. I am submitting my FTC Identity Theft Report and passport ID under FCRA 1681c-2. This account is being furnished without identity verification or legal authorization. XXXX has not complied with its obligations under FCRA 1681e ( b ), 1681s-2 ( a ), or 1681s-2 ( b ). The information is inaccurate, harmful, and disputed under federal identity theft law. This account must be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: AZ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: IN

Complaint narrative:
Please understand that this complaint is not made lightly. There are errors on my credit report that are causing me ongoing distress and hardship. These are already difficult times, and the emotional and financial toll is significant. I would be incredibly grateful if these inaccuracies could be addressed and resolved.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account listed that I do not recognize and have never opened. This account is completely unfamiliar to me, and I have no connection to it.

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