vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
I am writing to discuss my concerns on unauthorized transactions and scam like transactions through CHIME. Despite using CHIME on numerous occasions and reporting discrepancies. My financial institution through CHIME failed to investigate my claims and closed my account with funds and I was never able to receive back. CHIME not only have findings that indicate neglect to protect consumers and allowed repeat offenders to exploit accounts and use the system with scams and unreclaimed funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: CO

Complaint narrative:
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Charge-Off : XXXX XXXX XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: CO

Complaint narrative:
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Charge-Off : XXXX XXXX XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt 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 2025-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
ID theft. Credit card and a car loan was taken under my SSN. All has remove the bad credit reporting except Kohl 's.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: MD

Complaint narrative:
On XX/XX/year>, due to a lapse in appropriations, the federal government shutdown. As a federal government employee, I have been affected due to being furloughed and no longer receiving pay. 

On XX/XX/year>, I called Sallie Mae to request assistance because I knew I would be unable to pay on my loan on XX/XX/XXXX. On the XXXX, my loan was XXXX days past due. On the same day, due to my circumstances, I was able to qualify for and apply for a special forbearance. The agent on the phone processed this application over the phone and told me that I did not need to do anything further. 

On XX/XX/year>, I received notice that my loan was still accumulating late days past due, and risk of being reported to the credit bureau. In an effort to get clarification, I reached out to Sallie Mae. During my first call, I spoke with an agent ( XXXX ) who was rude and stated that she did not see any application for forbearance on my account. I again called back several minutes later in an attempt to reach a different agent. This time I spoke with an agent ( XXXX XXXX who informed me that the forbearance was processing and that she would escalate my case but that it was showing up on my account. She explained that I should not be reported to the credit bureaus because of the forbearance processing. 

I again called Sallie Mae on XX/XX/year>, to see if the forbearance was completed being processed. To my surprise, it still had not been completed. When attempting to seek more clarification, the agent I spoke with did not have any answers and proceeded to place me on an indefinite hold for more than XXXX minutes. 

On XX/XX/year>, I was notified that Sallie Mae updated account information with Experian to note that my account was XXXX days past due. This false reporting caused my credit score to drop over XXXX points. 

On XX/XX/year>, I again called Sallie Mae to inquire what was going on with the forbearance and why it wasnt applied. The agent said it was still being processed but provided no further insight. 

Not only has the negligence of Sallie Mae caused me financial harm and emotional distress, but the information they are reporting is incorrect. It is clearly notated in my file that I applied for and was approved for forbearance, and this is not Sallie Maes first time helping or dealing with a government shut down. Furthermore, I have had forbearances applied to my accounts and it has NEVER taken this long to complete.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: GA

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has failed to comply with its legal obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information upon a consumers request. I formally requested this information, including the name and contact information of the furnisher, the identity of the individual the agency communicated with, and the documentation relied upon to verify the accuracy of the disputed account. However, the agency failed to respond within the XXXX period required by law. This failure to provide the requested details constitutes a violation of my rights under the FCRA.

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 2025-10-08 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: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 2025-10-08 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC
State: OK

Complaint narrative:
( XXXX ) A company calling itself XXXX contacted my mother about an alleged old debt I supposedly owe to Acima. They disclosed details about the debt to her, which is not permitted under the FDCPA. When I called them, they refused to provide any written notice, mailing address, or state of incorporation, only saying they were XXXX. 

( XXXX ) Previously, another collector casually attempted to collect on this same debt. I had requested SCRA protections and sent a written debt validation request, but they denied my SCRA benefits and never provided the validation. Now XXXX claims they own the debt and have threatened to sue me, but they refuse to provide the original contract, account history, or any proof that they have the legal right to collect. 

I am an active-duty servicemember and have formally requested my rights under the Servicemembers Civil Relief Act ( SCRA ), but XXXX has refused to apply them. They are attempting to collect without providing the required disclosures, without validating the debt, and while violating my SCRA rights. 

I believe XXXX is violating the FDCPA ( debt validation, third-party disclosure, failure to provide required notice ) and the SCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Volvo Car Financial Services U.S., LLC
State: CA

Complaint narrative:
This is a new complaint attached to a previously submitted complaint number XXXX There are extensive additional issues since the time of that unresolved complaint. 

The lender initiated default, repossession, and sale proceedings after failing to process a total-loss termination and insurance claim in good faith, imposed unauthorized impound and deficiency charges, and refused to provide documentation or proof of default. The complaint concerns mismanagement, improper billing, and unlawful debt collection under a breached lease agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
THIS ACCOUNT WAS CHARGE OFF ON XX/XX/year> BUT IS NOW SHOWING UNDER CREDIT CARD AND CREDIT LINE BY LAW CREDITOR ARE REQUIRED BY FEDERAL LAW TO GIVE THE DEBTOR A XXXX XXXX  FORM I NEVER RECEIVE XXXX. CODE 15USC1692-C

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: Simpson Law Firm, P.A.
State: MS

Complaint narrative:
I am filing this complaint because a debt collection attorney filed a lawsuit and obtained a judgement against me without properly notifying me of the case or serving me with a subpoena. I never received any notice or documentation regarding this debt until after the judgement was entered in court. 

Once I discovered the issue, I immediately filed a Motion to Set Aside Judgement with the XXXX XXXX XXXX XXXX and mailed certified copies of the filed documents to the attorney by first-class mail with signature confirmation. I have not received a response. 

This improper legal action has resulted in a lien or judgement appearing on my record, which is now preventing me from closing on my approved mortgage loan with XXXX XXXX XXXX XXXX. My mortgage lender has advised that the judgement must be cleared or corrected before the loan can proceed to closing. I am requesting the CFPB 's assistance in reviewing this matter and ensuring that the company and its attorney follow proper legal and notification procedures, remove or correct the wrongful judgement/ lien XXXX and cease any further collection activity until the issue is resolved. 

I respectfully ask that CFPB confirm whether action taken by this company and its representatives complied with both state service requirements and federal debt collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
For the past XXXX months, I have been disputing an inaccurate and misleading late payment reported by XXXXXXXX XXXX  for XX/XX/year> on my mortgage account ending in XXXX. Despite repeated correspondence, XXXXXXXX XXXX failed to properly investigate and correct this error. 

To my shock, upon reviewing my updated credit report in XX/XX/year>, I discovered that instead of removing the false XX/XX/year> late payment, XXXXXXXX XXXX added a new, previously nonexistent late payment entry for XX/XX/year>. This new derogatory mark was never present on my credit reports before and appeared only after my dispute of the XX/XX/year> error. 

This is a serious and unlawful action. I have documentation including credit reports from before and after the change clearly showing that no XX/XX/year> delinquency was ever reported until after I challenged the earlier inaccuracy. My mortgage statements confirm that my payments were made as agreed, and there was no delinquency in either XX/XX/year> or XX/XX/year>. 

This behavior constitutes a misleading modification of credit data, seemingly in retaliation for exercising my right to dispute under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX conduct has severely damaged my credit profile and is both erroneous and deceptive.

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 2025-10-08 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MD

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-10-08 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-08 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation