vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: PA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Armada Corp.
State: WA

Complaint narrative:
The account was sent to XXXX XXXX for collection. After being aware about it I called XXXX and was made to understand that it involved my accident in XX/XX/XXXX. I called the XXXX XXXX XXXX and the amount was paid through XXXX XXXX with a XXXX as XXXX said they are not paying XXXX XXXX After that payment XXXX said am still owning over {$600.00} which I did not. After calling XXXX XXXX I was able to get the receipts of the balance of {$190.00} to be cleared which I paid with a XXXX of {$220.00} and the balance {$28.00} as interest paid. XXXX XXXX accepted the XXXXXXXX and was posted in my XXXXXXXX XXXX account on XXXX XXXX. I do understand from XXXX XXXX that an advise had been sent to XXXX regarding all the payment and acknowledging XXXX balance. But XXXX is requesting for interest to paid to them after I paid interest to XXXX XXXX and it was accepted. Now XXXX XXXX is updating my credit report and not including XXXX XXXX as original Creditor name but using XXXX XXXX which is totaling accepted. I dispute both XXXX and XXXX on XX/XX/XXXX XXXX XXXX removed it on XX/XX/XXXX but was put back in XX/XX/XXXX when XXXX updated my credit on XX/XX/XXXX. XXXX said Unfortunately, we did not receive dispute results for this account. To ensure that you have the most complete and up to date information, please visit XXXX Which I did not understand. Please review this detail and contact XXXX XXXX for more info on my XXXX balance with them. I do understand that CFPB has remove XXXX of medical below certain amount and I have paid everything with interest. Most of the bill receipts time frame may be due to my moving in XX/XX/XXXX in XXXX and could it receive the bills but am happy that it is paid off as it is my responsibility to see that all are paid to ensure the smooth operations of the XXXX XXXX continued services to the community they serve..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
b'Not mines never seen these before need removed XXXX  (Finance)\nXXXX XXXX XXXX\XXXX  (Finance)\nXXXX XXXX XXXX\nXXXX (Finance)\nXXXX XXXX XXXX\nXXXX XXXX (Auto)\nXXXX XXXX, XXXX\nXXXX XXXX (Auto)\nXXXX XXXX XXXX\nXXXX (Bank)\nXXXX XXXX XXXX XXXX XXXX (Finance) XXXX XXXX XXXX not mine!'

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 2025-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: NV

Complaint narrative:
I acquired a loan for a XXXX XXXX XXXX XX/XX/XXXX with payments of {$620.00} due on the XXXX of the month. In XX/XX/XXXX and XX/XX/XXXX I put payments in for {$700.00} each time on the beginning of the month to post on the XXXX of the month. I would go back in and see they were deleted. The agent told me it automatically drops after 10 days even though it gives us the option to post date it. In XX/XX/XXXX I went in and they zapped {$700.00} one week and an unusual amount around {$500.00} a w eek later without my authorization. In XX/XX/XXXX I decided to send my payments through XXXX XXXX  XXXX XXXX and they never received it. I called and was told by an agent to call my bank and I did. The Credit Union was the one to send the payment so they called and Carmax auto finance refused to talk to them and wanted to talk to me in which I had already tried to talk to them. Today I log in and the payment I posted on the carmax site for {$620.00} the first week of XXXX to go out asap disappeared and I have another late payment. I believe carmax is trying to hustle late fees and destroy my credit so I can not get refinanced elsewhere! I want this to stop or get rid of the carmax payment site!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was made aware of several accounts that are not mine, that are being listed on my credit report. I want these removed from my report as they are not my accounts and I did not open them. I had an ex boyfriend that I believe is the one that opened these things up and messed up my stuff. I remember finding pictures of my ID on his phone and wondering why that would be there. I need your help to remove these fraudulent accounts from my credit report. Thank you so much.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ilooked at my credit reports and noticed accounts on my reports that i didnt open.

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 2025-07-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX Date : XX/XX/year> To : Southwest Credit Systems Subject : Request for Deletion of Collection Account Under FCRA To Whom It May Concern : I am writing regarding a collection account reported on my credit file associated with XXXX XXXX XXXX XXXX ( or your agency ), Account Number : [ Insert Account Number ]. 
Under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), I have the right to dispute any inaccurate, outdated, or unverifiable information on my credit report. I am formally requesting that you verify this debt and provide documentation of the validity of the account and your legal authority to report it. If you can not verify the accuracy of this information, you are obligated to delete it from all three major credit bureaus ( XXXX, XXXX, and XXXX ). 
Furthermore, if this account has already been paid, settled, or otherwise resolved, I request that you consider removing it as a gesture of goodwill. This collection account is damaging my credit and does not reflect my current financial responsibility. 
Please provide written confirmation of deletion from all credit reporting agencies, or proof of verification, within 30 days of the receipt of this letter, per FCRA requirements. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Changes in terms mid-deal or after closing
Company: Nelnet, Inc.
State: TX

Complaint narrative:
i got a loan from XXXX  student loans for {$8200.00} with a First Disbursement Date XX/XX/year>. They closed their program and now a new lender called first mark has been billing me and i have been paying and now owe {$10000.00}. I think this is fraud as i now owe more than i borrowed as i just got out of XXXX  and i feel scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: NC

Complaint narrative:
There was a glitche a little while back in which my account was affected and glitched.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
COLUMBIA DEBT RECOVE Original creditor reported a debt for {$190.00} for XXXX and I don't know why and with whom but apparently they been on my credit for 4yra I disputed the company and they are still on XXXX  account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year> I made a payment to my mortgage company for XXXX. My yearly home owner insurance was to be paid from this payment. I noticed on XX/XX/year> that the payment had not been paid. On XX/XX/year> I soon discovered that the money was removed from my checking account and placed on my car note that was due on XX/XX/year>. My mortgage payment was intentionally held so that they could remove money from my checking account to pay my auto loan financed through Vystar. I have a XXXX  day grace period, in addition, I intended on paying my auto loan later in the month. I had been home with my sick aunt who recently was diagnosed with XXXX. I feel violated. They also further accosted the injury by including a XXXX return charge fee. Im questioning the tactics that Vystar is currently using. A year ago, the same incident occurred when they removed my sons entire XXXX check and a portion of my line of credit to pay my XXXX auto loan that was XXXX weeks past due. It was still within the month, and was current at the time. I feel as if the rambunctious actions of this credit union is a violation of my rights and I am being treated unfairly. I would like this matter looked into further.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/year>, I was notified of a new account appearing on my credit report by XXXX. I looked at the account, and it was listed as " Chime/XXXX '' It states on my report that this account was opened on XX/XX/year>, but I never requested to open a chime bank account. My credit has been on a freeze with all XXXX credit bureaus for years, from a prior ID theft issue. There was no inquiry made against my credit, and the account was still able to be opened. A dispute is open with XXXX. I have not seen the account appear on my other credit reports yet. I also called the number on the credit report listing for the account and was directed to a scam line trying to sell promotional medical fall alert devices. I then had to XXXX the Chime customer service line and call them directly ( XX/XX/year> ). I verified with Chime that there was an account opened in my name, which is fraudulent. The account was closed and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-19 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: GA

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. 

Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc.
State: CA

Complaint narrative:
Over 6 Months, Ive Been Demanding For My Refund From BLOCKCHAIN. They Keep Giving Exuses About My Money Currently {$10000.00}. I Have Bills To Pay And Things To Get Sort With Money, Ive Been Texting Them ( BLOCKCHAIN ) Over 6 Months For My Refund But They Refuse To Send It To Me. Anytime I Send A Message/Complain, They Keep Spamming Me With The Same Excuses Over 6 Months Now. This The Reason Why Id To Come Here To Make Submit My Complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2025-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
To whom it may concern : this response is for the assumption that a vehicle that was ( voluntarily surrendered ) for not being able to continue making regular payments because of job employment changes. Determined by the finance department that I am responsible for a vehicle I no longer have isnt feasible. Nevertheless any corespondents or information can be forwarded to my attorney listed below. 


Exeter Finance LLC account is now owned by XXXX XXXX XXXX XXXX XXXX, a debt collector. 
Manage your account your way on your terms at anytime! 
XXXX File # : XXXX Self-Service : XXXX Phone : XXXX XXXX & XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am a victim of human trafficking & trying to dispute items on my report. I have received absolutely no info from experian or updates whatsoever. I dont know if they even received my dispute because I filed it on the XXXX and it is now the XXXX and I have heard absolutely nothing. When I try to call the trafficking dept it says its outside of reg biz hours, despite calling on the XXXX & XXXX. When I call the regular number XXXX cant even get a real person. It just routes me through an automated system which states it cant help me, tells me to look online, and disconnected. The auto chat bot does the same-says it can not help me and to call. I thought they were supposed to block the info within 4 days & request additional verification if needed within 5. It is past that. I tried to submit a new dispute, but the process is so complicated and takes forever. First I had to edit the letter way down to the point it couldn't even include all the info they requestsed because then it was over the max number of symbols. They want a whole bunch of info on each item which makes it extra difficult. By the time i finally had it all & tried to submit, it said the system had timed out & locked me out. I dont know what to do and its impossible to even get help from a real person as to whats going on or what i should do. Please help!!

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 2025-07-19 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:
The investigation did not resolve inaccuracies on my report

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
m filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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