vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MN

Complaint narrative:
I had a previous case in which I still contend chime stole the remaining {$890.00} of my refund from the merchant. 

But in any case can you imagine what chime did when I disputed the {$1100.00} in charges from merchant crown coins casino! They DENIED MY CLAIM I AM SURE THIS CAN NOT BE LEGAL AS THE MERCHANT THEMSELVES IN WRITING PLAINLY STATES THEY INVESTIGATED THE UNAUTHORIZED PAYMENTS AS A SYSTEM ERROR AND THAT MY DISPUTE WAS 100 % valid and that they never had authorization or permission to take my money!

So both me, the consumer and the merchant Im writing admit the DISPUTE IS VALID SO BOTH PARTIES INVOLVED IN THE TRANSACTION CONTEND AND VERIFIED IT IS A VALID DISPUTE AND SHOULD BE REFUNDED OR CHARGED BACK and then chime deems my dispute invalid that is absolutely insane and I obviously retaliation for making my first report because there is no way this can be legal! 

I am trying to do this the legal way but no one is helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Bottom line is both the consumer me and the merchant themselves after a lengthy investigation deemed my dispute as VALID and after I didnt get my refund I am sure chime stole chime then refuses to do a chargeback probably because then the merchant will see they already refunded the whole amount and chime will be busted for theft. The merchant told me if chime claims they didnt receive the entire refund then do a chargeback as the dispute is 100 % VALID and chime refuses to do so what kind of {$3.00}! XXXX XXXX XXXX XXXX XXXX XXXX is this can not be legal I am filing a police report against the ceo as we speak and again trying to do this the legal way but people are pushing me. 


How and why can chime deem a dispute invalid when the merchant and consumer contend its VALID!!!!

Of course chime wont give me any explanation as to why their XXXX XXXX XXXX XXXX XXXX  Came to this absurd conclusion but its because Im sure of the reasons I mentioned if CFPB DOESNT ACTUALLY HELP THIS TIME ILL DEAL WITH IT ON MY OWN

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TX

Complaint narrative:
My account with XXXX, XXXX XXXX, XXXX, XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 in to be removed.

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. 

XXXX, XXXX XXXX, XXXX XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Experian : XXXX / XXXXXXXX XXXX XXXX XXXX XXXX Equifax : XXXX / XXXX XXXXXXXX XXXX XXXX XXXX  TransUnion : XXXX / XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: NAVY FEDERAL CREDIT UNION
State: IL

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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EdFinancial Services
State: FL

Complaint narrative:
This is a formal complaint regarding the recent data breach at Equifax on or about XX/XX/year>. I was notified of this incident on XXXX XXXX, and it is understood my personal information may have been compromised. 
The breach involved personal information. The information potentially accessed my name, address, Social Security number, financial account information. 
This breach raises concerns about potential identity theft and other financial harm. Actions taken to protect oneself include : placing a fraud alert on my credit report. 
The letter requests that XXXX  provides the following : A clear description of the data breach, including its scope and impact on personal information. 
The specific measures taken to remedy the situation and prevent future breaches. 
Details about any services offered to affected individuals, such as credit monitoring or identity theft protection services, and instructions on how to utilize them. 
A prompt response to this complaint and a clear explanation of the steps being taken to safeguard information and prevent similar incidents from occurring in the future are expected. Copies of the data breach notification letter received from the company are attached for review Thank you for your attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: VA

Complaint narrative:
Please help me investigate accounts from these companies that are incorrectly reporting me as late. Upon reviewing my credit report, I found certain accounts with inaccurate late payment marks. These accounts should not have any late payment remarks. I request these remarks be removed and the accounts updated to reflect the agreed positive status.

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 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/year> To Whom It May Concern : Subject : Formal Dispute and Demand for Immediate Action Under the Fair Credit Reporting Act ( FCRA ) This letter serves as a formal notice that I am disputing serious inaccuracies and a compromise of my personal identification that you, [ XXXXEquifax/XXXXn ] XXXX have negligently allowed to occur in violation of your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Equifax- " I am disputing, all accounts, and inquires ''. Equifax also needed to unblock my credit profile. 

You have a legal obligation to ensure the maximum possible accuracy of the information you report. Your failure to do so has directly jeopardized my financial well-being and exposed me to potential fraud, reputational damage, and unlawful surveillance of my credit profile. 

I am demanding the following actions immediately : A complete investigation into the breach and compromise of my identification and any unauthorized access or usage of my credit file, and I did not give any authority for any creditor to report anything on my credit file. I also want to know how these accounts were verified and provide me with all documents to support. This included Evictions, XXXX, Collections, and Inquires " Equifax is to unblock my account '' I have no access to my score. 

Update my address as requested to XXXX XXXX XXXX XXXX, XXXX Ga XXXX. 


A detailed report outlining what personal information may have been accessed or disclosed, and by whom. 

Written confirmation of the actions youve taken to secure and correct my file in compliance with the FCRA. 

You are on legal notice. Failure to respond within XXXX  days as required by federal law will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I am also prepared to seek legal representation and pursue civil action if necessary. 

I expect full accountability, transparency, and compliance with federal law. You are not above the law, and I will not tolerate further negligence on your part. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: PA

Complaint narrative:
I am submitting this complaint regarding an account reported by a utility collection agency that I do not recognize. I disputed the account in good faith, explaining that the debt does not belong to me. However, after TransUnion completed their investigation, my credit score dropped by over XXXX points despite the fact that I was merely following the formal dispute process available to consumers. 

Just one week before this dispute result, my credit score had finally reached XXXX a milestone I worked incredibly hard to achieve. I did not default. I did not open any new account. I simply challenged a collection entry I had never seen before, and the result was brutal : my score was slashed as if I had committed a serious credit violation. 

I have invested significant time and money to repair and rebuild my credit since 2023, including paying for professional support from XXXX XXXX. I did everything right. I made payments. I stayed on top of my obligations. I was proud of finally reaching the XXXX again only to have it vanish overnight due to a single dispute on a report I still do not recognize. 

This feels like a punishment for being honest. 

The system is broken if a person can suffer massive credit damage simply for using the dispute option especially without any proven non-payment or fraud. If consumers are penalized for reporting something they dont recognize, then there is no safe path forward. This discourages people from disputing errors and enables inaccurate reports to persist.

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 2025-07-26 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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-07-26 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: WA

Complaint narrative:
I disputed an account reported by XXXX XXXX that is not mine. My full legal name is XXXX XXXX XXXX, but the account was reported under the name XXXX XXXX. XXXX  verified the account using my DOB and last 4 of SSN, but the email address was a XXXX account that I have never owned, and the phone number, bank account number, and routing number used were not mine. I spoke with XXXX at XXXX XXXX, and she confirmed over the phone that the last 4 digits of the account and routing numbers did not match mine. My actual last 4 digits are XXXX for the account and XXXX for the routing number. 

The account was reportedly opened in XXXX, but I had no involvement. I have also filed a fraud identity complaint, and yet TransUnion marked my dispute as verified multiple times without conducting a proper investigation. Despite my repeated attempts to resolve this, the issue persists. 

This situation has also resulted in damage to my credit, including a reduction in my credit card limits, which has negatively impacted my financial standing and credit utilization ratio. I am experiencing mental distress due to this ongoing issue, and request immediate resolution. 

I ask that the inaccurate XXXX XXXX  account be permanently removed from my credit report, that TransUnion be required to reinvestigate properly, and that both TransUnion and XXXX be held accountable. I further request written confirmation, restoration of my credit limits, and consideration for compensation due to the stress and hardship caused.

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 2025-07-26 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:
XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX Subject : Request for Removal of Unauthorized Credit Inquiries Dear Equifax Information Services LLC, I am writing to formally request the removal of certain inquiries from my credit report. 
Upon reviewing my credit file, I have identified several inquiries that do not have a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ). I have not granted permission for these entities to access my credit report, and therefore these inquiries should be deleted immediately. 

Please provide me with written documentation showing that I granted authorization for the following inquiries : Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Name XXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX  Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX, BEST B If you are unable to provide proof of my authorization, I request that you remove these inquiries from my credit report immediately and provide written confirmation of the deletion. 

As you know, the FCRA allows only authorized parties with a legitimate purpose to access my credit report, and failure to comply with this requirement is a violation of federal law. I expect this matter to be addressed promptly, and I look forward to receiving confirmation of the removal of these inquiries. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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 explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

Account XXXX XXXX Account number : XXXX The following inconsistent information was reported among all reporting bureaus : Date opened XX/XX/year> vs XX/XX/year> Account type details High credit Credit limits I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard. 



Provide documentation of the verification method used. 

Ensure all reported accounts meet the standard of maximum possible accuracy. 

The continued reporting of unverifiable or conflicting data is damaging my creditworthiness and causing harm. 

Additional Information : I have retained documentation/screenshots showing the discrepancies. 

Disputes were submitted through the appropriate channels and responses were inadequate. 

These actions violate my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered that there was an incorrect address on my consumer report which need to be removed because it is not my address, it is important that accuracy of consumer report is guaranteed bu the bureaus according to the FRCA laws please remove the following address. 

XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: LoanCare, LLC
State: NC

Complaint narrative:
I discovered that our monthly mortgage payment had recently increased by almost {$200.00} due to an escrow adjustment. Unfortunately, I was not aware of this change when it happened, which resulted in underpayments and ultimately caused our account to appear past due. I became aware of the issue only after noticing a significant drop in my credit score. Upon identifying the cause, I immediately contacted the LoanCare Customer Service department and arranged for payment of the outstanding balance of {$2500.00}.

Although I was making monthly payments of {$2100.00} consistently, I was unaware that the total monthly amount had increased to {$2300.00}, due to the escrow adjustment. I did not clearly understand or receive proper notification about the increased amount, and as a result, my payments were slightly under the new required amount. 

At no point did I intend to withhold payment, nor was I behind in actual payments. As soon as I became aware of the discrepancy, I reached out to your customer service team, I paid the difference and brought the account current.

I respectfully requested that LoanCare remove the reported delinquency from my credit report as a goodwill adjustment, especially since : -I made consistent monthly payments -I never ignored communication -The issue was immediately fixed once discovered This negative mark has caused a significant d
rop in my credit score and will impact my credit for up to seven years - despite my long-standing history of good faith payments.

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