vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-06-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
The company is saying that Im still delinquent when I made a payment in the of XXXX, XXXX, and XXXX. Reporting to the credit bureau that Im 90 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX/XXXX/2025 TransUnion

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 2025-06-23 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:
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 2025-06-23 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MD

Complaint narrative:
on XXXX  XX/XX/XXXX at XXXX i received a notification that my card had been used at a XXXX XXXX XXXX XXXX VA XXXX for {$99.00}. At that very exact time i was at work in XXXX, MD and prior to the unauthorized charge i had used my card for a purchase at tropical smoothie at XXXX that same day for {$19.00}. This keeps happening and Chime is doing a terrible job of investigating issues like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the accounts is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX Balance : {$16000.00} Open date XX/XX/XXXX Last activity XX/XX/XXXX Payment history XX/XX/XXXX XXXX XXXX  days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : 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 non-monetary relief
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : 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 non-monetary relief
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NY

Complaint narrative:
m filing this complaint because Chime is closing my account without providing a valid reason. When I contacted customer service, they only cited " terms and conditions '' but refused to explain how I violated any policies. I have used my account responsibly, and have not engaged in any fraudulent activity. 

I do not want my account closed and believe this action is unfair. I request that the CFPB help me : 1. Obtain a clear, specific reason for the closure, 2. Reverse the decision if no valid justification exists, or 3. Ensure the bank follows proper disclosure requirements under federal consumer protection laws.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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:
To Whom It May Concern, This is a formal dispute regarding inaccurate and/or unverifiable information being reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 USC 1681i , 1681e ( b ), and 1692g ( b ). 
I am requesting an immediate investigation and deletion of the following negative entries due to XXXX or more violations of federal law : Accounts in Violation 1. XXXX  XXXX ( Account # XXXX ) XXXX Violation : 15 USC 1681e ( b ) failure to ensure maximum possible accuracy XXXX Dispute : XXXX day late status is inaccurate or unverifiable 2. XXXX XXXX ( Account # XXXX ) * Violation : 15 USC 1681i ( 5 ) item must be deleted if not verified * Dispute : Marked XXXX days past due while evidence of timely payments exists 3. XXXX XXXX XXXX Account # XXXX ) * Violation : 15 USC 1681s-2 ( a ) failure to report accurate information * Dispute : XXXX late marks are not validated, and the closed account continues to report negatively 4. XXXX XXXX XXXX ( Collection {$360.00} ) * Violation : 15 USC 1692g debt not validated ; 15 USC 1681c obsolete information * Dispute : No debt validation notice was sent, and reporting appears to have occurred without my consent 5. XXXX Bank XXXX XXXX Off {$130.00} ) * Violation : 15 USC 1666b billing error ; 15 USC 1681e ( b ) inaccurate data * Dispute : Charge-off occurred during unresolved billing dispute and without proper notice Applicable Legal Violations * 15 USC 1681i ( 5 ) : Unverified items must be deleted. 
* 15 USC 1681e ( b ) : Credit data must be accurate and complete.

* 15 USC 1681s-2 ( a ) : Data furnishers must provide accurate information.

* 15 USC 1692g ( b ) : Debt collectors must stop reporting when debts are disputed without validation.

* 15 USC 1666b : Billing statements must be sent at least 21 days before due dates.

* 15 USC 1681c : Negative items must not be reported beyond the legal time limit. 
Requested XXXX I am demanding the immediate deletion of the accounts listed above based on FCRA violations and failure to verify the accuracy of the reported information. If you elect not to remove the accounts, I request a copy of the method of verification used. 
A written response must be provided within XXXX XXXX, as required under 15 USC 1681i ( a ). 
Please be advised that failure to comply may result in further legal action, including complaints filed with the FTC and state attorney generals office, and civil litigation under 15 USC 1681n and 1681o, which allow statutory damages of {$1000.00} per violation. 
Thank you for your prompt attention to this matter. 
Sincerely, [ Your Full Name ] [ Your Contact Information ] ( Signature, if submitting by mail )

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 2025-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Dear CFPB, I am submitting this formal complaint regarding deceptive and misleading lending practices by Navy Federal Credit Union ( NFCU ) involving a vehicle loan and subsequent refinancing agreement. 

In XX/XX/year>, I entered into an auto loan with Navy Federal Credit Union in the amount of {$36000.00}. After making payments for approximately XXXX year, the vehicle became inoperable. Per XXXX XXXX recommendation and their established agreement with XXXX, I surrendered the vehicle, and it was sold directly through XXXX. The proceeds were paid directly to XXXX XXXX. 

Following the sale of the vehicle, XXXX XXXX offered me a refinance solution to help settle the balance. During a recorded call, I was verbally offered a refinance loan with 0 % interest, a XXXX extension, to reduced monthly payments to accommodate the financial impact of losing the vehicle. Based on that verbal offer, I agreed to proceed. 

However, when the final loan was issued, I discovered that the terms did not match the verbal agreement. The new loan carried a higher interest rate for the first year and then reverted back to the original ratenot the 0 % interest that had been promised. At no point was this change clearly disclosed prior to loan execution. I had no physical use of a vehicle tied to this new loan, and I was placed under a new financial obligation based on inaccurate and misleading information. I've never signed either loan. 

I have since contacted XXXX XXXX, and they have refused to honor the original verbal agreement, citing the signed terms instead. I am now being held responsible for loan terms that were never properly disclosed or agreed to under informed conditions. This constitutes misrepresentation, bait-and-switch lending, and a violation of fair lending standards and Truth in Lending Act ( XXXX ) requirements.. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX Campus Way XXXX XXXX, MD XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed several accounts reporting that do not belong to me and are affecting my life in the most detrimental way possible. Here are the accounts : XXXX XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: NV

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-23 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: MD

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
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 2025-06-23 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: MD

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation