vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my Experian credit report ( Report # XXXX, generated XX/XX/XXXX ). Despite my prior disputes, Experian has failed to correct errors related to the following XXXX XXXX XXXX XXXX ( XXXX ) accounts, which contradict verified data from XXXX and violate the Fair Credit Reporting Act ( FCRA ). 

Incorrect Account Details : Account Ending XXXX ( Opened XX/XX/XXXX ) Experian Report : Incorrectly reports the account as " Closed '' with a {$19000.00} balance. 

XXXX XXXX ( XX/XX/XXXX ) : Shows the account is current, with no past-due balance. 

Discrepancy : Experians " verified '' status conflicts with Innoviss updated, accurate reporting. 

Account Ending XXXX Opened XX/XX/XXXX ) Experian Report : Lists a {$0.00} balance but falsely labels it as " Closed at creditors request. '' XXXX XXXX ( XX/XX/XXXX ) : Confirms the account was paid/closed with no adverse status. 

XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) Experian Report : Misreports payment history and disputes. 

XXXX XXXX ( XX/XX/XXXX ) : Shows the account is current, with consistent on-time payments. 

FCRA Violations : 611 ( a ) ( 1 ) ( A ) : Experian failed to conduct a proper reinvestigation. Verified data from XXXX proves the accounts are current, yet Experian continues reporting outdated or incorrect details. 

607 ( b ) : By ignoring corroborating evidence ( XXXX reports ), Experian violated its duty to maintain reasonable procedures for accuracy. 

Demand for Action : Immediately correct the accounts to reflect their current status as shown by XXXX. 

Remove all erroneous narratives ( e.g., " Closed at creditors request '' ). 

Provide a detailed explanation of your investigation process and the name/contact of the XXXX representative who " verified '' the disputed items.

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 2025-05-27 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-26 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:
In accordance with Fair Credit Reporting Act, XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-05-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Subject : Rebuttal to Navy Federal Credit Union 's Response Charge-Off Reporting Is Inaccurate and Legally Unresolved Dear CFPB Representative, I am submitting this rebuttal to Navy Federal Credit Unions response to my original complaint ( # XXXX ), which remains unresolved. Their reply, dated XX/XX/XXXX, does not adequately address the legal and factual basis of my dispute and fails to support continued credit reporting of a charge-off stemming from a legally dismissed case. 
1. The Charge-Off Is Based on a Dismissed Case Navy Federal confirmed that the lawsuit tied to this account was dismissed without prejudice on XX/XX/XXXX, due to failure to serve ( Case No. XXXX ). The case was only re-filed in XX/XX/XXXX, and is still pending. At the time the charge-off was reported, there was no enforceable judgment or active debt claim. Reporting a final charge-off while pursuing the debt in a separate legal action misrepresents the debt status and violates the accuracy requirement of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). 
2. The Reporting is Inaccurate and Inconsistent The charge-off is inconsistently reported across Experian, Equifax, and TransUnion. Some months are listed as paid, others late, with incorrect or mismatched dates. This violates the duty to report information that is not only accurate but complete and consistent, per 15 U.S.C. 1681i ( a ). See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) furnishers must perform reasonable investigations, not just assert correctness based on internal records. 
3. Delayed Response Undermines Reasonableness Navy Federal waited nearly XXXX  days to issue a final response. While technically within CFPB limits, this extended delay without resolving the clear legal questions raises concerns about the timeliness and reasonableness of their investigation, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
4. The Account Should Be Removed Pending Legal Resolution Since the case is still in litigation and no court judgment has established legal responsibility, continuing to report a final charge-off causes unjustified credit damage. Navy Federal should not report this item as settled, resolved, or final while also pursuing the debt in court. This is prejudicial and misleading, especially under the FCRA and general principles of fair credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX. Last four of my SSN is XXXX and I have been trying to get my credit reports cleared and my good name restored from the fraudulent account that was placed on my reports over 3 years ago. The account that I have been trying to get taken off is a collection account from XXXX XXXX XXXX XXXX. It was opened on XX/XX/scrub> 2022. They are reporting an outstanding balance of {$600.00}. I have taken every measure that the bureaus have instructed me to get this removed immediately and the account has still remained on my credit reports with no legal justification given to me and according to tmy rights under the FCRA the account should be removed and blocked from ever reporting on my credit again. I have sent my FTC Report Number XXXX as well as a copy of my Driver 's license to confirm my identity and the bureaus have just sent me stall letters requesting the same documents I know I already sent. I need this matter resolved quickly as I am waiting on this item to be removed in order for me to proceed with using my credit to purchase my first house. 
Thanks 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 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XX/XX/year> my online checking account was hacked and {$2100.00} was sent to an unknown person through XXXX. This same person then put fraudulent checks into my account ( checks had been altered and didnt even have my name spelt correctly ) to try to cover the fact that they stole money. I contacted Chase right away and reported the stolen money and fraudulent checks. On XX/XX/XXXX, Chase determined that I authorized the transactions ( even though I was at work teaching XXXX kids at the time ) and obviously know how to spell my own name. A police report with the Oklahoma XXXX Police Department for fraud for the stolen money and checks have been filed and they are investigating the case as fraud. This documentation was submitted to Chase on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Im unaware of this debt and did not have oppertunity to dispute this account. If you believe you sent proper notification please provide " certified mail '' with receipt displaying my signature. If not, please delete my account as soon as possible from my report or I will have to take legal actions.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 explanation
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
I used lending point and they sold to mariner finance. I didnt even know this till after I tried to make a payment on the site and it wouldnt work. Then I was contacted by mariner on the phone. They tried to increase my payment to paying weekly and I said XXXX cant afford that. I was making bi weekly payments. 
I continued to make payments and struggled with bills for a little so I was late like twice and not my much. I set up future payments and the company was harassing me and leaving rude voicemails. I told them I needed help and they wouldnt offer lower payments and even when I was paying and it was future dated and only late a little bit they would leave bullying type voicemails. I did stop paying for only two weeks due to this and they filed court proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Bridge IT, Inc.
State: MI

Complaint narrative:
After taking out a loan from Bridgit I spent multiple days in the hospital 4 different times. This made it impossible for me to work for a rather long period of time. I knew because of this I would not have money in my account so I contacted Brigit by chat. I would have preferred to talk to someone but they make it impossible to do this. During my chat I told the agent XXXX was dealing with that I was canceling any and all n permission for Brigit to make withdrawals from my account. They continue trying to withdraw funds that they know costing me a fortune in overdraft fees. These fees far exceed the XXXX I owe to b rigit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: PA

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 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I am unaware of this debt. 

I never was given an opportunity to dispute this debt because I never received a proper notification of this debt. 

If you believe that you gave me proper notification, please send a copy of the certified reciept showing my name and signature to verify that I receive notification of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I recently purchased a vehicle from XXXX XXXX, XXXX, XXXX, Cadillac XXXX, and since then, after reviewing my retail installing contract, I have communicated to these companies that my contract contains fraud and misrepresentation on a part of the dealership. The dealership participated in this deception, fraud, and misrepresentation when they raised the price of my vehicle during the signing of my contract. I have since filed demand for arbitration claiming the fact that these companies were aware that they were committing fraud. Since then, my vehicle was repossessed by a third-party tow truck company who aggressively breached the peace after I told him to stop I already filed for arbitration and he does not have a court order, He told me too address this matter with the finance company, as he continued to drag my vehicle across the pavement in broad daylight on XXXX XXXX causing damage to my property. There are black tire streaks, running across my 2 year old new concrete driveway. Further, the tow truck company is a third-party hired by these companies to steal my property I did not give them permission to share my personal information with any other companies. Arbitration is now pending and has been since XX/XX/year>. My vehicle stolen from my driveway on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
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 XXXX  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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-27 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:
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 XXXX  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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
After seeing XXXX XXXX XXXX XXXX XX/XX/year> I called the XXXX XXXX XXXX on the way home and told him I was uncomfortable with the whole situation and that I would not be going forward with treatment as I felt being XXXX and elderly I was coerced by their unethical business tactics as they did not even give me a chance to think about it. He told me " it was too late '' and if I had a problem I would have to talk to his lawyer. I then called Care Credit and told them I did not want the card and they informed me that XXXX XXXX had already charged my account for {$14000.00} dollars and that they would not take the charge off my account and that the only thing I could do was to dispute the charge. I did so at least XXXX times and Care Credit refuses to credit my account although I have not received any treatment from XXXX XXXX. XXXX XXXX never explained any of the paperwork to me and never explained anything about anything non-refundable and in fact never gave me any paperwork when I left. I felt I was financially exploited and subjected to vulnerable elder abuse and that CareCredit had no right to charge me before I even had a card from them. I am hoping to get my money credited back and hopefully can prevent other persons from falling into this scheme.

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 2025-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CO

Complaint narrative:
I came across a text message on my computer in the text now app staying that chime will never ask you for the code they sent and to not share it. The code is XXXX. Didn't request it to call XXXX. I've never had a Chime account ever in my life. Upon calling it turns out that an account was opened fraudulently in my name. I asked them to close it and cancel all cards sent out and if I can get the address they sent t to so I can report it to the police. They told me no and I replied you can't give me the address but you can accept some one else using my information and open A fake bank account using my information. They hung up on me.

Company response to consumer: Closed with non-monetary relief