vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 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: ND

Complaint narrative:
In XX/XX/XXXX, I discovered that I was a victim of identity theft. A fraudulent auto loan was opened in my name with XXXX XXXX XXXX ( Account # XXXX ) for approximately {$54000.00}. This account was not authorized by me and appeared on my credit report. I reported the fraud to the FTC ( Report # XXXX, filed on XX/XX/XXXX ) and began the dispute process. 

In addition to the fraudulent XXXX XXXX XXXX loan, there are multiple inaccurate and unauthorized accounts and notations still appearing on my credit file, including : XXXX XXXX auto loan accounts reporting inaccurate payment histories and derogatory data. 
XXXX revolving account marked as charged-off with unverifiable reporting. 
XXXX XXXX collection for {$56.00} with conflicting dates. 

There are also unauthorized hard inquiries on my reports, including from XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXXXXXX ( XX/XX/XXXX ), and several auto loan inquiries between XXXX XXXX. These inquiries were not authorized by me and lack permissible purpose under 15 U.S.C. 1681b.

I have formally disputed these accounts and inquiries with the credit bureaus under the FCRA, requesting that all fraudulent and unverifiable information be blocked and deleted. Verification is not validation, and the information remains inaccurate and harmful.

Despite my actions, these fraudulent and inaccurate items continue to appear on my credit reports, causing ongoing harm.

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 2025-08-30 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: TX

Complaint narrative:
TransUnion is reporting a collection account from XXXX with The XXXX XXXX XXXX  as the original creditor in a manner that is inaccurate, incomplete, and unlawful under the Fair Credit Reporting Act. The account is shown as opened in XX/XX/XXXX, but it continues to update monthly through XX/XX/XXXX, which creates the false impression of a recent delinquency. This practice XXXX constitute illegal re-aging in violation of FCRA 605 ( c ), which prohibits extending the reporting period beyond the true date of first delinquency. 

The account is reported with a balance of {$610.00} marked as both high balance and past due, even though collection accounts should not carry an ongoing past due status. This misleads lenders and fails the requirement of maximum possible accuracy under FCRA 607 ( b ). 

Further, the tradeline provides no payment history, no date of first delinquency, and no itemized charges, leaving it incomplete and unverifiable. This violates FCRA 609 ( consumers right to full disclosure ) and 611 ( a ) ( requirement for reasonable reinvestigation upon dispute ). 

Although the tradeline is marked disputed by consumer ( FCRA ), TransUnion continues to report it without providing validation or correction, in direct violation of FCRA 611 ( a ) ( 1 ). The removal date of XX/XX/XXXX also appears inconsistent with the delinquency timeline, raising further concerns of improper reporting practices. 

This reporting is inaccurate, misleading, and harmful, and demonstrates non-compliance with multiple provisions 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 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
2 dispute cases because they had to be filed separately per Chime customer support : XXXX XXXX Evidence attached. 

My phone and cards were stolen on XX/XX/XXXX in XXXX, OH. I rarely use my chime account so I didnt notice until much later that somehow money was transferred into the account and spent, then deposited more again, and spent again. The phone number on my account was also changed without my knowledge or authorization. I reported this to Chime with evidence of the phone number change and the police report regarding the theft and they are declining my attempts to secure the account. Funds were transferred from my XXXX XXXX into my Chime account, again without my authorization, and then used on gambling sites without my authorization. Several withdrawals and deposits were made thereafter. I cant dispute what was lost from my XXXX XXXX when transferred to Chime because then my chime account will go negative but there is legal proof and proof in the account information changes and irregular activity that these transactions were not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
See attached dispute notice ; and relative documents. 
Look me up via social as I do not know the card number or anything. 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 2025-08-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/year>, XXXX sent me the results of my dispute regarding an account reported by Portfolio Recovery Associates ( account ending in XXXX XXXXXXXX ). In my dispute, I requested documentation verifying the accuracy of the account, including the method of verification required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

XXXX response stated only that the account was verified and that certain fields were updated. They did not provide any supporting documentation, evidence from the furnisher, or the required method of verification. 

By failing to provide proof and relying solely on the furnishers response, XXXX  did not conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). As a result, XXXX continues to report disputed and unverifiable information on my credit file, which is causing ongoing harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, XXXX  sent me the results of my dispute regarding an account reported by XXXX XXXX XXXX ( account ending in XXXX XXXXXXXX ). In my dispute, I requested documentation verifying the accuracy of the account, including the method of verification required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

XXXX response stated only that the account was verified and that certain fields were updated. They did not provide any supporting documentation, evidence from the furnisher, or the required method of verification. 

By failing to provide proof and relying solely on the furnishers response, XXXX  did not conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). As a result, XXXX  continues to report disputed and unverifiable information on my credit file, which is causing ongoing harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One accessed my credit file on all reporting agencies on XX/XX/year> without my written authorization. I am a victim of identity theft and did not apply for credit or give Capital One consent to obtain my report. Under FCRA 604, a consumer reporting agency may only furnish my credit file when there is permissible purpose, which is not present here.

Despite my dispute, Capital One has not provided any proof of authorization, such as a signed application or other evidence. Pulling my credit without my consent violates the Fair Credit Reporting Act.

I request that Capital One provide must instruct XXXX XXXX, and XXXX  to permanently delete these fraudulent inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Someone used my identity and opened up two credit cards XXXX XXXX XXXXXXXX and JPMCB card services without my consent or knowledge it was fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CarMax, Inc.
State: SC

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding my auto loan and warranty purchase through CarMax, which I believe involve unfair, deceptive, and abusive practices. 



On [ purchase date ], I financed a vehicle through CarMax for {$29000.00} at an interest rate of 15.20 %, despite having a credit score of approximately XXXX at the time of the contract. As of today, I still owe {$24000.00} on this loan. The loan was structured on a vehicle that was sold for a price significantly above its fair market value. At the time of purchase, the vehicles trade-in value was no higher than {$16000.00}, and its private sale value was no higher than {$18000.00}. This indicates that the vehicle was sold well above its market worth. 



In addition, within two months of purchase, the tires required full replacement, raising concerns about the quality and inspection of the vehicle at the time of sale. 



I was also misled regarding the manufacturers warranty. I was informed by CarMax that no XXXX warranty coverage remained on the vehicle. Based on that information, I purchased a CarMax extended warranty at additional cost. However, I later discovered that the XXXX warranty was still active and remains in effect more than a year and five months after purchase, with approximately one month left on the original manufacturers warranty. This means I was sold an unnecessary extended warranty that overlapped with coverage I already had. 



Requested Resolution : I respectfully request that CarMax be required to address the following : Loan Adjustment : Renegotiate my auto loan to reflect a fair value of {$18000.00}, or accept a payoff of {$18000.00} in full satisfaction of the current loan. 

XXXX XXXX : Refund the full cost of the CarMax extended warranty, or alternatively, provide one year of extended warranty coverage at no additional cost once the manufacturers warranty expires.

Fair Trade Option : Allow me the opportunity to trade in the current vehicle toward another vehicle under a new, fair contract that accurately reflects the cars true value. 



I believe these steps are necessary to remedy the financial harm and misrepresentation that I experienced. I am requesting that the CFPB investigate CarMaxs lending and warranty practices in this matter. 



Please feel free to contact me at [ phone number ] or [ email ] if further details or documentation are required. 



Thank you for your time and assistance in addressing this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I requested earlier this month for a Chase XXXX XXXX XXXX XXXX XXXX XXXX have not received any denial or confirmation, which I was told I was denied and to re-dial ( and have been locked out of my chase account ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally notify you that I am a victim of the recent data breach, and I am requesting that all accounts related to my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ), as outlined under the Fair Credit Reporting Act. Due to the breach, my personal data may have been exposed, and I am concerned about potential misuse of this information. Therefore, I respectfully request that you : Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>2025 Balance : {$24000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For the past 10 years, XXXX XXXX has been submitting false information to the Credit Bureaus by changing the dates. I have not opened an account with XXXX XXXX in XXXX of 2023 which is now what is listed on my credit 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 explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Nala Payments LLC
State: NJ

Complaint narrative:
I made an international transfer which this company could not complete the transfer. A refund request was initiated but I never received this refund. Tried several times to seek their help but they keep denying and keep saying a refund was processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Filed bankruptcy. It was confirmed. I need it to be updated. 

Case number XXXX United States Bankruptcy Court Southern District of Indiana Indianapolis Division

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 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am writing to express my profound dissatisfaction and outrage regarding persistent and unresolved discrepancies on my credit card account, an authorized user card ending in XXXX, under the primary account holder, XXXX XXXX. This is a formal complaint, and I demand immediate action to rectify these egregious errors. 

Despite multiple attempts to resolve this matter with your representatives and a supervisor, I have been met with incompetence and a complete lack of understanding. My conversations were repeatedly interrupted and my concerns were dismissed, which only compounded my frustration. 

This is the second time I have discovered that my account has been overcharged with unaccounted-for " phantom '' charges that do not appear on my statements. I have meticulously reviewed the account activity from XX/XX/year>2024, to the present. My calculations, based on the documented transactions, are as follows : Total charges : {$3000.00} Total payments and refunds : {$3100.00} Based on these figures, I have overpaid my account by {$46.00}. This is irrefutable evidence of a significant accounting error on Navy Federal 's part. The fact that this has occurred before suggests a systemic issue that has likely affected countless other members.

This financial mismanagement has caused significant personal XXXX  and strife. Not only has Navy Federal erroneously charged me for a balance that I did not owe, but you also falsely informed the primary account holder, my father XXXX XXXX, of a nonexistent, carried-over balance of {$230.00}. This misinformation is not only a lie but also a gross breach of trust that has caused conflict within my family. 

I am not merely requesting, but demanding, the following actions be taken without further delay : Immediately refund the overpaid balance of {$46.00} to my checking account ending in XXXX. 

Immediately reverse and remove the fraudulent {$230.00} carry-over balance from XXXX Warrens credit card account. 

I expect a prompt and detailed response confirming that these actions have been completed. I have all supporting documentation and am prepared to escalate this matter to a higher authority if it is not resolved to my full satisfaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: PA

Complaint narrative:
The credit report contains false late payments, collection accounts, hard inquiries, and inaccurate personal information. All entries are unverifiable and damaging. I demand immediate deletion under FCRA, FDCPA, and federal law.

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 2025-08-30 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: IN

Complaint narrative:
am disputing the accuracy of a XXXX tradeline that appears on both my Experian and XXXX  credit reports. 

The tradeline is reporting contradictory and misleading information. It simultaneously shows : Charged off as bad debt Purchased by another lender Unpaid balance reported as a loss by credit grantor Sold to : XXXX XXXX Despite indicating the account was sold to another lender ( XXXX XXXX ), the tradeline continues to show an unpaid balance owed to XXXX. This is inaccurate and misleading because once a debt is sold, the original creditor should no longer report a balance due. 

This type of contradictory reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), including : 1681e ( b ) : The duty to follow reasonable procedures to assure maximum possible accuracy of the information. 

1681i ( a ) : The duty to reinvestigate disputed information that is incomplete or inaccurate. 

The reporting creates the false impression that I still owe XXXX a balance when the account has been sold, which is damaging to my credit standing.

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 2025-08-30 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: IL

Complaint narrative:
Someone used my identity and opened up an auto loan without my consent or knowledge it was fraud.

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 2025-08-30 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: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
Someone used my identity and opened up an auto loan without my consent or knowledge it was fraud.

Company response to consumer: Closed with explanation