vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Self Financial Inc.
State: CA

Complaint narrative:
I am writing to formally dispute an inaccurate collection account listed on my credit report. The item in question is reported by [ Self.inc ] for a loan that required an upfront payment before any funds were received. This is a clear violation of federal law and constitutes a fraudulent loan offer. 

Under the Federal Trade Commissions Telemarketing Sales Rule ( 16 CFR Part 310 ), it is illegal for companies offering loans to require advance fees before providing the promised loan. This type of arrangement is typically associated with advance-fee loan scams, which are well-documented and unlawful. 

I never received any loan funds, and therefore I do not owe this debt. I suspect this entry may be linked to fraudulent activity, especially in light of the widely reported XXXX  data breach, which may have exposed my personal information to bad actors. In light of these concerns, I request a full investigation into the legitimacy of this account. 

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), I am exercising my right to : 1. Dispute the accuracy of the information reported.

2. Request immediate deletion or correction of the inaccurate account.

3. Request a copy of any documents used to verify this debt. 



Please conduct a thorough reinvestigation and provide written confirmation of the results. If the information can not be verified, it must be deleted from my credit report per the FCRA. 

I have attached a copy of my government-issued ID, a utility bill for address verification, and a copy of my current credit report with the disputed item highlighted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : 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 As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the 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 non-monetary relief
Consumer complaint received 2025-05-24 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: CA

Complaint narrative:
See attached. Removed accounts. Send to Experian. Equifax, and Transunion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: CA

Complaint narrative:
See attached. Removed accounts. Send to Experian. Equifax, and 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 explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint regarding an inaccurate charge -off account on my credit report that continues to negatively impact my credit. Despite my efforts to resolve directly with the reporting agency, it remains unresolved. The Agency is reporting monthly and I never received a 1099-C for XXXX. The Auto Loan was deemed a profit loss to the IRS and also currently reporting on my credit as 30 days late. This is a charge-off account. Date reported incorrectly for XX/XX/XXXX and XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: KS

Complaint narrative:
I received a text from chime asking if I used my card in XXXX Texas, I replied no. I then got a text saying I would receive a phone call. I did about an hour later from the chime support number on the back of my card. The guy asked me all the things my bank would ask if I had to call them and verify my identity, ( last 4 of social, and the last four of my card ). The guy says his with chime and verifys how much money I had in my accounts. He said my profile was compromised and they had to get me over to a new chime profile, he proceeded to tell me I needed to transfer my money to this new account that I received an email with the account info, I was not wanting to do that, I was on the phone with him for about 2 hours at work arguing with him telling his this didnt sound right hand everything. He kept saying it would all make sense, he then somehow closed my savings account, which moved it all to my credit builder account, he then closed that account, I re opened my savings while on the phone and he closed it a second time. After I hung up with him my entire account got closed with what was around XXXX in it still. I called chime to re open it and they told me I had XXXX in my account. I had to re open it change all my passwords and passkeys, I explained to them what just happened and that someone took XXXX and that they claimed to be them, and they closed my account and stole my money. But yet my claim has been denied twice now. The first time They put the claim under the wrong category.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: NJ

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 ONE 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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Subject : Request for Removal of Inaccurate Late Payment from XX/XX/year> Dear Kohls Credit Card Department XXXX Capital One, I am writing to respectfully dispute a late payment that was reported on my Kohls credit card account in XXXX I have been a long-standing customer and have always taken pride in maintaining a good payment history. To the best of my knowledge, I have never made a late payment on this account and have always paid on time throughout the years Ive held this card. 



This reported late payment is not accurate, and I kindly ask that it be reviewed and removed from my credit reports with XXXX XXXX XXXX XXXX 



This incorrect information has significantly impacted me. I am currently in the process of enlisting in the United States XXXX as XXXX XXXX, and part of the evaluation involves a review of my credit history. This erroneous late payment has created a major obstacle in my enlistment process and is preventing me from moving forward in serving my country. 



This situation has also affected my mental health and caused considerable stress. I have worked hard to build and maintain good credit, and I have always been responsible with my Kohls account. I would be incredibly grateful if this late payment could be removed as a gesture of goodwill and in recognition of my consistent payment history. 



Your help with this would mean a great deal to me and would have a positive impact on my future. Thank you for your time and consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: NY

Complaint narrative:
Experian has failed to do a proper investigation on these accounts. Experian also, has failed to take items off my credit after constantly trying to get them deleted.I am a victim of identity theft. My information was stolen ( passport, social etc. ) and used to open accounts. I have been tying to get these deleted off my credit as its affecting me. Experian is not letting me dispute because it has been " accurate and verified '' which is not true. The accounts are XXXX XXXX ( XXXX ) {$850.00}XXXX XXXX XXXX XXXX  ( XXXX ) {$1900.00}, XXXX XXXX XXXXXXXX ( XXXX ) {$500.00}, XXXX XXXX XXXX ( XXXX ) {$1900.00}, XXXX XXXX XXXX ( XXXX ) {$5400.00}.

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 2025-05-24 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: NY

Complaint narrative:
Experian has failed to do a proper investigation on these accounts. Experian also, has failed to take items off my credit after constantly trying to get them deleted.I am a victim of identity theft. My information was stolen ( passport, social etc. ) and used to open accounts. I have been tying to get these deleted off my credit as its affecting me. Experian is not letting me dispute because it has been " accurate and verified '' which is not true. The accounts are XXXX XXXX ( XXXX ) {$850.00}XXXX XXXX XXXX XXXX  ( XXXX ) {$1900.00}, XXXX XXXX XXXXXXXX ( XXXX ) {$500.00}, XXXX XXXX XXXX ( XXXX ) {$1900.00}, XXXX XXXX XXXX ( XXXX ) {$5400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
* * This is an update, as I realized I uploaded XXXX screenshot twice * * I am filing this complaint against Synchrony Bank regarding what I believe is an unfair and potentially deceptive billing practice related to the improper assessment of late fees on consumer credit accounts, despite payments being made in full and on time. Recently, I was charged late fees on both my XXXX XXXX and XXXX XXXX accounts, even though my payments were submitted on or before the due dates, using Synchronys own online payment system. After noticing the charges, I contacted Synchrony Bank, and their representatives acknowledged the issue and submitted a request to have the fees reversed. While I appreciate the reversal request, this raises a broader concern : if I hadnt noticed or challenged the fees, they would have remained in place. Given that XXXX is a large issuer of private-label credit cards used by millions of consumers, I am concerned this may not be an isolated incident. This could result in countless customers being improperly penalized and potentially misreported to credit bureausespecially those who dont regularly check their statements or who may not have the resources to dispute these charges. I've attached screenshots of payment confirmation e-mails I received on XXXX XX/XX/year> at XXXX and XXXX ( which is nearly XXXX hours BEFORE the cut off time ), a screen shot of the late fee being assessed on XXXX XXXX on each account ( XXXX XXXX and XXXX XXXX ), and a screenshot from their mobile FAQs site stating the cutoff time for a payment to be received and considered a same day payment.

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 2025-05-24 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: BMW Financial Services NA, LLC
State: IL

Complaint narrative:
TO : BMW FINANCIAL SERVICES XXXX XXXX XXXX XXXX, OH XXXX FTC REPORT NUMBER : XXXX ATTN : LEGAL DEPARTMENT RE : Accounts for investigation and verification I am writing again to you because I have been monitoring my credit report for any changes since my previous dispute letter, but until now, I have not seen the updates that I asked for.

I am assuming that you did not conduct the investigation, so now I am requesting that you do the proper investigation and I would like to know the measures you took to reasonably investigate the accuracy and completeness of the information on the account as stipulated by 15 USC Section 611 ( a ) ( 6 ) ( B ) ( iii ). I would like to know the business name of the data furnisher, their address, phone number and the detailed description of the method of verification you used.

Please pay attention to the following account : BMW FINANCIAL SERVICES XXXX Date Opened : XX/XX/year> This lender is in direct violation of the FCRA because I was never properly notified of any late payments in writing. No emails. No letters. And I am aware that they can not use the Initial Disclosures as proper notification. Please remove immediately since I was never properly notified or block the payment history permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-24 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : 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 As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the 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 2025-05-24 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : 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 As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation