vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
The company in question is national credit systems. They are a third party debt collector for the XXXX XXXX. Now known as the XXXX XXXX that I was resident in the year of XXXX through XXXX. 
The dispute is over a breach of contract because I had to leave the apartment complex due to unsafe conditions. They never contacted me, never told me. They would take me to collections or told me that I owed an amount due. I was told by one of the ladies in the office head of management. In fact that she was willing to waive my breach of lease. Due to certain life events, I was facing at the time in the year XXXXI realized that I had an outstanding debt. That was in collections to the XXXX XXXX and sought to settle this debt with the company national credit systems. I made a subsequent {$1500.00} through the acceptance of 4 additional payments to national credit systems to try to resolve this matter. But I was contacted by a third party company called XXXX XXXX  to let me know that there were several over 10 different discrepancies in the original contract at the XXXX XXXX everything from dates to proper renters '. Amounts to complete information, missing off the contract. I also was and can furnish proof that the head management professional in the office of the XXXX XXXX  told me to lie and provide false information about my income verification and other qualifying matters related to getting into an apartment. There were more focused on getting the constant money in that I could bring, rather than carrying it all about the circumstances. Legalities, or several errors of their own doing in this contract, I have asked a XXXX XXXX to look into the matter, and from my understanding. They said that it would be taken off my credit history. Report, but I waited 30 days and contacted national credit systems. And they say they have received no information, they will provide me. No doubt. Transcripts, no recorded calls or no actual copy of my contract.I am looking to have this matter.Resolved, either with your agency or know if I need to take this further.As far as a legal matter is concerned

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below inquiries in my credit profile and have failed to maintain reasonable procedures to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate information. Every step must be taken to ensure that the information reported is completely accurate and correct. 

The following inquiries must be re-investigated immediately. I respectfully request documented proof that these inquiries were authorized by me, including an instrument bearing my signature for a legitimate business purpose. If such proof can not be provided, the inquiries must be deleted immediately. 

UNAUTHORIZED INQUIRIES TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were NOT authorized, I did not provide verbal or written consent, and no permissible purpose exists under the Fair Credit Reporting Act ( FCRA ). Their presence on my file is a serious reporting error. 

LEGAL BASIS FOR REMOVAL FCRA 604 ( 15 U.S.C. 1681b ) Requires a permissible purpose for obtaining a consumer report. 
These inquiries do not meet ANY permissible purpose. 

FCRA 609 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681g ) I have the right to know the source of information in my credit file.

TransUnion has not provided verification or proof of authorization.

FCRA 611 ( 15 U.S.C. 1681i ) TransUnion must conduct a reasonable reinvestigation and delete unverifiable information.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Because I am a documented victim of identity theft, I have the right to block fraudulent information within 4 business days, upon providing my FTC Identity Theft Report. 

Attached is my : FTC Identity Theft Report No. XXXX ( reported on XX/XX/XXXX ) HARM CAUSED These unauthorized inquiries have caused : Damage to my creditworthiness Difficulty applying for credit Loss of financial opportunities Emotional distress due to identity theft Their presence is misleading, harmful, and unlawful. 

DEMAND FOR IMMEDIATE ACTION I request that TransUnion : Delete the unauthorized inquiries listed above. 

Provide a corrected credit profile to all creditors who received my report within the last 6 months ( or the last 2 years for employment purposes ). 

Provide the name, address, and telephone number of each company that made the inquiries. 

Provide the description of the procedure used to determine the accuracy and completeness of the information, within 15 days of completing your reinvestigation. 

Under federal law, you have 30 days to complete this reinvestigation.

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 2025-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for illegally re-aging and re-inserting an old, time-barred debt onto my credit report. 

This debt originally became delinquent in XXXX. It was removed from my credit report 12 years ago due to age, which means the credit bureaus purged it under the 7-year reporting limit. XXXX  recently reinserted the account on my credit report in XX/XX/year> without providing the legally required 5-day written notice of reinsertion. 

XXXX is in violation of : * * FCRA 605 ( a ) * * reporting derogatory information older than 7 years * * FCRA 623 ( a ) ( 5 ) * * altering the Date of First Delinquency ( illegal re-aging ) * * FCRA 611 * * reinserting previously deleted information without notice * * FDCPA 807 * * misrepresenting the legal status of a debt * * FDCPA 813 * * causing direct damages I never acknowledged this debt, never made a payment, and never restarted the statute of limitations. XXXX has been emailing me settlement offers for years, which demonstrates they knew the debt was time-barred. Despite this, they reinserted the account and reported a new delinquency date to make it appear recent. 

This caused an immediate XXXX drop in my credit score overnight.

I am requesting that the CFPB require XXXX  to : 1. Provide the * * original Date of First Delinquency * * 2. Provide documentation supporting their right to report this account 3. Remove the illegal tradeline from all credit bureaus 4. Provide a written explanation of why reinsertion occurred without notice Please take enforcement action as appropriate. This reinsertion and re-aging appear intentional and deceptive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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:
Someone used my information without my knowledge or consent to open up fraudulent account.

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 2025-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
portfolio recovery associates , llc has contacted me about a debt that is now zombie debt under section 16.004. Of Texas civil practice and remedies codes, I command them to cease and desist all collection attempts with me on time barred debt affective immediately and have this taken off my credit report because it is zombie debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: IL

Complaint narrative:
I recently just looked at my credit report Experian and Equifax XX/XX/XXXX and I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

Equifax Hard Inquiries : 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 XXXXExperian Hard Inquirie ( s ) : XXXX XXXX XXXX XXXX 

This inquiry has no permissible purpose to be on my report. Delete these hard inquiries due to violation of 15 USC 1681B.

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 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: NM

Complaint narrative:
Closed my Milestone account ending XXXX in XXXX with remaining balance. Continued to accrue 29.99 % interest and repeated late fees despite account closure and multiple hardship requests due to job loss in XX/XX/XXXX due to expired XXXX waiting renewal. Requested transfer to collections or fee waiver denied. This practice appears designed to inflate balance before charge-off. Request immediate waiver of all late fees/interest since closure or immediate charge-off and placement with third-party collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a new checking and savings account with BMO Bank in XXXX, California about 8 weeks ago. Every time I try to use my debit card, the card is locked by card security. I am unable to use my debit card for buying groceries, paying my monthly rent online, and just normal everyday living expenses. I have tried resolving the issue with their online banking portal, calling customer service, and visiting the XXXX office. I have made at least five visits to the XXXX branch office, spent a minimum of one hour each visit with a promise the problem is resolved only for it to happen again within 72 hours. I've called customer service and have spent hours on the phone, have been disconnected each time, and no resolution to the problem. While visiting the XXXX branch office, I was once asked if a grocery store purchase was 'legal ' because it appeared to be fraudulent. 

Yesterday ( XX/XX/year> ) I purchased groceries and coffee from XXXX XXXX XXXXXXXX using my debit card with no issues. Today, XX/XX/XXXX, I tried to pay my rent online and withdraw {$20.00} from a BMO ATM, both transactions were denied. I called BMO and customer service told me I have to call back Monday morning to have Card Security remove the block from my card for usage again. I'm stranded in my home, and can not go anywhere, buy groceries, and proceed with normal everyday activities because I have no access to my money. I feel like a hostage to BMO.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX Account Reporting Inaccuracy ( Opened XX/XX/year> ) I am disputing the accuracy and legitimacy of the XXXX account currently appearing on my credit report. Although the bureaus are reporting this account as Open and Current, there are multiple inconsistencies and verification failures that require immediate reinvestigation under FCRA 611 ( a ) and 607 ( b ). The high credit amount, credit limit, and payment history data reported across the bureaus contain structural discrepancies, including incomplete historical payment records and mismatched metadata between TransUnion, Experian, and Equifax. In addition, the account furnisher has not provided any authenticated documentation validating that the account terms, credit limit, payment schedule, and ongoing reporting are accurate or verifiable. Without legally sufficient evidenceincluding original signed applications, billing records, and confirmation of proper servicingthis account can not be verified to the standard required by federal law. Therefore, I am requesting that this account be removed or corrected in its entirety based on unverifiable, inconsistent, and potentially erroneous reporting. Written confirmation of the deletion or correction is required.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian has failed to conduct any reasonable reinvestigation under 15 U.S.C. 1681i ( a ) for multiple accounts, including XXXX XXXX XXXX XXXX XXXX and XXXX. Despite providing supporting documentation for each disputeincluding original creditor mail, contracts, statements, balance histories, and charge-off detailsExperian continues to report inaccurate, re-aged, or contradictory information on every one of these tradelines. 

XXXX XXXX XXXX XXXX XXXX ) Experian is reporting incorrect balances, dates, status, and updates on the XXXX tradeline even though I supplied original XXXX welcome documents, credit limit paperwork, and account history clearly showing different charge-off details. Experian has repeatedly updated this account with incorrect past-due amounts, and has ignored documentation proving XXXX data does not match the original creditors data. This violates 1681e ( b ) accuracy requirements. 

XXXX XXXX Experian continues reporting inaccurate payment history and unverifiable delinquency dates on an auto loan that I fully documented. I provided every payment record, including the final payment date, which does not match what Experian is reporting. Despite this, Experian issued an instant, boiler-plate verified response with no evidence of contacting the furnisheranother violation of 1681i ( a ) ( 1 ) ( A ). 

XXXX / XXXX Experian is reporting wrong dates, wrong status, and a re-aged charge-off on a XXXX account XXXX even though I possess the original XXXX mail and official account letters showing the true balance history and closure information. Experian ignored these documents entirely. 

Systemic Pattern Across all three accounts, Experian has shown a pattern of : Failing to review furnished documentation Relying on automated verified responses Ignoring original-source evidence Reporting data inconsistent with creditor records Allowing re-aged accounts to remain active Completing investigations in timeframes impossible to be reasonable This is a willful violation of both 1681e ( b ) ( accuracy ) and 1681i ( a ) ( reinvestigation ), and has caused ongoing damage to my credit. 

I request CFPB oversight to require Experian to conduct a full, lawful reinvestigation and delete all unverifiable or inaccurate data from XXXX XXXX XXXX, and XXXX immediately 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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Please correct/update this inaccurate information 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 non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
I was watching my kids either playing at the playplace.One of my kids got hurt and I ran over to attend them when I came back.I had seen that I had two text messages from chime saying saying, if I made transactions in Arizona, I responded no, and in the meantime. I'm trying to tend to my daughter who's crying? 2 seconds later, I get a call from them. So I'm on the phone with them, and it sounds really fishy. 
So I hang up and I get a call back next thing. You know, my account is drained almost {$4000.00}. Total, I have nothing in there. So I called them right away. And they told me that we will get your money back, not even the day goes by. And they deny my claim I mean I have nothing left and I didn't authorize any transaction to be done or withdraw all my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/year> a random check was deposited in my account for {$250.00} ( that I had nothing to do with, that later bounced ) than there was 2 " pay to anyone '' transfers send to a XXXX XXXX. Totaling {$110.00}. 
Later in the day on XX/XX/year> a second fake check was deposited for {$250.00} ( also not by me and bounced ) than another " pay to anyone " transfer was made to XXXX XXXX. For {$150.00} ( not by me ) There was than a third fake check for {$250.00} deposited also on XX/XX/year>, there was than another " pay to anyone " transfer for {$150.00} to XXXX XXXX and " pay to anyone " transfer to a XXXX XXXX For {$200.00} I noticed the suspicious activity on XX/XX/year> when I received a notification that the checks ( that I have no knowledge of prior ) bounced and my account went negetive. I immediately called the Chime customer service number to report the fraud, I was on hold for approximately 1 hour while being transferd to the fraud department, than was hung up on. After calling back I was transferd to someone other than the fraud department and they told me they would put in a dispute for the checks and " pay to anyone transfers '' than was placed back on hold waiting for the fraud department, they told me they could not dispute the checks and only the transfers. I received an email on XX/XX/year> denying the dispute, and that there was " no error has occurred " After doing research online there have been many cases of chime rejecting legitimate claims

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: NH

Complaint narrative:
Received a summons from NH Trial Court ( small claims ) as of XX/XX/year> claiming that I owe Portfolio Recovery Services ( on behalf of XXXX XXXX XXXX  ) {$690.00} plus a filing fee of {$90.00}. This is the only correspondence I have received regarding this matter, at least recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: RI

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief