vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: WI

Complaint narrative:
I am writing to formally express my concerns regarding Chime 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: MI

Complaint narrative:
In XX/XX/year>, I rented a vehicle from XXXX. After returning the vehicle, XXXX charged my Navy Federal account unexpected and unauthorized amounts. I immediately contacted both XXXX and Navy Federal to dispute these charges and request full documentation. 

I provided Navy Federal with details of the disputed transactions, supporting evidence, and asked for a clear explanation of the charges and their investigation process. Despite this, Navy Federal failed to provide complete documentation or a transparent resolution. They ultimately sided with XXXX without addressing the evidence I submitted or providing me with any records to support their decision. 

This has caused significant financial hardship, as the disputed charges are substantial and remain unresolved. I believe Navy Federal did not conduct a fair or thorough investigation into my dispute and failed to properly protect me as a consumer. I am requesting that this matter be fully reviewed, that Navy Federal provide proper documentation, and that the disputed charges be reversed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: NJ

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-10-08 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: NJ

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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 2025-10-08 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: SC

Complaint narrative:
I am writing to formally dispute the following items on my credit report under the Fair Credit Reporting Act ( FCRA ) 609 and 605B. I request that you investigate and correct or remove any inaccurate information and provide written confirmation of the results along with an updated credit report. 

XXXX. XXXX XXXX XXXX XXXX Account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$1500.00} Date Opened : XX/XX/XXXX Status : Closed / Charge-off Creditor Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Creditor Phone : ( XXXX ) XXXX Disputed Items : Account may be inaccurate ; I never authorized or opened it. 

Reported balance may be incorrect.

Account status may be incorrect.

Payment history showing charge-offs is inaccurate.

Creditor information may be incorrect. 

Responsibility listed as Individual Account may be inaccurate. 

XXXX XXXX XXXX XXXX XXXX  Account Original Creditor : XXXX XXXX XXXX XXXX : {$9200.00} Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Agency XXXX XXXX XXXX XXXX XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Agency Phone : XXXX Account Status : Unpaid / Rental/Leasing Disputed Items : Account may be fraudulent ; I never authorized or opened it.

Balance may be inaccurate.

Account status may be reported incorrectly.

Payment history or delinquency dates may be incorrect.

Creditor and agency information may be inaccurate. 

3. Unsecured Installment Account Account Owner : Individual Account Loan Type : Unsecured Installment High Credit Amount : {$1200.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Payment Status : OK / 30-day late Comments : Closed or Paid Account / XXXX Balance Disputed Items : Date of first delinquency may be inaccurate.

Payment history may be inaccurate.

Account status may be incorrect.

High credit amount / terms may be inaccurate.

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 2025-10-08 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Indiana XXXX XX/XX/XXXX To : XXXX XXXX XXXX ( Experian / Equifax / TransUnion ) Subject : Credit Report Dispute Request for Deletion of Negative Accounts Dear Sir or Madam, My name is XXXX XXXX XXXX XXXX, and I am writing to formally dispute the accuracy and completeness of certain information currently listed on my credit report. 

Upon reviewing my credit file, I found several negative accounts and entries that are either inaccurate, unverifiable, outdated, or do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is incorrect or can not be verified. 

I respectfully request that your agency conduct a thorough investigation and delete all negative accounts and items that can not be verified with proper documentation from the original creditors. 

Please note that under 15 U.S.C. 1681 ( o ) ( Civil Liability for Negligent Noncompliance ), failure to follow reasonable procedures to assure maximum possible accuracy in reporting may result in liability for actual damages, costs, and attorneys fees. 

I am including copies of identification and supporting documents to assist with your investigation ( e.g., drivers license, Social Security card, and proof of address ). 

I request written confirmation of the results of your investigation within the 30-day period required by law. If any negative or inaccurate information can not be verified, please remove it from my credit report immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX Date of Birth : XXXX / XXXX / XXXX Last Four Digits of SSN : XXXX Phone : XXXX Email : 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 2025-10-08 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Indiana XXXX XX/XX/XXXX To : XXXX XXXX XXXX ( Experian / Equifax / TransUnion ) Subject : Credit Report Dispute Request for Deletion of Negative Accounts Dear Sir or Madam, My name is XXXX XXXX XXXX XXXX, and I am writing to formally dispute the accuracy and completeness of certain information currently listed on my credit report. 

Upon reviewing my credit file, I found several negative accounts and entries that are either inaccurate, unverifiable, outdated, or do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is incorrect or can not be verified. 

I respectfully request that your agency conduct a thorough investigation and delete all negative accounts and items that can not be verified with proper documentation from the original creditors. 

Please note that under 15 U.S.C. 1681 ( o ) ( Civil Liability for Negligent Noncompliance ), failure to follow reasonable procedures to assure maximum possible accuracy in reporting may result in liability for actual damages, costs, and attorneys fees. 

I am including copies of identification and supporting documents to assist with your investigation ( e.g., drivers license, Social Security card, and proof of address ). 

I request written confirmation of the results of your investigation within the 30-day period required by law. If any negative or inaccurate information can not be verified, please remove it from my credit report immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX Date of Birth : XXXX / XXXX / XXXX Last Four Digits of SSN : XXXX Phone : XXXX Email : 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 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Your Name : XXXX XXXX Your Address : XXXX XXXX XXXX XXXX, California, XXXX Date : XXXX Collection Agency Name : LVNV FUNDING LLC Collection Agency Address : XXXX XXXX XXXX XXXX, SC, XXXX RE : FINAL NOTICE - FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA ACCOUNT # : XXXX To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. 

Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : A copy of the original signed contract or agreement bearing my signature ; A full chain of title including all assignments and transfers of the alleged debt ; A bill of sale or purchase agreement proving legal ownership of the debt ; Proof of licensing to collect debt in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: NV

Complaint narrative:
I am submitting this complaint to report multiple inaccuracies appearing on my credit report that violate my rights under the Fair Credit Reporting Act ( FCRA ). My report contains inaccurate personal identifying information, including several variations of my name XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX which do not all accurately reflect my legal identity. Additionally, there are incorrect addresses listed, such as XXXX XXXX XXXX Apt XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; and XXXXXXXX XXXX XXXX XXXX XXXXXXXX, none of which are valid or current addresses associated with me. 
My credit report also inaccurately shows a late closed account from XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX with a {$0.00} balance reported as late 30, 60, and 90 days, which is inconsistent and misleading since no outstanding debt exists. Furthermore, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is being incorrectly reported as a charge-off with a {$0.00} balance, which falsely implies default despite being resolved. Lastly, there is an unauthorized inquiry from XXXX XXXX dated XXXX that I did not initiate or consent to. 

These reporting errors violate FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires credit reporting agencies to ensure maximum possible accuracy of consumer information, and FCRA 611 [ 15 U.S.C. 1681i ], which obligates them to reinvestigate disputed items promptly and thoroughly. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ] prohibits data furnishers from knowingly reporting inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: NV

Complaint narrative:
I am submitting this complaint to report multiple inaccuracies appearing on my credit report that violate my rights under the Fair Credit Reporting Act ( FCRA ). My report contains inaccurate personal identifying information, including several variations of my name XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX which do not all accurately reflect my legal identity. Additionally, there are incorrect addresses listed, such as XXXX XXXX XXXX Apt XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; and XXXXXXXX XXXX XXXX XXXX XXXXXXXX, none of which are valid or current addresses associated with me. 
My credit report also inaccurately shows a late closed account from XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX with a {$0.00} balance reported as late 30, 60, and 90 days, which is inconsistent and misleading since no outstanding debt exists. Furthermore, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is being incorrectly reported as a charge-off with a {$0.00} balance, which falsely implies default despite being resolved. Lastly, there is an unauthorized inquiry from XXXX XXXX dated XXXX that I did not initiate or consent to. 

These reporting errors violate FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires credit reporting agencies to ensure maximum possible accuracy of consumer information, and FCRA 611 [ 15 U.S.C. 1681i ], which obligates them to reinvestigate disputed items promptly and thoroughly. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ] prohibits data furnishers from knowingly reporting inaccurate information.

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 2025-10-08 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 have disputed several accounts that are inaccurately reporting on my credit report with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have contacted both the credit bureaus and these companies multiple times, requesting verification and proof that these debts belong to me. To date, none of them have provided original signed contracts, applications, or documentation showing that I am responsible for these accounts. The information being reported also does not match my current address or identity, which makes it unverifiable. Despite my repeated written disputes, these furnishers and the credit bureaus have continued to report these accounts without performing a reasonable investigation as required under FCRA Section 611 ( a ) ( 1 ) ( A ). I have already filed a CFPB complaint and FTC Identity Theft Report regarding these inaccuracies, but the companies have still failed to correct or delete the false information. Their negligence is causing ongoing harm to my credit, my ability to obtain credit and housing, and my overall financial stability.

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