vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Self Financial Inc.
State: AR

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, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: AL

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I mail a check for each month 's bill the day I receive it, check frequently to see when check clears. When check mailed XX/XX/XXXX for XXXX charges had not cleared by XX/XX/XXXX I called my bank, was told it had been converted to XXXX by Chase. Called Chase, got late fee of {$29.00} reversed. Check did not post until XXXX. I have yet to receive the bill for XXXX charges due the end of XXXX, but was assured it will show a late charge. 
Chase rep told me the delay in posting has to be because the mail takes so long to get from my address to theirs. Prior to these last XXXX bills - even during XXXX -- my checks always cleared within XXXX weeks. I called my local post office ; mail should take at most XXXX business days ( average is XXXX ). I prefer not to pay this bill online. 
I was assured by the Chase XXXX when I called that a note was being placed in my file that I had mailed the payment due XX/XX/XXXX on XX/XX/XXXX and that any late fees assessed would be reversed. 
While Chase has reversed the charges, it it extremely upsetting and stressful to this elderly consumer who is prompt to pay her bills to have these late charges showing up, having to contact Chase each time to make sure charges are reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: TX

Complaint narrative:
I am reporting an unauthorized account that was added to my Experian credit report. I never applied for this account or gave permission for my credit to be pulled. Under FCRA 604 ( 15 U.S.C. 1681b ), this constitutes an unauthorized credit inquiry and reporting. I have attempted to dispute this with Experian but have received no resolution. I am requesting that the CFPB intervene and ensure this account and inquiry are deleted from my credit file. This is a clear violation of my consumer rights, and I request immediate action.

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 2025-04-05 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: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/year> my Chime account was hacked. I received an email that my passkey to my Chime app had been changed. I also received an email that a credit builder account had been opened and a new card was on it's way. Once I read the emails I tried to get into my Chime app but I wasn't able because my passkey had been changed. I immediately contacted Chime Financial to inform them that my Chime account had been hacked and that I wasn't able to get into My Chime app and that I wasn't the one who changed my passkey or created the credit builder. I had them to immediately close the credit builder account and cancel the card. Since that credit builder account had been opened my credit report took a XXXX point drop. I contacted XXXX about this and explained to them what happened. XXXX told me to get a letter from Chime XXXX saying that I wasn't the one who opened up that credit builder account. I talked with Chime Financial and they said they couldn't send me a letter. They could only send me a letter showing the credit builder account. All there phone calls are recorded. The phone call I made to Chime Financial on XX/XX/year> has the whole conversation about my account being hacked. Chime XXXX should send a printout of that conversation to me and The Credit Bureaus. So that those XXXX points can be added back to my credit report. I'm putting a snapshot of the email I received from Chime Financial on XX/XX/year> about the fraudulent activities to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Information is being reported to XXXX XXXX and XXXX has Charged off written off. I never received a 1099c form from Navy Federal Credit Union. This is a Volation of FRCA codes for not being reported correctly please Delete inaccurate information from all Credit Reporting Agencies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: FL

Complaint narrative:
I am submitting this formal complaint and dispute regarding inaccurate information reported by third-party debt collectors on my credit file with all three major credit reporting agencies Equifax, Experian, and TransUnion. 



I have submitted multiple disputes in the past concerning inaccurate and unverifiable accounts being reported by third-party collection agencies. Despite these repeated complaints, the credit bureaus have either failed to respond in a timely manner or have simply verified the inaccuracies without providing evidence of proper investigation or validation of the debt. 



The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable investigation of disputed information and to delete or correct any information found to be inaccurate or unverifiable. Yet, I continue to see negative entries on my report that are either outdated, unverified, or outright inaccurate. 



Additionally, the sluggish and inconsistent responses Ive received show a lack of diligence and compliance with the 30-day window mandated by the FCRA. This ongoing negligence is harming my credit profile and causing me financial and emotional distress. 



I am requesting that the CFPB : 1. Investigate the repeated failures of the credit bureaus to respond to my disputes within the appropriate timeframe.

2. Require all three bureaus to provide full documentation verifying the accuracy and ownership of the disputed accounts.

3. Remove any information that can not be 100 % verified from my credit file.

4. Address the pattern of behavior where credit bureaus rely on third-party debt collectors without demanding proper documentation or proof of validity

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 2025-04-05 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: FL

Complaint narrative:
I am submitting this formal complaint and dispute regarding inaccurate information reported by third-party debt collectors on my credit file with all three major credit reporting agencies Equifax, Experian, and TransUnion. 



I have submitted multiple disputes in the past concerning inaccurate and unverifiable accounts being reported by third-party collection agencies. Despite these repeated complaints, the credit bureaus have either failed to respond in a timely manner or have simply verified the inaccuracies without providing evidence of proper investigation or validation of the debt. 



The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable investigation of disputed information and to delete or correct any information found to be inaccurate or unverifiable. Yet, I continue to see negative entries on my report that are either outdated, unverified, or outright inaccurate. 



Additionally, the sluggish and inconsistent responses Ive received show a lack of diligence and compliance with the 30-day window mandated by the FCRA. This ongoing negligence is harming my credit profile and causing me financial and emotional distress. 



I am requesting that the CFPB : 1. Investigate the repeated failures of the credit bureaus to respond to my disputes within the appropriate timeframe.

2. Require all three bureaus to provide full documentation verifying the accuracy and ownership of the disputed accounts.

3. Remove any information that can not be 100 % verified from my credit file.

4. Address the pattern of behavior where credit bureaus rely on third-party debt collectors without demanding proper documentation or proof of validity

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 2025-04-05 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CarMax, Inc.
State: NY

Complaint narrative:
This information is not being reported correctly on my report causing damage to my financial report. the account is being reported as closed charged off with an incorrect balance of {$4500.00} and incorrect last payment date of XX/XX/XXXX but the account was closed on XX/XX/XXXX. I requested the company update these terms, but they have not done so violating my rights to a fair credit report & score. I asked for my payment history up until present date of this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In XXXX, I discovered identity theft on my Equifax credit report. I submitted multiple disputes and provided extensive proof of my identity. While XXXX XXXX one of the fraudulent accounts accepted my evidence, acknowledged the fraud, and removed the account, Equifax has refused to remove the associated fraudulent names and addresses from my report. 

These fraudulent names remain on my report, leaving me vulnerable to future identity theft and preventing me from safely unfreezing and rebuilding my credit. Equifaxs refusal to acknowledge and remove all fraudulent information is negligent and exposes me to continued harm. 

Additionally, there are numerous soft inquiries on my report made during the years my credit has been frozen inquiries I did not authorize. 

I am requesting a full investigation, removal of all fraudulent names and addresses, a detailed history of all activity tied to my file, and assurances this information will not continue to be shared or reported

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Tel : ( XXXX ) XXXX XXXX : XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX RE : Formal Dispute Request for Immediate Deletion of Inaccurate Collection Account Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Amount : {$930.00} To Whom It May Concern, I am writing to formally dispute the validity and accuracy of a collection account being reported on my credit report by XXXX XXXX XXXX ( Account XXXX XXXXXXXX ) in the amount of {$930.00}. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I request that TransUnion initiate an immediate reinvestigation of this account and delete it entirely unless XXXX XXXX XXXX can provide full and complete legal validation. This includes : A copy of the original signed contract or agreement, Proof of the full chain of assignment from the original creditor, A detailed breakdown of the balance reported, and Evidence that they have the legal authority to report this account to the credit bureaus. 

This is not the first time this debt is questioned. In a previous dispute, I submitted documentation and received no adequate verification in return. Therefore, continued reporting of this account without proper validation constitutes a violation of FCRA 1681e ( b ), 1681i, and FDCPA 1692e ( false representation of a debt ). 

If this account can not be fully verified with legally acceptable documentation within 30 days, as required by law, it must be immediately deleted from my TransUnion credit file. Failure to comply will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will consider seeking legal remedies under FCRA 1681n and 1681o, which include statutory damages, attorneys fees, and other relief. 

Please confirm in writing the outcome of your reinvestigation and send me an updated copy of my credit report. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-04-05 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: MI

Complaint narrative:
XXXX XXXX, Social Security XXXX, Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX, XXXX. Account XXXX XXXX date : XX/XX/year>. XXXX XXXX XXXX, XXXX. Account XXXX, XXXX XXXX XXXX XXXX, XXXX. I do not recognize the aforementioned account as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.The aforementioned account, is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account are the result of identity theft and 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 explanation
Consumer complaint received 2025-04-05 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$8600.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 explanation
Consumer complaint received 2025-04-05 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft. There is a car some credit cards amongst othere things on my credit that I didnt give anyone authorization to open or give anyone permission to open these acocunts. This is really affecting my ability to move forward on life and to provide properly for my family. Inquiries are. 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

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 2025-04-05 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:
Last month I initiated a dispute with Experian because my credit report shows a loan in the amount of just over {$20000.00} from a company called " XXXX. '' I've never done business with such company.

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 2025-04-05 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: OH

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: ND

Complaint narrative:
I am an XXXX XXXX military member. This means that I am entitled to the benefits of the SCRA ( servicemembers civil relief act ). Normally this would only apply to debts incurred before the start of XXXX XXXX service, however the state of Louisiana, my home of record, has special provisions that extend these protections to the entirety of a servicemembers XXXX XXXX career. I would like to request a review and for the company to honor the Louisiana state law pertaining to this. I have attached all necessary documents.

Company response to consumer: Closed with explanation