vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Self Financial Inc.
State: GA

Complaint narrative:
I no longer have access to the phone number under my ( self credit builder account ) which I can no longer log into and I am still getting charged {$25.00} a month I would like to regain access to my account and change the phone number and email associated with the account because I no longer have access to the email or phone number associated with it again this is for Self credit builder account I have been trying to contact them for weeks under this customer service number they have provided ( XXXX ) XXXX ) I would like to talk to a phone representative and get this resolved please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/year>, I tried to add {$250.00} to my XXXX account from my Chase Bank but I was told that it was cancelled and refunded to my Chase Bank but, it never was refunded.. I tried to attempt this same type of transaction on XX/XX/year>, for {$250.00} and received the same message saying that they could not fulfill the transaction and that it was cancelled and refunded to my Chase Bank but, it never was and still hasn't been refunded to me to this day. I tried a third time to add money to my XXXX account for {$790.00} on XX/XX/year>, but I encountered the same issue and never received my money back. I tried to contact XXXX via phone on XX/XX/XXXX and XX/XX/XXXX and they said they could not help me in any way and that I should contact my bank. On XX/XX/XXXX, I opened a claim for all XXXX of these transactions over the phone with Chase support. However, the next morning in less than XXXX hours I was notified that the claims were closed even before I had time to upload evidence into the Chase claims portal. On XX/XX/XXXX, I uploaded evidence to the portal for each claim showing proof of the transaction ID on XXXX, the amount charged, and confirmation that each of the XXXX transactions was cancelled and was to be supposedly " refunded '' to my original payment method ( Chase Bank ) which I have still yet to receive the refunds for all XXXX transactions. On XX/XX/XXXX I contacted Chase Bank again and the phone representative at the claims department told me that they would most likely keep my claims closed despite uploading clear-cut evidence that all XXXX transactions were cancelled and to be refunded to my Chase Checking Bank Account . I am extremely frustrated and disappointed in both Chase Bank and XXXX for ignoring my requests for help, not allowing me time to upload evidence due to working a full-time job and tending to my family, and especially how Chase closed my claim without even notifying me or giving me a reason as to why they closed it. I had to go into the claims portal to inform myself of all XXXX claims being closed. I would like Chase to take a second look and open back all XXXX claims considering the new evidence I have uploaded. It is not right that I am being charged for all XXXX transactions after being told by XXXX the transactions were cancelled and refunded to my original payment method of Chase Bank. XXXX also has chosen to close my account fully which now does not let me view the transactions anymore or contact their support team in-app which is the only way to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: EQUIFAX, INC.
State: WI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: KS

Complaint narrative:
I am being billed by Affirm for XXXX active loans ( XXXX and XXXX ) XXXX to cancelled XXXX orders with no items received. A third loan was recently cancelled on XX/XX/XXXX after my escalation, but the others persist despite XXXX contacts with XXXX XXXX XX/XX/XXXX and a demand letter ( XX/XX/XXXX, delivered XX/XX/XXXX ). XXXX has not provided order numbers. and I can't access due to suppression, and XXXX failed to notify Affirm,. violating FCBA ( effective for XXXX since XX/XX/XXXX ), and TILA. My XX/XX/XXXX deadline for resolution, including {$4500.00} for XXXX hours at $ XXXX ( my actual hourly salary ), {$50.00} mailing fees, and {$200.00} for credit monitoring was unmet as of today. I seek loan closures, refunds, compensation, and investigation into XXXX/Affirms practices/ Evidence : screenshots and emails from XXXX XXXX customer service team.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am disputing a bankruptcy record that Experian continues to report on my credit file even though it has already been removed by XXXX after reinvestigation. 

The inaccurate item is Bankruptcy XXXX XXXX. XXXX. On XX/XX/year>, XXXX ( a reseller of public records to Experian and the other credit bureaus ) issued me a resolution letter confirming that they deleted this bankruptcy from my file. 
Despite this removal by the data provider, Experian continues to report the bankruptcy. This violates the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681i ), which requires consumer reporting agencies to delete any information that can not be verified.

This ongoing inaccurate reporting has harmed my ability to secure insurance contracts, credit, and housing.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a Capital One XXXXXXXX XXXX card in XX/XX/year>. I linked my account several times but had difficulty. On XX/XX/year>, Capital One abruptly closed my account citing observed activity on XXXX or more of your Capital One accounts that is inconsistent with typical customer account usage. 

My account was closed without clear explanation or evidence of wrongdoing. 

Capital One has retained my {$390.00} initiation/annual fee and XXXX rewards points earned. 

I am concerned Capital One has or will report a negative item to credit bureaus, despite no missed payments or misconduct on my part. 

I have spoken to Capital One reps on at least XXXX separate occasions to resolve this to no avail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: HI

Complaint narrative:
I am writing to formally dispute several inquiries on my credit report that I did not authorize. Upon reviewing my report, I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information.

I have submitted dispute requests and provided supporting documentation, yet these inquiries remain on my report without resolution. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this, the issue persists. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate or fraudulent. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

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 2025-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: NC

Complaint narrative:
ON XX/XX/year> I PURCHASED A VEHICLE FROM " THE DEAL KING '' IN XXXX NC, A COMPANY CALLED XXXX XXXX XXXX XXXX AGREED TO FINANCE THE PURCHASE, I TOOK POSSESSION OF THE VEHICLE, AND EXPERIENCED SEVERAL MECHANICAL ISSUES WHICH HAD TO BE FIXED, THE DEALER FIXED AND AGREED TO SPLIT THE COST OF THE REPAIR, AFTER ATTEMPTING TO RECOVER FROM THE LOSS OF WORK, I WAS LATE ON THE FIRST PAYMENT TO " WESTERN FUNDING LLC '', THEY IN TURN DEMANDED THE DEALERSHIP TO ACCEPT RE-ASSIGNMENT OF THE LOAN, AND A RETURN OF FUNDS THAT WESTERN FUNDING HAD GIVEN THEM FOR THE VEHICLE, THE DEALERSHIP HAD NO OTHER CHOICE BUT TO COME GET MY CAR, AND LEAVE ME AND MY GIRL FRIEND AND INFANT SON STRANDED... A WESTERN FUNDING IS REPORTING A REPOSSESSION ON MY CREDIT REPORT, XXXX PAYMENT DEFAULT WHICH IS UNFAIR, BECAUSE IF THE LOAN CONTRACT WAS RESCINDED AS IF THEY WERE NEVER SERVICING THE LOAN AND THE DEALER WAS FORCED TO BUY BACK THE LOAN FROM WESTERN FUNDING THEN WHAT COULD BE REPORTED TO MY CREDIT REPORT, AND WHY WASNT I GIVEN THE RIGHT TO CURE DEFAULT, I AM OUT OF MY DOWN PAYMENT, AND ALL AND THIS IS UNFAIR

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX3

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 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
I had a chime account with over XXXX $ in the account when it came to pay my rent stated that my account was closed and then I looked on tv and chime was hacked I never received my money nor any information about when I was going to be able to access my funds or open an new account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: EQUIFAX, INC.
State: IL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
I had an alleged loan with Exeter Finance LLC and payed them off yet the say i still owe them so i requested Debt Validation from them pursuant to 15 U.S.C. 1692 ( g ) and exeter denied my request so i reported to the IRS and was issued a 1099C. I have sent a copy to Exeter Finance LLC and still they did not acknowledge it which the consisted reporting negatively to my credit report while the account is in dispute with an ARBITRATION CLAUSE. Exeter Finance has violated numerous laws including my consumer laws as well as each credit agency that still reports negative inaccurate information. Equifax, XXXX XXXX XXXX  are in violation and need to fix the problem with the account Exeter before i seek legal action as i have done with Exeter. Also there is a lot of fraud going on and the credit agencys are a part of it by leaking my personal info to 3rd parties including the data breach that my private information as been leaked. I am now formally OPTING OUT, by law you are required to notify me on my consent to report anything on my report if you fail to i will sue each time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: AL

Complaint narrative:
My credit report lists my federal student loan as charged off, in default, or in collections ( Account XXXX ) by XXXX XXXX XXXX and ( Account XXXX ) furnished by XXXX XXXX  Federal student loans are not charged off in the same way as private loans ; instead, they are transferred to the Department of Education or rehabilitated. Reporting a charge-off/default misrepresents the status of my loan and has severely damaged my credit. I requested validation from the debt collector, but it never provided proof of the debt as required by FDCPA 809. I submitted dispute letters to all three credit bureaus and to the furnisher demanding deletion, but they continue to report the debt inaccurately.

Under FDCPA 807, debt collectors must not use false or misleading representations regarding the character or amount of a debt. Furnishers are prohibited from reporting information they know or should know is inaccurate. The FCRA requires credit bureaus to investigate disputes and remove unverifiable information within 30days. The bureaus have not provided any documentation supporting the charge-off, nor have they corrected the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Portfolio Recovery ( XXXX XXXX  {$790.00} ) Subject : Inaccurate Reporting and Re-Aging Portfolio Recovery I am filing this complaint against transunion for continuing to report an inaccurate Portfolio Recovery account ( original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This account has been : Reported with conflicting dates across the bureaus. 
Illegally re-aged from the original Date of First Delinquency to appear as if it is new.

This is a direct violation of : 15 U.S.C. 1681c : Accounts can not be re-aged past 7 years from XXXX.

15 U.S.C. 1681e ( b ) : Bureau is failing to ensure maximum possible accuracy.

15 U.S.C. 1681i : Bureau failed to conduct a lawful reinvestigation of my prior disputes.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account was reporting a late payment of 30 days, which is illegal for Advantage to do ; it has to be 90 days. But during that time, I was attending XXXX universities, XXXXXXXX XXXX XXXX XXXX XXXXy. This late payment is reported for the month of XX/XX/year> as 30 days late. So when I challenged it, they changed it to 90 days, which was not true. How could it be 90 days, and it shows that I make payments in XXXX and XXXX, following up to XXXX, so that information is not accurate. I just want to have this issue resolved and removed from my credit because it should not be reporting late if I was in school during this time, and I have the documents to prove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
My account was reporting a late payment of XXXX  days, which is illegal for XXXX  to do ; it has to be XXXX  days. But during that time, I was attending XXXX universities, XXXX XXXX  and XXXX XXXX. This late payment is reported for the month of XX/XX/year> as 30 days late. So when I challenged it, they changed it to XXXX  days, which was not true. How could it be XXXX  days, and it shows that I make payments in XXXX and XXXX, following up to XXXX, so that information is not accurate. I just want to have this issue resolved and removed from my credit because it should not be reporting late if I was in school during this time, and I have the documents to prove it.

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