vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Southern Auto Finance Co
State: CA

Complaint narrative:
I am submitting this complaint regarding my auto loan account # XXXX with SAFCO XXXX, associated with a XXXX XXXX XXXX ( XXXX : XXXX ). Over two years ago, the vehicle was declared a total loss in an accident, and insurance did not cover the damage. 
Despite no longer having the vehicle or being able to use it, I have continued making monthly payments of {$540.00} out of a sense of responsibility. I reached out to SAFCO to request a fair resolution and offered a {$2500.00} lump-sum settlement, then later increased my offer to {$5000.00}. Both offers were rejected. I explained my situation clearly, but SAFCO responded that they do not accept settlement offers under any circumstances. 
I am now paying for a vehicle that no longer exists. Ive acted in good faith and consistently paid on time despite the hardship. I believe I have been treated unfairly, and this loan should have been adjusted based on the total loss and lack of collateral.

Im asking CFPB to help mediate a resolution. I can provide documentation proving the total loss and email records of my attempts to settle this matter. I am not trying to avoid my obligationIm trying to resolve it responsibly under extreme conditions. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: DE

Complaint narrative:
I was given a loan by Affirm buy now pay later. I almost had it paid off and missed the last payment. Affirm penalized menin which I had almost all paid up and off the loan till I missed the last payment years ago since then Affirm has been trying to charge almost XXXX $ the original purchase price

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: National Consumer Telecom & Utilities Exchange, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to dispute and demand the permanent deletion of the following inaccurate account from my NCTUE consumer file : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Type : Cellular Phone Connect Date : XX/XX/XXXX Disconnect Date : XX/XX/XXXX Charge-Off Amount : {$380.00} Status : Non-Pay Disconnect Reported As Of : XX/XX/XXXX This account is inaccurate, unverifiable, and harmful. I am asserting my legal rights under multiple federal statutes : Legal Grounds for Deletion : FCRA 602 ( a ) Consumer Harm Doctrine You are required to maintain accuracy to avoid harming my ability to obtain essential services. This item is causing direct financial harm and must be removed.

FCRA 609 ( a ) ( 1 ) Disclosure of All Data You are required to provide me with the full file disclosure, including all documents used to verify this debt, the original signed agreement, and billing statements. If you can not produce it, the account must be removed.

FCRA 611 Right to Dispute and Reinvestigation I formally dispute this tradeline. NCTUE must reinvestigate and either verify with documentation or delete it within 30 days. Verbal or e-OSCAR verification is not sufficient under federal law.

FCRA 623 ( b ) ( 1 ) Furnisher Accuracy Obligation XXXX XXXX XXXX is legally required to report accurate and verifiable data. Continued reporting of a Non-Pay Disconnect from XXXX in XXXX is re-aging and misreporting a direct violation. 

Additional Concerns : There is no documentation proving I authorized this debt This item may have been re-aged, violating FCRA & FDCPA There is no payment history proving the balance is valid Reporting a charge-off more than 2 years post-disconnect signals abusive data retention and noncompliance Requested Action : You are required to delete this item immediately. I am enclosing : A copy of my government-issued photo ID Proof of Social Security Number Proof of current address ( utility bill or bank statement ) I demand written confirmation of the accounts deletion within 30 days, or I will escalate this case to : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The California Attorney Generals Office Your failure to act constitutes willful noncompliance and opens the door to federal litigation under FCRA 616 and 617

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: CA

Complaint narrative:
I am submitting this complaint against Experian for failing to properly investigate and remove XXXX inaccurate and unauthorized XXXX  accounts from my credit report. 

These accounts were reported by a third-party debt buyer. I do not acknowledge these debts. They are not mine. I have no contract or financial relationship with this company. I disputed all XXXX accounts with Experian, requesting a full investigation and deletion. 

Experian responded by stating the accounts would remain without providing any supporting documentation or valid proof of the alleged debts. This is unacceptable and appears to be a failure to conduct a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ). Experian has a legal obligation to verify disputed information with original documentation, not simply rely on data furnished by a debt buyer. 

If no original contract or proof of debt can be produced, the information must be removed. Continuing to report these unverifiable accounts is a violation of my rights and is damaging my credit profile.

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 2025-07-20 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: AL

Complaint narrative:
I submitted a complaint against the Bureaus a month ago, but the inaccurate information on my report remains unchanged. Surprisingly, I have not received any response or acknowledgment from them, and my complaint has already been closed. I am seeking clarification on why my complaint was closed without addressing the issue or verifying my dispute. I need assurance that they have thoroughly investigated the inaccuracies and validated the accounts on my 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 2025-07-20 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have filed complaints with the three bureaus regarding the status of my credit report, which still contains negative items. The incorrect information listed on my credit report has greatly affected me due to the unfavorable perception from creditors. I am seeking to have the negative items removed from my credit report. Therefore, I am requesting your assistance with this matter. If the credit bureaus do not take action, I am prepared to take legal action against them for the damage this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have filed a complaint many times regarding the negative accounts on my credit report. I want these negative accounts removed and the responsible parties held accountable. I want them to be fined due to the impact of inaccurate reporting on my credit report. If nothing happens with this complaint, I will file a lawsuit against them, and they should be held responsible for their actions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: FIRST ADVANTAGE CORPORATION
State: FL

Complaint narrative:
I am disputing inaccurate rental-related information being reported A rental collection account originally tied to XXXX XXXX/ XXXX appeared on my credit report, but it was successfully removed after investigation proving the debt was either inaccurate, not mine, or unverified. 

Despite this, your company appears to still report this or related tenant information, which is now negatively affecting my ability to secure housing. 

I have attached documentation that : Shows this account was removed from my credit reports ( XXXX ), Proves I was living at a different address during the entire time in question, and Confirms this debt or rental issue is not mine. 

This is a violation under the Fair Credit Reporting Act ( FCRA ), and I request immediate removal and full deletion from your system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: CA

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 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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

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 2025-07-20 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: KS

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, 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 2025-07-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
I received a collection on my credit report for the amount of {$1400.00} of unpaid rent. I have a picture that I took on XX/XX/XXXX of my rental portal and my amount due. There is a payment of {$1400.00} to the leasing company. It says after this was paid I had a remaining balance of {$120.00}. Now after I have received the collection I went back to review my rental portal and they changed this to a collection. I paid this at the time it was owed via cash to the rental office when I was signing paperwork to break my lease. It reflected it on my rental portal and I have a picture. Now it under collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-20 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:
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, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
In XX/XX/2025, I was scammed by an individual online who sold me a fake event ticket. I paid {$150.00} through my Chime checking account, but the ticket was never delivered, and the seller disappeared immediately after the transaction.

I contacted Chime promptly and submitted a fraud dispute. Despite providing evidence that the seller misrepresented the transaction and failed to deliver the product, Chime denied my dispute without fully explaining the reason. I was told the charge would not be reversed, even though it clearly involved third-party fraud.

As a consumer, I expected Chime to conduct a full and fair investigation under Regulation E. I believe Chime failed to properly review my claim and did not exercise due diligence in evaluating the fraudulent nature of the transaction. I am now out {$150.00} with no product and no protection.

I am requesting that Chime re-examine this dispute and issue a refund for the unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am trying to log in to my experian account for my free credit report and to correct errors. I haven't done this in many years. My old account has old phone number and email address that I no longer have access to. 

Experian online will not let me change my phone number or email address without the other, so this is impossible. 

Experian has no help or online contact for help. 

Experian automated phone message says they can't do it by phone, that I have to log in online to change my phone or email address, so this is impossible. 

Experian by phone says there is no representative, only automated phone messages, so this is impossible. 

So everything is impossible with Experian with no legitimate way to contact it by either log in, by online help or by phone help.

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 2025-07-21 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: AL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: CA

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