vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Chime Financial Inc
State: IA

Complaint narrative:
I am sending this letter to you in response to a notice I received from you on XX/XX/year> Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that
you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.

If your offices have reported invalid information to any of the three major Credit Bureaus XXXX XXXX XXXX XXXX XXXX  ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TN

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : CXXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX - Account Number XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In XX/XX/year>, we attempted to transfer XXXX Chase XXXX Rewards points to an authorized users XXXX account. After Chase said the initial transfer failed, a representative initiated a second transfer to the same account. A few days later, another rep advised canceling that attemptsince the points still hadnt transferredand instead transferring the points to the primary cardholders XXXX account. We only authorized this third and final transfer. In our Chase account history, only XXXX deduction of XXXX points appeared in XXXX. 

On XX/XX/XXXX, we received confirmation that the third transfer ( to the primary account holders XXXX account ) was successful and called the airline to finalize the reservation. Both XXXX numbers were listed on the booking, so we assumed the miles had come from the correct ( authorized ) transfer. We had no reason to believe Chase had also completed the earlier transfer to the authorized users account. We later discovered that Chase had processed both the second and third transferstotaling XXXX pointseven though only XXXX transfer was intended and authorized. The miles in the primary XXXX account remain untouched, which further supports our claim. 

In XXXX, Chase deducted another XXXX points from our accountwithout any notice or authorizationeven though the points balance wasnt high enough to support it. This put our account in a negative balance, and every point weve earned since has been used to pay down that error. As of XXXX, our balance remains negative and we have been unable to use the rewards program for over XXXX months. This ongoing penalty is due entirely to XXXX error, not ours. 

We discovered the issue in early XXXX and have since contacted Chase multiple times. In XXXX, a representative admitted the initial investigation was incomplete and promised resolution within XXXX days. As of XX/XX/XXXX, there has been no resolution. Chase now claims they are waiting to retrieve points from the airline, despite the fact that both transfers were initiated by Chase, and only XXXX was authorized. Throughout this process, Chase has refused to take responsibility for the months of stress, lost time, and the fact that weve been unable to access or redeem the rewards we rightfully earned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Unity Asset Management
State: TX

Complaint narrative:
I am being repeatedly contacted by a debt collection agency identifying themselves as Unity Asset. A caller named XXXX XXXX left a voicemail stating he was calling regarding a personal matter and referred to a file number ( XXXX ). The call came from XXXX, extension XXXX. 

On Wednesday XX/XX/year>2025, this company : Called my workplace at XXXX XXXX Called my mother at XXXX XXXX  Called me personally at XXXX XXXX  This is an excessive and invasive pattern of contact. I have not given permission for them to contact my job or any third parties. My employer does not allow personal calls at work, and this contact could jeopardize my employment. 

The message they left was intentionally vague and designed to sound legal or threatening. They have not sent me anything in writing, which violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), including my right to : Written debt validation Privacy from third-party disclosure No workplace contact once requested I am asking for a full investigation and enforcement action if this company is violating the law. I want all communication to third parties and my place of employment to stop immediately, and I request all future communication be in writing only.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I am writing to formally dispute the presence of accounts being reported under my name without my knowledge, consent, or authorization. I have never opened, authorized, or managed these accounts. Their inclusion on my credit report is entirely inaccurate and misleading, and it represents a serious breach of the integrity of my financial profile. 
This situation is completely unacceptable. These unauthorized accounts are damaging my creditworthiness and causing undue stress. I require an immediate and thorough investigation to determine how and why these accounts were reported under my identity, and by whom.

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 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have a twin with the same birth date and similar SSN. Transunion assigned my brother 's information to my SSN. I have made many attempts to fix this including calling several times. The time I called in XXXX was the first time I got anyone to admit that there was an issue. They said a supervisor would call me within 3 days. They never called. I called again today and they suggested that mailing in my dispute may help. They said they would email me the form to mail but I still have not received it. I still have no resolution.

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 2025-07-17 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: MS

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-17 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: MS

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Miscalculated Payments, Incorrect Payment History I believe there is inaccuracies in my load records, potentially violating my rights under the FCRA & FDCPA. All information must be complete, accurate and verified. I request that you provide clarification on any discrepancies and detailed account of how the information is calculated. 
Account : Department of Education/ Nelnet XXXX XXXX Balance : {$5600.00} Account is reporting that i met my terms in XX/XX/XXXX but reporting XXXX XXXX XXXX Days Late Payment, XXXX XXXX XXXX  Days Late payment, XXXX XXXX XXXX Days Late Payment, XXXX XXXX XXXX  days Late Payment, XXXX XXXX XXXX  Days Late Payment. 
Last Payment Date XX/XX/XXXX But XXXX received is {$0.00} no record of payment is being recorded. 
No payment history or payment amount reported. 
No XXXX delinquency date reported. 
I am requesting a copy of my payment history, Total amount borrowed and any outstanding balance. 
The terms and conditions of the loans including interest rates and repayment schedules. 
Documentation related to the loans including promissory notes and disclosures. 
Information regarding any past due amounts or defaults if applicable. 
Please respond to this request within the timeframe specified by FERPA, as i need to ensure my records are accurate and complaint with consumer law. 

The Fair Credit Reporting Act : Generally, limits the reporting of most negative credit information to seven years. This includes late payments, collection accounts, charge off accounts. Specifically for collection accounts and charge off accounts the seven-year period begins XXXX  days after the initial delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I am being charged taxes in escrow due to a system limitation by Newrez. Because XXXX  Property Taxes are paid in arrears, your company can not override my escrow will increase? I am being pushed into a financial hardship because no one knows how to override the company tax line? 

Newrez purchased the loan from XXXX XXXX XXXX  which had the correct escrow inputs. NewRez then restructured the loan during an escrow analysis and 'wont ' fix it. The XXXX Department confirmed the exemption, XXXX XXXX tax assessors are willing to talk to Newrez directly, and I have an exemption up to {$160000.00} ( Its called partial because it not unlimited ).

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 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I attempted to transfer {$11000.00} to my XXXX account. Because there was a transfer limit, I called PenFed. The representative told me I could open a Premium Savings account, which has a {$25000.00} transfer limit, and said I could transfer the funds immediately. I proceeded to do this, but my transfer was later canceled and I was instructed to call back. 

At that point, PenFed required me to provide proof of account ownership, even though I have transferred funds to this XXXX account multiple times in the past without issue. I explained that I was uncomfortable providing a full statement, because my XXXX statement includes information on all of my accounts, balances, and other sensitive details. I have numerous accounts with XXXX, and I do not believe this information is relevant to the transaction. 

I offered to provide only Page 1, which shows the XXXX header with my identifying information, and Page 10, which shows the specific account in question. Despite this, PenFed refused to accept the documentation and forced me to remove my external account link. My XXXX statement includes details about highly sensitive accounts such as my HSA ( which contains health-related transaction information subject to XXXX protections XXXX, as well as my 401 ( k ), Roth IRA XXXX and other investment accounts that are unrelated to this transaction.

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 2025-07-16 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: MS

Complaint narrative:
I can not log in my account and when Ive tried to ask for a credit report on phone it says I cant be understood when I was clearly saying it twice. It shouldnt take me hours just to not speak to a live agent. I got credit reports from my other credit bureaus but not Experian. The only credit bureau with accuracy. I have all the information to give to update my phone number and email address. Its been way too long to try to get my account updated.

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 2025-07-16 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: MD

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint and request an investigation into several negative items being reported on my credit file that I believe to be inaccurate, unverified, or outdated. 

Despite my previous disputes with the credit bureaus, I have not received sufficient documentation showing how these items were verified. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit report, and to request reinvestigation of questionable items. 

The following accounts are being disputed : XXXX. XXXX Account XXXX. ending in XXXX Closed, with past due balance of {$1300.00}. 
XXXX. XXXX Account XXXX. ending in XXXX Charged off with {$260.00} written off. 
XXXX. XXXX XXXX XXXX Account No. ending in XXXX XXXX account for {$1500.00}. 
XXXX. XXXX XXXX Account XXXX. ending in XXXX Charged off, {$6100.00} written off. 
XXXX. XXXX written off. 
XXXX. XXXX Account XXXX. ending in XXXX Charged off, {$3200.00} written off.

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 2025-07-16 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: NY

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and my credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and my credit health.

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 2025-07-17 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: PA

Complaint narrative:
Earlier today, I reviewed my credit report like I normally do, but this time I came across several discrepancies that werent there before. I even tried refreshing the page thinking it might just be a technical glitch, but the inaccurate accounts remained. Due to this, I kindly request that the documents I submitted be thoroughly reviewed so I can finally stop stressing over this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Found an address on my credit report personal information that is fraudulent. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX I need a report for fraud to remove this from my XXXX  personal information. Can you give me a report number?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation