vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: VA

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 non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: James E. Albertelli, P.A., a Florida professional association
State: NC

Complaint narrative:
My husband died XXXX XXXX. He was on the mortgage & we were both on the deed. We hadn't received anything from USDA in years. I heard nothing after his death which was reported to the Social Security Master Death Index. I was checking our local Register of Deeds in XX/XX/XXXX & saw that Albertelli of NC had been placed as a sub trustee without our knowledge not long after the NC Housing portion of our mortgage was paid off. When I learned that this was often done immediately prior to foreclosure, I contacted USDA to see what was going on. On XXXX XXXX I received a Deceased Borrower 's Packet from USDA via email which was completed & returned XXXX XXXX via UPS Signature Required Delivery. We also drove to XXXX to the USDA location & the building manager, XXXX XXXX, informed us that everyone worked from home now. We went to NC XXXX for guidance XXXX XXXX XXXX XXXX contacted Albertelli & let them know that they were not following NC State law requiring the homeowner to be notified. Neither of us heard anything from Albertelli. I used the XXXX XXXX in the XXXX XXXX, NC XXXX XXXX to send money so that USDA would at least be aware of my existence. We were told by the XXXX, NC USDA office that applications were delayed months. We never heard anything from anyone. Not until XXXX XXXX when I received a letter from Information Systems stating that it was a 45 Day Pre-Foreclosure Letter addressed to my deceased husband stating that said the last payment was made in XX/XX/XXXX. We have lived in this house since we closed on XXXX XXXX. I submitted a letter to USDA, Alberrtelli, & Information Systems via UPS Signature Required Delivery stating that I was the widow of the mortgage holder, I was on the deed, & was wanting to assume the mortgage per federal protections provided by the XXXX XXXX XXXX XXXX Act of 1982 which I have been denied. We have also been dealing with mail theft for which I have submitted over 20 complaints to the USPS, USPIS, USPS OIG, & the Alamance County Sheriff 's Office to which we have not had any response. It is suspected that local law enforcement who has been harassing my family & buying up a large amount of property near me as new construction being built is currently over 100 acres is behind the mail theft & complete cut off in communications. Within days of receiving the 45 day letter, my daughter disappeared & I was advised on XXXX XXXX that I needed to start dialysis immediately as I am in advanced XXXXXXXX XXXX  I am currently attempting to file a Quiet Title Action & injunction in Alamance County Superior Court as I was not notified of the sub trustee being added or provided the opportunity to assume any remaining mortgage upon my husband 's death per federal law as well as a public corruption lawsuit in federal court regarding the harassment & targeting by local law enforcement who has repeatedly told me to sell my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Subject : Deceptive Practices by Routes Car Rental and Citibank 's Failure to Investigate To Whom It May Concern, I am submitting this complaint regarding a transaction I disputed through my credit card issuer, Citibank, involving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The problems I encountered include : Forced Insurance Purchase Although the company clearly states that insurance is optional and accepts personal insurance, I was refused the rental unless I bought their insurance. I had valid coverage, but they still demanded payment. This is coercion and contradicts their written policy.

Vehicle Downgrade ( Bait and Switch ) I reserved and paid for a mid-size XXXX XXXX XXXX XXXX XXXX XXXX, but was given a small SUV ( XXXX XXXX  ). When I pointed out the downgrade, I was ignored. This is a clear bait-and-switch.After my strong protest, they reluctantly agreed. 

Pattern of Misconduct Numerous online reviews confirm that this company regularly forces customers to buy insurance and provides smaller vehicles than reserved. 

Theyll swap the car you reserved for a smaller XXXX XXXX ( XXXX weeks ago ) They refuse to give you the car unless you buy optional insurance XXXX XXXX ( 1 month ago ) .These supports my case. 

At the same Airport, Using the same Citi card, I rented a car from XXXX XXXX rent without being forced to buy insurance and I was able to get the car .the same credit card Citibanks Failure to Investigate I disputed the charge, and Citibank twice responded with only the merchants replyno investigation, no accountability, no protection. Their conduct is careless and fails to meet the standard of a responsible card issuer.

This is not a minor billing error ; its a deliberate pattern of abuse by a rental company, and my card issuer is complicit by refusing to take proper action. 

I am requesting the CFPB to : Require Citibank to properly investigate and resolve this dispute Ensure Citibank is held accountable for not protecting consumers Help me recover the unfair charge Sincerely, 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 monetary relief
Consumer complaint received 2025-07-18 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account with the last XXXX digits of the account number ending in XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the rights to privacy. 15U.S.C1681 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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 2025-07-18 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 dispute a XXXX  that appears on my credit report. I did not file for XXXX, and I strongly suspect this entry is the result of identity theft or a clerical error. This is a serious matter under the Fair Credit Reporting Act. Please initiate an investigation and provide documentation used to verify the accuracy of this XXXX  listing.

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 2025-07-19 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:
Follow-Up on Complaint # XXXX No Response from XXXX After 15 Days I am following up on my complaint regarding XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX which was submitted on XX/XX/2025. It has now been over 15 days, and XXXX has failed to respond within the required timeframe set by the CFPB. I am formally requesting that this matter be escalated for independent investigation. 

My original complaint outlined that XXXX reported my student loan as severely delinquent ( XXXX, XXXX, XXXX, and XXXX days late ) for the months of XXXX through XX/XX/2025. This occurred while my XXXX application was submitted and pending during a documented federal data breach that directly disrupted Department of Education servicing systems. I later resubmitted my application, and XXXX confirmed receipt on XX/XX/2025. My account was brought current on XX/XX/2025. 

Despite all of this, XXXX reported damaging and misleading information, and their lack of response to this formal dispute further reflects mishandling of this issue. My complaint cites relevant federal laws under the FCRA, the Higher Education Act, FERPA, and the Privacy Act all of which establish borrower protections during administrative disruptions and require data furnishers to report accurate and complete information. 

I am again requesting the removal of late payments for XXXX through XX/XX/2025 and immediate correction of my credit file. This situation stems entirely from system failures outside of my control, and XXXX continued silence is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Experian Transunion XXXX EQIFAX ARE ALL REFUSING TO GIVE ME ANY INFORMATION ON HOW THEY DID AN INVESTIGATION OR EVEN WHO THEY HAVE REACHED OUT TO TO VERIFY ACCOUNTS. THESE REQUEST HAVE BEEN MADE VIA PHONE CALLS LETTERS AND DISPUTES. THEY HAVE RECEIVED THEE FTC REPORT AND WILL STILL NOT DO ANYTHING

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Experian Transunion XXXX EQIFAX ARE ALL REFUSING TO GIVE ME ANY INFORMATION ON HOW THEY DID AN INVESTIGATION OR EVEN WHO THEY HAVE REACHED OUT TO TO VERIFY ACCOUNTS. THESE REQUEST HAVE BEEN MADE VIA PHONE CALLS LETTERS AND DISPUTES. THEY HAVE RECEIVED THEE FTC REPORT AND WILL STILL NOT DO ANYTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
There are unauthorized inquiries that do not belong to me, this is wrong and i never applied for this my credit has been a victim of identity theft 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

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 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
Subject : Urgent Complaint Fraudulent Transaction and Lack of Support To Whom It May Concern, I am writing to formally file a complaint regarding a fraudulent transaction I reported immediately, and Chimes failure to support me as a customer during this distressing experience.

On [ XXXX XXXX XXXX ], my fiance and I attempted to purchase a personal computer from an individual named XXXX XXXX in a public parking lot. We have previously bought items from himincluding a TV and gaming systemwithout any issues. This time, we intended to purchase the PC as a gift for our son before he returns to school. 

After inspecting the PC, I informed XXXX XXXX that I wanted to purchase it. While I was in the process of sending {$240.00} to XXXX XXXX via Chime, he pretended to retrieve something from his vehicle. As I turned to grab the PC from the backseat, XXXX XXXX suddenly jumped into his car and sped offnearly hitting my fiance in the processand left with both the money and the PC. 

I immediately attempted to cancel the transaction and contacted Chime customer service within minutes of the payment. Despite explaining that I had been the victim of theft, I was told nothing could be done. I have since submitted a request for reversal and provided clear evidence including : Text messages from XXXX XXXX admitting to the situation and saying he would make it right A full timeline of events that aligns with the transaction timestamp and my customer service outreach After promising to resolve the situation, XXXX XXXX has now blocked me. I am now left with no product, no response from him, and no support from Chime. The {$240.00} that was taken from us was meant to go toward something special for our child, and this situation has left us emotionally and financially distressed.

I am asking Chime to take another serious look at this case. I took the appropriate action immediately and have the receipts, screenshots, and communication history to prove it. At the very least, I expect Chime to honor its responsibility in protecting customers from fraud and to reverse or reimburse the transaction.

Please confirm receipt of this message and inform me of the next steps. I am prepared to escalate this matter further if necessary, including submitting complaints to the CFPB, Better Business Bureau, and other regulatory agencies. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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:
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 non-monetary relief
Consumer complaint received 2025-07-19 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: AZ

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 non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
Yesterday on XX/XX/year> I tried again to connect my card ending in XXXX XXXX  to pay for XXXX  and things like that. They blocked me from calling in and therefore i can not verify my XXXX XXXX. this is only due to the person vendetta Navy Federal have against me I have ask for you help multiple times. Please stop them from violating my rights. Who else can i call

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation