vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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: NC

Complaint narrative:
See all the attached documents and notices sent regarding Experian, Equifax, and TransUnion concerning their debt validation methods that have not been provided despite my prior 3 notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
See all the attached documents and notices sent regarding Experian, Equifax, and TransUnion concerning their debt validation methods that have not been provided despite my prior 3 notices.

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 2025-12-28 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: TX

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, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AL

Complaint narrative:
I am filing a complaint against Chime regarding a denied fraud dispute. My phone was stolen, and unauthorized transactions were made on my account from a device that was not mine. I provided Chime with evidence showing that the account was accessed from an unknown device and that the transactions were fraudulent. Despite this proof, Chime denied my dispute. I am requesting that Chime properly review my case and reimburse the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I dont know who this creditor is was charged off in XXXX. Never heard of them they keep reporting it on my credit I never turned in a car.

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
I am reporting inaccurate and unverifiable credit reporting by SELF FINANCIAL / Lead Bank on my credit report. 
This account is reported as a secured credit card opened in XX/XX/XXXX. The account is currently reporting a balance of {$1300.00} while the reported credit limit is {$1100.00}, which is inaccurate and not properly explained. A secured credit account should not report a balance exceeding the credit limit without clear and documented justification. 
Additionally, the account is reported as 30 days past due as of XX/XX/XXXX, despite being a secured account. The payment history is incomplete, as no recent payment is listed even though a monthly payment obligation is reported. 
The account also includes unverifiable and misleading language stating that it is scheduled to go to a positive status by XX/XX/XXXX, which is not a standard or verifiable credit reporting practice. 
I disputed this account with XXXX XXXX responded that the information was updated, but no corrections were made and all inaccurate information remains unchanged. This indicates that the account was verified without a reasonable investigation or proper validation of the disputed information. 
This inaccurate reporting is causing ongoing harm to my credit profile. I am requesting that SELF FINANCIAL / Lead Bank conduct a proper investigation and correct or remove the inaccurate information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding TransUnion LLC, which is reporting an inaccurate charge-off account on my credit report. 

Account Details : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Disputed Amount : {$8100.00} Date of Original Dispute with TransUnion : XX/XX/year> I initially disputed this account on XX/XX/year>, because the balance reported is incorrect. TransUnion marked the dispute as verified, but failed to provide proper verification of the balance as required under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 

On XX/XX/year>, I sent a Method of Verification ( MOV ) request asking for : The name, address, and telephone number of the party who verified the information The date the verification was performed A detailed description of how the balance was verified Copies of all documentation relied upon, including the original agreement, account statements, and itemized accounting of payments, interest, or fees As of today, TransUnion has not provided adequate verification, which constitutes a violation of the FCRA, and the inaccurate account continues to negatively impact my credit score. 

I am requesting that the CFPB investigate this matter, require TransUnion to either properly verify or remove the account, and ensure my credit report is corrected promptly. 

I have attached : Copy of my original dispute to TransUnion Copy of the Method of Verification letter Proof of identity ( ID and address ) Thank you for your attention and prompt action regarding this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: NJ

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
The company AFFIRM INC is reporting for the same fraud account # XXXX a charge off on XX/XX/XXXX and another charge off for the same account on XX/XX/XXXX. Thus reageing the account to stay 2 years longer on my credit file. My original question still remain unanswered : How can you charge off the same account twice, two different years???????????? Reageing a credit item is a violation of FCRA and FDCPA you cant charge off a account in XX/XX/XXXX and then charge off the same account in XX/XX/XXXX So now the item will remain 2 years longer on credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-28 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: LA

Complaint narrative:
I am the victim of identity theft resulting from a data breach in which my personal identifying information was compromised and unlawfully accessed. As a result of this breach, unauthorized and fraudulent accounts and/or inquiries were reported on my consumer credit report without my knowledge, consent, or authorization.

I did not apply for, open, or benefit from these accounts. They do not represent a valid consumer obligation and are the direct result of identity theft following the data breach.

Despite notifying the credit reporting agencies and the furnishers of this fraudulent activity, the inaccurate information continues to be reported. This failure to promptly block and remove identity theftrelated information violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), including the requirement to ensure maximum possible accuracy and to block the reporting of information resulting from identity theft once properly notified.

Additionally, the improper handling and continued reporting of my compromised personal information reflects noncompliance with the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), which requires financial institutions to safeguard consumer data and prevent unauthorized use following a data breach.

The continued reporting of this fraudulent information has caused substantial harm, including : Damage to my credit score Denial or increased cost of credit Emotional distress and extensive time spent correcting errors I am requesting that the CFPB require the credit reporting agencies and furnishers involved to : 1. Immediately remove all information resulting from the data breach and identity theft 2. Cease any further reporting of these fraudulent accounts or inquiries 3. Provide written confirmation of deletion and corrective action I am exercising my rights under federal consumer protection laws and respectfully request regulatory enforcement to ensure full compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
The Company Cavalry Portfolio Serv put me in collections for {$17.00} in behalf of the company XXXX XXXX. I bought a XXXX from this company this car was so mess up, engine failure everything was an XXXX. I gave up they gave me a reposition they sold the car for $ XXXX in an auction or somebody else. They told me Ive to pay only $ XXXX for the reposition. Time past by and The company Cavalry Portfolio Serv put me in collections for a crazy amount of money. I never sign up a contract with them. And XXXX XXXX sold them a collection contract with wrong information. This destroys my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Phone : XXXX XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) Re : Complaint Request for Verification / Removal of Collection Account XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Dear CFPB, I am submitting this complaint regarding a collection account being reported on my XXXX  credit report by RC/Resurgent Receivables, Account Number XXXX XXXX XXXX XXXX XXXX, in the amount of {$5700.00}, allegedly for PayPal/Webank. 

I previously disputed this account with XXXX  on XX/XX/year>, and it remains on my credit report without proper verification. I do not owe this debt, and RC/Resurgent Receivables is a third-party company with which I am not familiar. 

I am requesting that the CFPB intervene and assist in ensuring the following : TransUnion provides a method of verification for this account, including : Proof that RC/Resurgent Receivables is legally authorized to collect or report this debt. 

A copy of any agreement showing the valid transfer or sale of the account to RC/Resurgent Receivables. 

An itemized statement of the account, including all charges, fees, and payments. 

If proper verification can not be provided, the account should be removed in full from my credit report. 

This situation is causing harm to my credit profile and is being reported by a company I do not recognize. I request that the CFPB take action to ensure compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and confirm the results of the investigation. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made a bill payment for {$260.00} from my Capital One Checking Account ( XXXX ) to my Capital One Quick Silver Card ( XXXX ) on XX/XX/XXXX. Capital One Bank confirmed the {$260.00} was debited from my Checking Account on XX/XX/XXXX and the funds were transferred to Capital One Credit Card electronically that same day. However the Credit Card failed to update my available credit or to process the bill pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$4300.00} XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$5600.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: FL

Complaint narrative:
The company National Recovery Agency put me in collections on behalf of the XXXX XXXX XXXX XXXX XXXX. I gave them all information of my medical Insurance and they forgot it. After reviewing my credit report, I noticed this account and would like to formally request its removal. I respectfully ask that you verify the accuracy and validity of this account. If you are unable to provide proper documentation proving that this debt is accurate, complete, and legally collectible, I request that it be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
Ford Motor Credit Company is reporting an auto loan as both paid and written off despite the account having a XXXX balance and being settled in XX/XX/year>. The account is closed and no longer represents any credit risk. Reporting an account as paid while simultaneously reporting a charge off is contradictory, inaccurate, and misleading. I have disputed this account multiple times without correction. I am requesting deletion of the tradeline or correction to paid as agreed with removal of all charge off notation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a customer of JPMorgan Chase Bank , N.A . I am submitting this complaint regarding my ability to access and share my own checking and savings account data in a secure, consumer-authorized manner. 

I understand that under Section 1033 of the Dodd-Frank Act, consumers have a statutory right to access and share their personal financial data with their consent. In 2024, the CFPB issued a rule intended to implement this right. I am aware that implementation of that rule is currently subject to an injunction and regulatory reconsideration. 

During this interim period, JPMorgan Chase has publicly indicated that it intends to charge fees for access to consumer financial data when such access is requested through third-party services acting with consumer authorization. While these fees may be imposed on intermediaries, they directly affect my ability as a consumer to use financial tools of my choosing and to access my own account and transaction data. 

I have not yet attempted to resolve this issue directly with JPMorgan Chase. I am submitting this complaint to request clarity regarding Chases current policies for consumer-authorized data access, whether fees are imposed in connection with such access, and how Chase ensures that its practices support secure, standardized, and consumer-friendly access to account data.

This issue is ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: FL

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
They have called non stop and numerous times. I have requested that they stop calling me and they do not oblige. 
I also requested that they prove I own this debt and they never provide proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX - Balance : {$430.00} XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$26000.00} XXXXXXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX - Balance : {$1500.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief