vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: GA

Complaint narrative:
On or around XX/XX/year>, I was alerted that a previously closed and deleted collection account from XXXX XXXX XXXX was illegally reinserted into my credit file without proper notice, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ).

The same occurred with a second account reported by XXXX. These accounts had previously been deleted/closed after dispute, and their unauthorized reappearance caused a significant drop in my credit score ( over XXXX ), leading to emotional distress and potential credit denials. 

I never received any notice within the required XXXX business days of reinsertion from the credit bureaus or the furnishers. This is a clear violation of the FCRA, and demonstrates a pattern of negligence and reckless disregard for my consumer rights.

Please be advised that I am preserving all legal rights and remedies available to me under federal and state law, including but not limited to the filing of formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Office of the Attorney General, and pursuit of a civil claim or arbitration for damages.

Should you fail to remove these inaccurate entries within 15 calendar days, I will initiate legal action without further notice.

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX All Rights Reserved. UCC 1-308.

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 2025-07-26 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: GA

Complaint narrative:
On or around XX/XX/year>, I was alerted that a previously closed and deleted collection account from XXXX XXXX XXXX was illegally reinserted into my credit file without proper notice, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ).

The same occurred with a second account reported by XXXX. These accounts had previously been deleted/closed after dispute, and their unauthorized reappearance caused a significant drop in my credit score ( over XXXX ), leading to emotional distress and potential credit denials.

I never received any notice within the required 5 business days of reinsertion from the credit bureaus or the furnishers. This is a clear violation of the FCRA, and demonstrates a pattern of negligence and reckless disregard for my consumer rights. 
Please be advised that I am preserving all legal rights and remedies available to me under federal and state law, including but not limited to the filing of formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Office of the Attorney General, and pursuit of a civil claim or arbitration for damages.

Should you fail to remove these inaccurate entries within 15 calendar days, I will initiate legal action without further notice.

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX All Rights Reserved. UCC 1-308.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ON XX/XX/XXXX, APPROXIMATELY XXXX XXXX, I SPOKE WITH XXXX ( US CUSTOMER SERVICE DEPARTMENT ). EXPLAINED THE MULTIPLE ATTEMPTS DISPUTING THE XX/XX/2025 PAYMENT SHOWING LATE, AND PROVIDING PROOF, I MADE XXXX PAYMENTS IN XXXX FOR A TOTAL OF {$140.00}. XXXX PAYMENT FOR {$120.00} AND THE OTHER {$25.00}. SEE ATTACHED SCREEN SHOTS OF PAYMENTS. 

XXXX CONFIRMED DURING THE CALL, THE XXXX PAYMENT WAS MADE ON TIME ( LESS THAN XXXX  DAYS ) AND SHE ADDED NOTES INTO THE SYSTEM. 

MULTIPLE REQUESTS HAVE BEEN MADE THROUGH CFPB, MAIL, AND CREDIT AGENCIES, AND YOU ARE VIOLATING MY FCRA RIGHTS BY YOUR DISHONEST INVESTIGATION RESULTS. 

IF MY CREDIT REPORT IS NOT FIXED BASED ON THIS ADDITIONAL INFORMATION, I WILL RETAIN A LAW FIRM AND XXXX FOR THE WILLFUL RUINING OF MY CREDIT AND ALLOWING THIS TO CONTINUE.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
ON XX/XX/XXXX, APPROXIMATELY XXXX XXXX, I SPOKE WITH XXXX ( XXXX CUSTOMER SERVICE DEPARTMENT ). EXPLAINED THE MULTIPLE ATTEMPTS DISPUTING THE XX/XX/year> PAYMENT SHOWING LATE, AND PROVIDING PROOF, I MADE TWO PAYMENTS IN XXXX FOR A TOTAL OF {$140.00}. ONE PAYMENT FOR {$120.00} AND THE OTHER {$25.00}. SEE ATTACHED SCREEN SHOTS OF PAYMENTS. 

XXXX CONFIRMED DURING THE CALL, THE XXXX PAYMENT WAS MADE ON TIME ( LESS THAN 30 DAYS ) AND SHE ADDED NOTES INTO THE SYSTEM. 

MULTIPLE REQUESTS HAVE BEEN MADE THROUGH CFPB, MAIL, AND CREDIT AGENCIES, AND YOU ARE VIOLATING MY FCRA RIGHTS BY YOUR DISHONEST INVESTIGATION RESULTS. 

IF MY CREDIT REPORT IS NOT FIXED BASED ON THIS ADDITIONAL INFORMATION, I WILL RETAIN A LAW FIRM AND XXXX FOR THE WILLFUL RUINING OF MY CREDIT AND ALLOWING THIS TO CONTINUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: MI

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy.

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 2025-07-26 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: DISCOVER BANK
State: MI

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-26 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: TX

Complaint narrative:
So I keep getting unauthorized transactions and keep replacing my card and it keeps happening and just recently disputed a charge of XXXX dollars that was XXXX miles away from me and they said that it was a legitimate transaction and Ive never been there. I had a XXXX appointment that day and I stayed home because I couldnt drive. I keep on losing money. Because chime doesnt have a security to protect accounts. Im tired of losing money and now Chime wont give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
This repossession from XXXX XXXX  occurred in XXXX of XXXX and they have it on my account like it just occurred XXXX of XXXX I had had that vehicle for 54 of the 57 months of the long-term I never got a any type of correspondence about the repossession or the sale of the car I never even received a deficiency balance notice letter I just looked up and it was on my credit report saying that I still owe {$10000.00} with the exact amount that I paid for the car and that I owed XXXX before the auction after the auction they sold the car for {$5500.00} which means that my balance was only like {$2100.00} everything that they put on my credit report is false and they know that XXXX XXXX also have on my credit report that I was late in XXXX and XXXX of XXXX with the payment and they repoed my car in XXXX of XXXX, these credit reporting agencies has violated every law according to repossessions of under the FCRA code 15 US code 1681 ( 2 ) 2 and I want it investigated and I want it taken off of all three of my credit reporting agencies Experian TransUnion and Equifax this is against the law I'm not sure what this fund is that you all have that you pay consumers out of but I need this removed off my credit report it has stopped me from getting a car because they have it looking like I it just happened in XXXX of XXXX I'm trying to get on with my life I just got over homelessness I've been XXXX  as a XXXX  for 2 years and I need a reliable car so that I can go back to work and this account is stopping me from achieving that

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 2025-07-26 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: FL

Complaint narrative:
This repossession from XXXX XXXX  occurred in XXXX of XXXX and they have it on my account like it just occurred XXXX of XXXX I had had that vehicle for 54 of the 57 months of the long-term I never got a any type of correspondence about the repossession or the sale of the car I never even received a deficiency balance notice letter I just looked up and it was on my credit report saying that I still owe {$10000.00} with the exact amount that I paid for the car and that I owed XXXX before the auction after the auction they sold the car for {$5500.00} which means that my balance was only like {$2100.00} everything that they put on my credit report is false and they know that XXXX XXXX also have on my credit report that I was late in XXXX and XXXX of XXXX with the payment and they repoed my car in XXXX of XXXX, these credit reporting agencies has violated every law according to repossessions of under the FCRA code 15 US code 1681 ( 2 ) 2 and I want it investigated and I want it taken off of all three of my credit reporting agencies Experian TransUnion and Equifax this is against the law I'm not sure what this fund is that you all have that you pay consumers out of but I need this removed off my credit report it has stopped me from getting a car because they have it looking like I it just happened in XXXX of XXXX I'm trying to get on with my life I just got over homelessness I've been XXXX  as a XXXX  for 2 years and I need a reliable car so that I can go back to work and this account is stopping me from achieving that

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have neither authorized this inquiry nor engaged in any discussions with the lender on that date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MN

Complaint narrative:
My Chime account was accessed without my permission after someone took my XXXX. A girl who had possession of my XXXX used it to send unauthorized transactionsspecifically multiple {$50.00} transfersfrom my Chime account. I did not authorize these transactions, and I filed a police report as soon as I found out. Despite that, Chime has continued to deny my dispute. I am requesting a full investigation and reimbursement of the stolen funds. 

The person was not allowed to use my XXXX or access my account. 
I did not give her my passcode or permission to make any transfers. 
A police report has been filed, and I have the report number if needed. 
I reported the fraud to Chime as soon as I noticed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
Ive Sent in paper work to report a data breach and fraudulent activity on my account. My personal information was exposed in a breach, and l 've noticed suspicious transactions on my account. 
XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
Ive Sent in paper work to report a data breach and fraudulent activity on my account. My personal information was exposed in a breach, and l 've noticed suspicious transactions on my account. 
XXXXXXXX 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 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
THESE ACCOUNTS BELOW ARE FRAUDULENT OPENED UNDER FALSE PRETENSE. I AM AN VICTIM OF IDENTITY THEFT. 

1. ) NAVY FEDERAL CR UNION Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/year>2018 2. ) NAVY FEDERAL CR UNION Account number XXXX Account type Credit card Responsibility Individual Date opened XXXX/XXXX/2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp.
State: KY

Complaint narrative:
Complaint : I am filing a complaint against TrueAccord for failing to comply with their legal obligation to provide a written response within 5 days of initial contact regarding a debt.

I was contacted by TrueAccord about an alleged debt, and I promptly requested written verification of the debt. However, more than 5 business days have passed, and I have not received any response or documentation by mail as required under the Fair Debt Collection Practices Act ( FDCPA ).

This delay in providing verification is preventing me from fully understanding or validating the nature of the debt, which is causing unnecessary stress and confusion.

I am requesting that the CFPB investigate this matter and require TrueAccord to fulfill their obligation to provide the written notice and validation of the debt in a timely manner. 

Thank you for your attention to this matter.

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 2025-07-26 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: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AS A RESULT OF THE EQUIFAX DATA BREACH. I HAVE SENT MULTIPLE LETTERS TO EQUIFAX & EXPERIAN THAT PROVIDED PROOF I WAS A VICTIM OF IDENTITY THEFT, AS WELL AS IDENTIFIED THE SPECIFIC ITEMS AS IDENTITY THEFT. UNDER FCRA 15 US CODE 1681c-2 THE BUREAUS ARE REQUIRED TO BLOCK ANY INFORMATION I IDENITIFY AS IDENTITY THEFT UNTIL THEIR INVESTIGATION IS DONE AND THEY HAVE REFUSED TO DO SO. I HAVE CALLED EQUIFAX AND EXPERIAN AND ASKED, DEMANDED AND COMPLAINED AND THEY REFUSE TO COOPERATE. I DEMAND THAT THESE ACCOUNTS BE REMOVED AND BLOCKED BECAUSE THEY ARE " NOT MINES '' FURTHERMORE THE COMPANY CAN NOT PROVE THAT WAS ME AND EXPERIAN EQUIFAX OR THE COMPANIES HAVENT PROVIDED ANY INFORMATION TO ME SHOWING PROOF THAT THESE ACCOUNTS ARE MINE. THEY DID NOT GO TO MY ADDRESS. THEY ARE FRAUDULENT. PLEASE SEE FOLLOWING ACCOUNTS THAT SHOULD BE REMOVED : EXPERIAN ACCOUNTS THAT NEED TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$58000.00} EQUIFAX ACCOUNTS THAT NEED TO BE REMOVED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$18000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$58000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
have been a loyal Chase XXXX XXXX for years. On XX/XX/XXXX, I received a letter stating that my checking account and credit cards would be closed by XX/XX/XXXX. The letter was dated XX/XX/XXXX, but it only arrived 10 days later, giving me very little time to respond or ask questions. 

This decision came without any clear explanation. I was previously warned once last year, but that warning was only related to my checking account. I went to a local branch at that time, and they assured me everything was fine. I have never received any warnings or issues regarding my credit cards. Since then, I have not done anything suspicious or illegal. 

I have always used Chase as my primary bank and preferred to keep most of my funds in my checking account for convenience. Sometimes, I deposited cash received from my former husband, who supports me financially. He used to work in construction and was often paid in cash. All of my transactions were personal. I have never used my accounts for business or anything questionable. 

I also take my credit cards seriously. I never used them to withdraw cash or make large overpayments just regular purchases and payments, sometimes in cash. Ive never had a single issue or complaint regarding my credit cards. 

Despite this, the letter stated that my credit cards would also be closed, not just my checking account. This was especially upsetting because these include my oldest card and my recently opened Chase Sapphire Reserve, which are very important to me. I rely on them for daily expenses, travel, and maintaining my credit history. 

This decision is likely to negatively impact my credit history and score, especially since I have not received any explanation as to why my credit cards not just my checking account are being closed. These are my oldest and most important cards, used responsibly over many years. Im deeply concerned about how this may affect my credit profile and financial stability. 

I contacted Chases Executive Office on XX/XX/XXXX and submitted an appeal. I was told someone would reach out within 25 business days, but I didnt hear back. I called again on XX/XX/XXXX and was connected to a representative now assigned to my case. She said she still has no update because the internal department she contacted has not responded yet. As of today, I have received no explanation and no resolution. 

I respectfully ask the CFPB to help investigate this issue, especially regarding my credit cards, which were in good standing and essential to my financial health. I hope Chase will reconsider this decision or at least provide a clear explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
Company did not inform me of car being auctioned or give me a time date or place the car was being auctioned company sold car and is still reporting the original balance on my credit report delete all accounts with this company

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