vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: NY

Complaint narrative:
I had a visit to XXXX XXXX XXXX in XXXX, NY on XX/XX/year>. The day I went, the XXXX person could not figure out how to run my insurance. She said she would take care of it and get it later. I do believe a bill was sent to us XXXX time, and it was for some full amount as if I did not have insurance. My wife asked it to be run by insurance and that was the last I had heard. I get a collection notice for {$230.00} owed to a collection/debt agency. About put me through the roof. I immediately contacted XXXX and they told me my account was closed and I had to take it up with the debt collector. I did, and they said they would re-run my insurance nad let me know. They put my account in dispute, which is great, but I have heard back from none of them since. I will pay for my visit, on what is truly owed, but I am not paying {$230.00} dollars for a XXXX visit when I have insurance and I requested for proof of where my insurance was ever used on the visit. They have not sent that to me at al.. I have have lots of emails I can share and forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-29 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:
Could you please help me investigate accounts that are misreported as late by these companies? Ive reviewed my credit report and noticed these accounts inaccurately display late payment remarks. Those should be removed, and the accounts should be updated to the positive status we agreed upon. One account is also listed as delinquent unjustly ; Id like this to be disputed and corrected to show no late payments.

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 2025-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
On Wednesday XX/XX/year>, I went to obtain my XXXX half of the personal property from XXXX XXXX XXXX XXXX NC, as I was looking and confirming that all items were retrieved, I noticed my legal document had been ripped into pieces. Those papers were in my glovebox of the vehicle, UNDAMAGED!! While the auction was removing my items, my legal document got ripped, no one called to inform me of their mistake nor has anyone reached out to correct the mistake. It is a possibility that XXXX XXXX could have damaged the property, but the auction were the one 's that removed the items. XXXX XXXX then transported my items to their location. I have a photo of the damage property.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
Regrettable, even with the reveral of all late fees, they comapny has reported to all XXXX XXXX XXXX XXXX that I was delinquent. This was after our orginal argument, which got very heated on my side, and they proceded to lock down my account after with was paid in XXXX on XX/XX/year>. After being lock out of my account, I assumed they had been paid in full and had cancelled the card on the account. My assumption was wrong. I find it very " SELF-SERVING '' that one can be lock out of their own account by a Financial Instituition XXXX XXXX UNited States of America and XXXX fees be assigned to the account and while this account is paid in full and is in " Limbo '' they report the so-called delinquencies to all XXXX Equifax, TransUnion, and Experian XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
On XX/XX/XXXX a fraudulent account with Navy Federal Credit Union was open using my information and etc. I contacted Navy Federal about this issue in XXXX. Advising them that I was a victim of identity theft while serving on XXXX XXXX. From XXXX. Despite multiple attempts and dozens of phone calls and emails trying to get this account suspended or just allowing me to get a chance to have a relationship with Navy Federal Credit being that I serve in the XXXX. Each time my security form gets denied without any explanation or reason. The company has now made my social security number not deemed or eligible for any benefits or services the credit union provides for military personnel. Ive uploaded government record documents and police report to show proof of identity fraud while on XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
would like to report XXXX issues. XXXX, I called today and the customer service rep by the ID of XXXX was incredibly rude and unprofessional. She was talking over me, argumentative and had a vile attitude. I do not feel comfortable knowing they let such vile unprofessional and rude people handle my top tier information. XXXX, they took a payment i didnt approve of from my checking to pay off XXXX of my credit card. I called the customer service number on XX/XX/year> to ask to stop the payment and I was promised that my payment was stopped and would be returned to today. Now I'm being informed that is not possible. I want my money back snd the customer service representative to be reprimanded for unprofessional behavior. I need an immediate refund for my payment prior to closing my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: MD

Complaint narrative:
This is my 13th CFPB complaint against Discover Bank ( see prior complaints : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ). 

Discover has engaged in inconsistent and misleading credit reporting in response to my disputes. The account status has been toggled multiple times between disputed, charged off, and closed, often within days of each other. These shifting remarks create the appearance of resolution without actually correcting the underlying inaccuracy. Such tactics mislead other creditors, harm my credit standing, and reflect retaliation rather than good-faith reinvestigation. XXXX has contributed to this confusion by failing to provide timely or lawful validation before Discover altered tradeline reporting, compounding the violation. 

Discover placed my account with XXXXXXXX XXXX XXXXXXXX without any written notice to me and while payments were still being processed through Discovers own system. XXXX then deposited one of my payments before providing any written communication. Their initial dunning letter was postmarked after my dispute was already sent, and their so-called validation packet was only mailed after funds had been collected. 

At no point before taking money did XXXX identify themselves in writing as authorized to collect on my account on behalf of Discover ( or XXXX XXXX, as they later claimed ). This is a direct violation of FDCPA 1692g and 1692e. 

I believe Discover is using XXXX to deflect accountability while continuing to allow collection activity without proper notice, authority, or lawful validation. 

I respectfully request CFPB supervisor review of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
Experian Dispute Department XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX  Account To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of my XXXX XXXX  account on my Experian credit file for the XX/XX/2025 billing cycle. Your system reflected an inflated balance due to delayed updates, despite my partial payment of {$25.00} made on XX/XX/XXXX. Because Experian did not update its records until XX/XX/XXXX, the report falsely indicated an increased debt load, which did not occur. This misrepresentation resulted in a XXXX drop in my credit score. 

This reporting practice violates the Fair Credit Reporting Act ( FCRA ), specifically : - 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy in the data they report.

- 1681i ( a ) which mandates that credit bureaus investigate disputed information within 30 days of notification. 

Additionally, the creditor ( XXXX XXXX ) issues a new bill seven days after the cut-off date, and consumers retain the right to pay within that grace period. XXXX failure to account for this grace period and its monthly reporting cadence creates a distorted view of consumer debt and unfairly penalizes responsible payment behavior. 

I demand that this error be corrected immediately and that my credit score be restored to reflect accurate utilization. Please confirm receipt of this dispute and provide a timeline for resolution. I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Texas Attorney Generals Office if necessary. 

Sincerely,

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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: WA

Complaint narrative:
The collection account ( s ) being reported on my credit file are inaccurate, incomplete, and unverifiable, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ), 1681i ( failure to conduct a reasonable reinvestigation ), and 1681s-2 ( furnishers duty to provide accurate and complete information ). The furnisher has failed to provide documented proof of ownership, a full chain of assignment, and records validating the debt pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, the data being reported is nonMetro 2compliant, containing inconsistencies in dates, balances, and account status across all three major credit reporting agencies. This is an ongoing violation that continues to cause measurable harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-08-29 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: GA

Complaint narrative:
I am filing this complaint because XXXX  and Experian continue to report a late payment history on my account with XXXX  ( account number XXXXXXXX XXXX XXXX XXXX XXXX  dated XX/XX/year> ). The account is clearly marked as Closed & Paid with a XXXX balance and XXXX past due. Despite this, both bureaus are displaying late payments, which is not only inaccurate but materially misleading. 

A late payment notation implies that I am delinquent or was delinquent at the time of closure. That is not the case. The account was paid in full and closed in good standing, meaning there is no valid reason for derogatory marks to remain. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy in reporting. Maintaining late payments on an account that is closed and paid with no balance owed distorts the truth of my credit history.

I have already disputed this error multiple times, yet the so-called reinvestigations have failed to resolve the problem. Under 15 U.S.C. 1681i ( a ), the bureaus are legally required to conduct a reasonable investigation when a consumer disputes an item. It is clear that the reviews conducted were cursory and relied solely on automated verification from the furnisher, which is not compliant with the law. 

The impact of this error has been deeply XXXX. I applied for a small personal loan to cover emergency expenses, and I was offered only subprime lending options with punishingly high interest rates. The denial was explicitly tied to serious delinquency noted on my filethe very same false late payment entries that should not even be there. Beyond the financial harm, this situation has taken a mental toll. It is exhausting and demoralizing to fight against the same inaccuracy over and over again, knowing that the bureaus are supposed to protect consumers, not harm them.

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 2025-08-29 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:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OK

Complaint narrative:
I recieved a Call from a scammer pretending to be a customer service representative from my banking institution Chime Banking, they told me my account was breached and proceeded to send me codes to assure me they would reverse my faulty transactions. Instead they in turn took XXXX $ from my account and hung up never able to be reached. I then called my banking institution explaining what had happed and how they were impersonated, I then Spoke to XXXX representatives and XXXX supervisors about the situation and they all misinformed me and gave me the run around not properly documenting my complaints or the dispute i had to call on XXXX different days to keep getting the run around they lied to me about what disputes could be handled and it wasnt until XXXX the last supervisor XXXX that i spoke with that any progress of proper handling was held with my complaints. The Representatives and Supervisors i spoke with in XXXX and XXXX had lied and mishandled my information dealing with my complaint improper logging of my information and mishandling of my sensitive information, I have since made a police report and am awaiting investigation, i would like to complain on the fraudulent handling of my account done by the customer service agents at Chime from the dates of XXXX, and XXXX. I would like an investigation and proper consequences enacted on my behalf and the future behalf of anyone else that may encounter this misrepresentation of such sensitive information. They have recorded calls and log of each time I've communicated i wiuld like it to be investigated and handled accordingly thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-08-29 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: GA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with explanation