vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX my house got broken into and someone stole my birth certificate and my social security card. they applied for a XXXX XXXX  credit card on XX/XX/year> in my name but i saw this hard inquiry on my XXXX XXXX XXXX and immediately called XXXX XXXX to report it as fraud and had the card canceled. but i am still seeing the inquiry on my transunion score. Case number for fraud is XXXX. I did file a police report after the incident because i was in the XXXX and they forced me to report it. I need help getting this inquiry off of my credit report due to the fraudulent activity.

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 2025-10-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MI

Complaint narrative:
I was trying to access my pay through chime financial there system told me I have an outstanding loan balance pay off the loan to get access to my pay... I paid off the loan so I could get access and get an advance on my paycheck through my pay and it never reset or reopened, there system made me contact customer service and there now telling me I have to wait 15 days until my next check hits to get access to my pay, so there system and there methods upfront lied to get me to pay off a loan early which left me struggling and they don't care and don't wan na rectify the situation the agent just ups and leaves and says there is nothing I can do for you bye .. they want me to wait 15 days until my next direct deposit to confirm I still have money coming in....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: PA

Complaint narrative:
I contacted the company to see about XXXX benefits as my spouse had entered XXXX XXXX military. I was told I would see a change within XXXX business days and I have yet to see any changes ( 3 months later ). I wish to recover the overpaid interest to either pay off the remaining balance or get a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: GA

Complaint narrative:
XX/XX/year> : I spoke to XXXX, who stated he could resolve the {$12000.00} for {$9000.00}. Which is a different settle amount that appears on the settlement letter ( {$7200.00} ). He then offered {$7800.00}, and I informed him that I had {$4000.00}. He placed me on hold for approximately XXXX mins while he spoke his manager. XXXX and his Supervisor agreed to settle the balance for {$6000.00}. I told XXXX I would call back around lunch to see if I could come up with more money. XXXX told me that this offer was only good for today otherwise is would {$6800.00}. XXXX wanted to take the {$4000.00} and I could call back in 2 days to pay the remaining amount. 

I immediately call back and requested a validation letter. ( Still Have not received it ) He also verified that the pre rep got approval with an account manager for {$6000.00}, he also put me on hold and spoke to the account manager, and XXXX was the lowest they could accept. At that point I had {$5100.00}. 
I immediately called and spoke to XXXX and requested a Validation of debt letter. 
I called during lunch and I spoke with XXXX XXXX who said he was a manager, said he had no record of the {$6000.00}, and was saying that he could only offer {$6800.00}. He said that because I requested a validation letter, I could not settle. Then he said that I should have taken the offer. The rep then asked if I could come up with the {$6000.00}. I said I could do {$5500.00}. He said that's not an option and place me on hold. He comes back saying {$6800.00} is all they could accept. I explained how this seemed unethical and that I was recording the call. He placed me on hold and comes back saying that the {$6000.00} was a typo by the previous rep. He says do you have the $ XXXX now to pay, I said I thought you said it amount was off the table. He says I'm glad you said that and ends the call. I also informed him that I was recording the call. 

I call again and spoke to XXXX and a XXXX XXXX. They both claimed the same {$6800.00}. I asked for a manager and a lady named XXXX XXXX, claiming to be a manager, she said the rep made an error and offered to set me up on a payment arrangement and that they could not honor the {$6000.00}. XXXX said the rep made an error, b/c he was new and that he made that decision by himself without a manager b/c no manager accessed the account. I said how when he worked with a manager after placing me on hold. She then says, XXXX misunderstood the offer and what the manager was telling him.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
We missed paying off our credit car XXXX month on a deferred interest program. The balance at that time was less than {$13000.00}. They then billed {$7000.00} in interest and will not waive the fee or work with us. This bank is criminal.

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 2025-10-30 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:
XXXX XXXX XXXX XXXX XXXX, TX XXXXEquifax Information Services, LLC\XXXX XXXX XXXX, GA  XXXX-XXXXSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Equifax XXXX  Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Equifax data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\tNAVY XXXX XXXX XXXX2XXXX XXXXXXXX XXXX3.XXXX XXXX XXXXXXXX XXXX4.XXXX XXXXXXXX XXXXXXXX XXXX5.XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX request that Equifax promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activityXXXX XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
I am filing a complaint to follow up on my prior disputes regarding several accounts that continue to appear on my credit report despite lacking proper verification, substantiation, or supporting documentation. These accounts are reported as Charged Off without verifiable proof, including the absence of any 1099-C documentation, and their continued presence on my credit report is inaccurate, misleading, and materially harmful. I am formally demanding the permanent deletion of the following accounts from my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged Off, Balance Owed : {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged Off, Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged Off, Balance Owed : {$6000.00} Under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), credit reporting agencies are required to conduct a reasonable investigation whenever a consumer disputes information. Any information that can not be verified must be deleted from the credit report. Additionally, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that credit reporting agencies maintain maximum possible accuracy of all reported information. The reporting of these accounts as Charged Off, without proper verification or supporting documentation, is a direct violation of this obligation.

Moreover, under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are legally required to report only accurate and verifiable information to credit reporting agencies. The continued reporting of these accounts, without substantiation, misrepresents my financial history and causes tangible harm to my creditworthiness. Reporting accounts as charged-off without proper documentation exposes the credit bureaus to potential legal liability and constitutes a failure to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I am filing this complaint because Credit Management Company is reporting inaccurate, unverified, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

This account was paid in full by my insurance and therefore should not be reported as a debt. Additionally, the balance reported by Credit Management Company is incorrect, as confirmed by the original creditor, XXXX XXXX XXXX XXXX. This directly contradicts Credit Management XXXX claims and further proves that they are furnishing false and misleading information to the credit bureaus. 

I previously sent a credit dispute letter to the credit reporting agencies regarding this account. In response, the credit bureaus stated that Credit Management Company claimed the debt was verified. However, the company has not provided any documentation or evidence to substantiate this claim, including proof of the correct balance or that the account is legitimately owed. This lack of verification violates federal law and contributes to the continued reporting of inaccurate information. 

Furthermore, this is a medical account, and its reporting constitutes a potential XXXX violation, as consent was never given for this information to be shared. Reporting of medical debt to credit bureaus has also been restricted under recent federal guidance, making this reporting improper.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
FCRA Dispute Inaccurate Address Reporting To Whom It May Concern : I am writing to formally dispute the accuracy of the following information reported on my Equifax XXXX report : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX This address is invalid and non-mailable, and its reporting is inaccurate, outdated, and misleading. Under the Fair Credit Reporting Act ( FCRA, XXXX U.S.C. XXXX, XXXX ( b ), XXXX ), Experian has a legal obligation to maintain reasonable procedures to ensure maximum possible accuracy of all information reported. Reporting an inaccurate address, and or outdated address violates this requirement. 

# Requested Action : XXXX. Investigate the accuracy of the above-referenced address with any furnisher ( XXXX ) that provided it XXXX. Correct the address to reflect my current and accurate mailing information, or delete the invalid address entirely XXXX. Provide written confirmation of the results of your investigation. 

Please be advised that under FCRA XXXX and XXXX ( b ), failure to conduct a reasonable investigation or to correct inaccurate information may constitute a violation of the Fair Credit Reporting Act, for which Experian may be held liable for actual, statutory, or punitive damages, including attorney 's fees. 

I have attached documentation verifying my correct address for your review. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX [ Attachments : Proof of current address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I am writing because my dispute has not been properly handled, and it is clear that your bureau has failed to follow the law under XXXX U.S. Code XXXX ( XXXX ), which requires you to give full consideration to all relevant information I provide as a consumer. 

I submitted supporting documents and explanations to show that the account and information in question are inaccurate. Instead of addressing the evidence I sent, your response appeared to be nothing more than a surface-level verification from the furnisher. This is not compliance with the law. The statute explicitly states that consumer-provided information must be considered during an investigation. By ignoring the materials I submitted, you are in direct violation of federal law and my rights under the Fair Credit Reporting Act ( FCRA ). 

The presence of this inaccurate information continues to harm melowering my credit score, damaging my reputation, and interfering with my ability to access fair credit opportunities. You are required to conduct a proper reinvestigation that includes my documentation, not just a rubber-stamp validation from the furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XX/XX/XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : [ XX/XX/XXXX ] TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : FINAL Demand to Remove Fraudulent Accounts, Duplicate Reporting & FCRA Violations To Whom It May Concern, This letter serves as my final notice and demand for immediate removal of the XXXX fraudulent accounts appearing on my TransUnion credit report. Despite XXXX previous disputes and submission of my FTC Identity Theft Affidavit, government ID, Social Security card, and proof of residency, TransUnion continues to report unauthorized accounts : Fraudulent Accounts in Dispute : XXXX. XXXX XXXX / XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account These items must be deleted immediately as they are the result of identity theft and represent duplicate reporting in violation of the FCRA. 
FCRA Violations Include : FCRA XXXX ( XXXX USC XXXX ) Required blocking of fraudulent information FCRA XXXX ( XXXX USC XXXX XXXX Failure to conduct reasonable reinvestigation FCRA XXXX ( a ) ( XXXX ) Duty to investigate identity theft claims FCRA XXXX XXXX XXXX ( XXXX ) Duty to ensure maximum accuracy Both XXXX  XXXX and XXXX provided letters confirming the disputed debts, yet TransUnion is reporting them twice, violating FCRA accuracy standards. 
Identity Theft & Address Mismatch Evidence : I previously provided my FTC Identity Theft Affidavit, ID, SSN card, and proof of address. Both XXXX XXXX and XXXX confirmed they do not have my correct address, proving fraud. 
On XX/XX/XXXX, a TransUnion XXXX XXXX XXXX. rep confirmed my FTC affidavit is on file but refused deletion due to payment history. Under FCRA, fraudulent accounts must be removed regardless of payment activity. 
Final Demand : Remove both fraudulent accounts immediately, correct duplicate reporting, and provide written confirmation within XXXX business days, or I will proceed with CFPB complaint, Attorney General filing, BBB complaint, and legal action for damages under FCRA XXXX & XXXX. 
Attachments Included : FTC Identity Theft Affidavit Government ID SSN card Proof of address XXXX & XXXX XXXX letters proving duplicate reporting 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 2025-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: NM

Complaint narrative:
Contacted Ally XXXX  servicing to request deletion of a comment on my credit reportsthat states " Completed investigation of FCRA dispute - consumer disagrees ''. This comment is preventing me from getting final approval in a mortgage the is nearing closing date. I am not disputing an item in the loan. I do not disagree with the outcome of the investigation. I am requesting the comment be removed and stop being reported immediately. I have contacted customer service who say there is no contact info available for the credit reporting department. Best they can do is open a case that can take up to 45 days to get even a response. I am requesting assistance to get this comment removed from my credit report and to stop submitting it monthly when my credit info reports to XXXX, XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing this complaint against Navy Federal Credit Union for withdrawing protected Social Security funds from my savings account and for breaching a verbal agreement to allow time for me to secure employment before charging off my accounts. 

After a job loss, I immediately notified XXXX XXXX of my temporary hardship. I remained in frequent contact with their representatives, who acknowledged my excellent payment history and verbally agreed to give me time to begin my new job before any adverse actions. Each time I asked for this agreement in writing, I was told a confirmation email would be sent but I never received XXXX, despite verifying my email several times. 

Instead, XXXX XXXX proceeded to charge off both my credit card and loan accounts and then withdrew funds directly from my savings account, which contained only Social Security deposits my sole source of income. I explained this to XXXX XXXX in tears, emphasizing that the withdrawal of these protected funds left me unable to pay rent and basic expenses. They later refunded only a small portion of the amount taken. 

This action violates federal protections under XXXX CFR XXXX and XXXX U.S.C. XXXX, which prohibit the attachment, garnishment, or offset of Social Security benefits. XXXX XXXX conduct also disregards their prior assurance to work with me and has caused significant financial and emotional hardship. 

I am requesting that the CFPB investigate and require Navy Federal Credit Union to : Fully reimburse all Social Security funds that were withdrawn ; Cease any future offsets or withdrawals from accounts containing federal benefits ; and Correct any negative credit reporting resulting from these actions. 

I can provide supporting documentation ( bank statements ) and a copy of my formal complaint letter ( certified letter ) sent to Navy Federal Credit Union upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: LA

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section XXXX ( b ), which requires you to follow reasonable procedures to ensure maximum possible 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 2025-10-31 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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