vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Dear Sir or Madam, I am writing in response to your claim of an alleged debt. I am requesting that you provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please note that this is not a refusal to pay but a request for verification.

Pursuant to federal law, please provide the following : The name and address of the original creditor. 

The original account number associated with this debt. 

A copy of the alleged contract or agreement bearing my signature. 

A complete accounting of the amount claimed, including principal, interest, fees, and any other charges. 

Proof that you are legally authorized to collect this debt in my state. 

Documentation showing that you own or have been assigned the debt. 

Until you provide the above documentation, you must cease all collection activities, including reporting this account to any credit bureau. Be advised that failure to provide proper validation while continuing collection activity will constitute a violation of the FDCPA. 

I also request that you do not contact me by phone and that all future communications be made in writing only. 

If you can not provide the requested validation, you are required to cease all collection efforts and remove any related negative information from my credit reports. 

Thank you for your prompt cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
I responded to a XXXX XXXX listing for a XXXX  & XXXX  for {$250.00} on XX/XX/2025. The name on the seller profile was XXXX XXXX. I paid the person through chime, because they insisted it was an emergency and needed it immediately rather than upon pick up or via XXXX pay. I then was given a false address for which to pick the item up. When I arrived at the given address, a child answered the door and said there mustve been a mistake. I showed her the profile picture from the seller and she said no, these people do not live here, its just me and my mom.. Also, the profile picture from the seller is a XXXX  male and female. The people living at the given address were XXXX American. I then requested the money back from the individual and she immediately told me she spent it and then ended the conversation with emojis. I did report the seller profile to XXXX XXXX. I tried to dispute it with chime and was told to request the money back directly from the individual, which I did and got no response. The two transactions are to XXXX XXXXXXXX XXXX XXXXXXXX & XXXX  and to XXXX XXXX XXXX XXXX & XXXX. I have already requested the amounts back from the person, with no response. This is a fairly large amount of money to receive nothing in return and I would appreciate very much if I could receive the amount in question back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I made XXXX purchases from a seller overseas by the name of XXXX. All items received were counterfeit. I did not know they were counterfeit until I tried selling two of the items ( too small for me ) back on XXXX, and they returned the items to me with the certificate stating they were counterfeit. I reached out to the seller and offered to return the items in order for me to get a refund, and she refused. I told her the goods were counterfeit and she denied my request to make the return. I sent the bank proof of conversation between me and the seller requesting a refund, I sent the invoices, and even the certificate I received from XXXX as proof that the items were counterfeit. 

Dates : - XX/XX/year> - {$350.00} - XX/XX/year> - {$120.00} - XX/XX/year> - {$800.00} The bank denied all three claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: NJ

Complaint narrative:
Formal Dispute Under FCRA Unauthorized Inquiries To Whom It May Concern, Under the Fair Credit Reporting Act ( FCRA ), I am formally disputing the inclusion of the following inquiries on my credit report. These entries violate my federal rights to privacy and confidentiality as a consumer under the following provisions : 15 U.S.C. 1681 602A Recognizes my right to privacy as a consumer.

15 U.S.C. 1681 604A ( 2 ) States that a reporting agency can not release an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Prohibits any adverse information ( except criminal convictions ) older than seven years from being included in a credit report.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits any person from furnishing information to a credit agency if they know or have reasonable cause to believe the information is inaccurate. 

Therefore, I respectfully request the immediate removal of the following inquiries : Experian : XXXX - XX/XX/XXXX - Experian XXXX XXXX XXXXXXXX - XX/XX/XXXX - Experian XXXX XXXX XXXX - XX/XX/XXXX - Experian XXXX XXXX XXXX - XX/XX/XXXX - Experian Equifax : XXXX XXXX XXXX - XX/XX/XXXX - Equifax These inquiries were made without my authorization and do not reflect any legitimate business transaction initiated by me. Please investigate and remove these entries in accordance with FCRA 611.

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 2025-08-24 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: NJ

Complaint narrative:
Formal Dispute Under FCRA Unauthorized Inquiries To Whom It May Concern, Under the Fair Credit Reporting Act ( FCRA ), I am formally disputing the inclusion of the following inquiries on my credit report. These entries violate my federal rights to privacy and confidentiality as a consumer under the following provisions : 15 U.S.C. 1681 602A Recognizes my right to privacy as a consumer.

15 U.S.C. 1681 604A ( 2 ) States that a reporting agency can not release an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Prohibits any adverse information ( except criminal convictions ) older than seven years from being included in a credit report.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits any person from furnishing information to a credit agency if they know or have reasonable cause to believe the information is inaccurate. 

Therefore, I respectfully request the immediate removal of the following inquiries : Experian : XXXX - XX/XX/XXXX - Experian XXXX XXXX XXXXXXXX - XX/XX/XXXX - Experian XXXX XXXX XXXX - XX/XX/XXXX - Experian XXXX XXXX XXXX - XX/XX/XXXX - Experian Equifax : XXXX XXXX XXXX - XX/XX/XXXX - Equifax These inquiries were made without my authorization and do not reflect any legitimate business transaction initiated by me. Please investigate and remove these entries in accordance with FCRA 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AL

Complaint narrative:
XXXX XXXX at XXXX an unknown transaction for XXXX XXXX  for {$74.00} was taken out of my account. I was sleep at the time of this transaction and when I woke up and noticed it I contacted XXXX to complain about it and they told me it came from another account with a different name and to contact my bank. I contacted chime and started a dispute that same day and it got denied the very next day. I have been going back and forth with chime and XXXX to get my money. I have disputed this charge 5 times with chime every time bringing new documents showing I dont authorize this purchase. I sent emails that XXXX emails have emailed me stationing that this purchase was made on another account and they can confirm this charged was fraudulent. I sent over the last purchase I made on my XXXX account, proof I have no prime memberships, I sent an email XXXX sent me saying they believed it was an unauthorized transaction so they closed the account of the person and they believed they got it from another website. I spoken to multiple XXXX employees and they have tried to get me a refund but they said they cant do it because its on another account. And the only information that chime has sent me about my dispute was for the second time I disputed it and it got denied but all it shows is the documents I sent over, my account info and all the questions they ask me when I open my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
THIS ACCOUNT IS REPORTING A FRAUDULENT PAYMENT TOWARDS THIS ACCOUNT. I HAVE NEVER MADE ANY PAYMENT TOWARDS THIS INACCURATE ACCOUNT. WHICH MAKES THIS ACCOUNT PAYMENT HISTORY FRAUDULENT. THIS ACCOUNT IS REPORTING ON MY CREDIT INACCURATE BALANCES AS THE ORIGINAL AND CURRENT BALANCE ARE DIFFERENT. THEY ARE REFUSING TO PROVIDE REQUESTED DOCUMENTS, INCLUDING PROOF I MADE ANY PAYMENT AND SIGNED, DATED CONTRACTS WITH MY NAME AND SIGNATURE. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: VA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-24 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: NJ

Complaint narrative:
To Whom It May Concern : I am submitting this complaint against Experian Information Solutions regarding the continued inaccurate reporting of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Duplicate Derogatory Reporting All XXXX accounts stem from short-term loans with the same lender ( XXXX  ), all defaulted around the same timeframe in XXXX. Reporting them separately as XXXX charge-offs is misleading, inaccurate, and creates an artificially negative impact on my credit profile. This constitutes double and triple penalization for the same type of debt, which is not allowed under the FCRAs mandate for fair and accurate reporting.

Improper Past Due Balance Reporting After Charge-Off Experian is reporting these accounts as still past due as of XX/XX/XXXX, even though the last payment activity was XX/XX/XXXX and each account has already been charged off. A charged-off account can not simultaneously report as past due each new month indefinitely. This is false reporting and a clear violation of FCRA 1681e ( b ), which requires Experian to maintain maximum possible accuracy. 
Failure to Conduct Reasonable Investigation of Prior Disputes At least XXXX of these accounts are flagged as consumer disputes, yet Experian has continued to reinsert or update them without providing any documentation from XXXX  verifying the debt. Under FCRA 1681i ( a ), a consumer reporting agency must delete disputed information if it can not be verified. Experian has failed to comply. 
Willful Non-Compliance By continuing to report false balances and duplicate derogatories despite prior disputes, Experian is engaging in willful non-compliance with the FCRA. This not only damages my credit standing but also places Experian in violation of FCRA 1681n.

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 2025-08-24 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: CA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX THERE IS AN XXXX XXXX FRAUDULENT ACCOUNT OPENED IN XXXX IN MY CREDIT REPORT WHICH WAS OPENED FRAUDULENTLY AND MUST BE REMOVED FROM MY CREDIT REPORT NOW. ALSO THERE ARE 2 FRAUDULENT INQUIRIES XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX WHICH MUST REMOVED FROM MY CREDIT REPORT NOW. I AM THE ONLY PERSON WHO MADE THIS STATEMENT.

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 2025-08-24 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: CA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX THERE IS AN XXXX XXXX FRAUDULENT ACCOUNT OPENED IN XXXX IN MY CREDIT REPORT WHICH WAS OPENED FRAUDULENTLY AND MUST BE REMOVED FROM MY CREDIT REPORT NOW. ALSO THERE ARE 2 FRAUDULENT INQUIRIES XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX WHICH MUST REMOVED FROM MY CREDIT REPORT NOW. I AM THE ONLY PERSON WHO MADE THIS STATEMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
b"For the past two (2) plus months, I've been unable to access my account via online due to Bank of America's verification system consisting of utilizing a phone number to verify information and access account details (approximate timeframe extends from XXXX XXXX to XXXX XXXX). I have explained the situation with the inactive phone number, which was a former XXXX XXXX XXXX XXXX XXXX that is no longer utilized, due to Microsoft cancelling the program. I have requested for them to verify me via email verification (which has been utilized previously), or submission of PII (personal identifiable information) like identification card, passport, etc. via email and acceptance of the verified co-operator to my account (XXXX XXXX XXXX) to physically come into a branch, verify the information and provide access to the account. All options have been denied by Bank of America. I am currently located in XXXX  (DoS contractor/work related) and have no way of physically entering a Bank of America branch and providing the information they request. The most recent attempt to access my Bank of America account via phone app and over-the-phone representative service on XXXX XXXX XXXX XXXX, at XXXX  (Vietnam time) were unsuccessful. Bank of America representative (phone) Haley in Arkansas and her supervisor Matthew (ID# 6DPN1) both stated that without a US-related phone number, they could not assist me with the matter, nor could they transfer me to Bank of America's Executive Customer Relations Team for further assistance or resolution."

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 2025-08-24 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:
After reviewing my credit profi le, I found multiple inquiries and negative accounts reported without my written authorization. Under the FCRA 15 U.S.C1681 b- Permissible Purpose, no third party may access or report to my credit fi le without my express consent. Because I never granted suchauthorization, these entries violate the FCRA and constitute identity theft under federal law. I demand the immediate removal of these unauthorizedaccounts and inquiries within 2 business days of receiving this notice. Negative Accounts- XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct 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 XXXXXXXX XXXX XXXX ACCT XXXX INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Names 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 2025-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED 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 2025-08-24 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: NJ

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: OpenRoad Lending
State: NV

Complaint narrative:
OpenRoad Lending XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : Denied me to refinance my loan with my vehicle. I did everything for the last 4 years to better my credit and pay off all my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1500.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3300.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$960.00}

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 2025-08-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX THERE IS AN XXXX XXXX FRAUDULENT ACCOUNT OPENED IN XXXX IN MY CREDIT REPORT WHICH WAS OPENED FRAUDULENTLY AND MUST BE REMOVED FROM MY CREDIT REPORT NOW. ALSO THERE ARE 2 FRAUDULENT INQUIRIES XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX WHICH MUST REMOVED FROM MY CREDIT REPORT NOW. I AM THE ONLY PERSON WHO MADE THIS STATEMENT.

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 2025-08-24 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: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation