vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following XXXX, I will require at least XXXX days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

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 2025-03-30 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: GA

Complaint narrative:
Yes I have a debit account as well as a credit account with time and they did not refund the unauthorized charges to my debit card but they did refund it to the credit card they sent me the credit card refund of XXXX sometimes a couple of weeks ago but have never refunded the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc.
State: MO

Complaint narrative:
Consumer Portfolios and joint co-owner XXXX, have a payment agreement that was agreed on through contract that representative never pushed through to his manager ( which is all on a recorded line ). Joint Co Owner talked to a manager ( XXXX XXXX who is suppose to square this situation away but still have not attended to the matter. XXXX is suppose to get papers in the mail concerning the contract that company sent off on XX/XX/year> but still hasnt received anything and discrepancy is still on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Servicing Solutions, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, a company called SERVICING SOLUTIONS appeared on my credit report, and it dropped my XXXX XXXX by XXXX points. They claimed that XXXX XXXX XXXX sold my debt to SERVICING SOLUTIONS. I immediately contacted XXXX XXXX to inquire about said company ; however, XXXX had no knowledge of any delinquent payments on my account and instructed me to print out my monthly statements and dispute the claim on the XXXX credit report, as it may be fraud. Furthermore, if I receive any correspondence that is not from XXXX 's official email, I am to disregard it. XXXX has no knowledge of the company SERVICING SOLUTIONS in their records. On XX/XX/XXXX, my credit dispute came back as a charge-off, and my XXXX XXXX is still impacted adversely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: Experian Information Solutions Inc.
State: OH

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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
Consumer complaint received 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I contacted Ally credit card company as telling them that my interest was just about as high as my minimum payment and that I wanted to try to get that lowered or I would pay it off and close the account the lady I spoke to told me that the credit card company had told them that they we're told not to lower the interest for anyone- I don't have a high balance so I don't understand why they would do this also I don't believe that I have received any good credit from this company on my credit report just wanted to pass on this information because I'm sure I'm not the only one having this issue

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 2025-03-30 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:
Subject : Formal Complaint Regarding Debt Validation and Improper Collection Practices To Whom It May Concern, I am filing a formal complaint regarding multiple debt collection accounts appearing on my credit report. The creditors and third-party debt collectors have failed to provide proper validation of the alleged debts as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Despite my repeated requests, the creditors have not adequately verified the legitimacy of the debts, including proof that I am the rightful debtor, a detailed account history, or a valid chain of custody if the debt was sold to a third party. Additionally, third-party debt collectors have failed to validate how they obtained ownership of the debt or provide documentation proving their legal right to collect. 

These unresolved issues have negatively impacted my credit profile, and I believe the lack of proper validation constitutes unfair and deceptive collection practices. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure the creditors and debt collectors comply with federal regulations. 

Please advise on the next steps to resolve this issue and ensure the accuracy and legitimacy of the reported debts. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
I sent a check on XX/XX/XXXX and XX/XX/XXXX for XXXX each for mortgage payments in XXXX and XXXX. My mortgage company requires me to send checks for 3 months due to the routing number in my account initially rejecting the mortgage payments for a total of 3 times. 

I sent the checks through the chime app because Chime claims their checks will be delivered in 3-9 business days, and my mortgage is currently at 57 days overdue. The difference between keeping my home and losing my home depends on the arrival of these checks on time. Customer service has told me 5 separate times that once they send checks, its not their problem and have refused to look into help me figure out where theyve sent the check, if it was correctly sent, or offered any remedies. The customer service reps have been impatient on the phone and told me they do not have anyone to escalate this to in order to figure it out. 

I let them know that didnt work and that I specifically sent my mortgage payments via the certified check option in the mobile app because the delivery time was well within the date I had to pay my mortgage company. 

I am now 2 days away from foreclosure and while chime has had {$3500.00} of mine tied up well past when they said they would have it delivered and they have offered XXXX help. Only told me that theres no one who can help and that I can cancel the check which would cause me to lose my home. 

They have been notified of this. I have called on 5 occasions on 5 separate dates and I keep getting the same answer. All you can do is wait and hope it shows up.

Meanwhile, this entire time I have been able to afford my mortgage and Im about to lose my home at the hands of a company whos had my funds tied up and wont take responsibility or offer customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
Dear CFPB I am writing to formally dispute inaccurate and/or unverifiable information on my credit report under my rights outlined in the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 et seq. The item ( s ) in question are as follows : [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation into any disputed item and correct or delete any information that is found to be inaccurate, incomplete, or unverifiable. Furthermore, 15 U.S.C. 1681c ( a ) mandates the timely removal of outdated or erroneous accounts. 

As a direct result of your negligence in maintaining accurate reporting, I have suffered financial harm, including denial of credit, auto loans, and higher interest rates, all of which are violations of my consumer rights. Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, you may be held liable for willful and negligent noncompliance with the FCRA, including actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees.

You have five ( 5 ) days from receipt of this letter to correct and remove the erroneous information from my credit report. If you fail to comply, I will have no choice but to escalate this matter through legal action to seek full compensation for the financial and emotional damages caused by your noncompliance.

Please provide written confirmation once the disputed item ( s ) have been removed or corrected. If you believe the information is accurate, provide documentation verifying its validity. Otherwise, failure to act will result in further legal consequences.

This letter serves as a formal record of my request under the FCRA, and I expect immediate corrective action. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an unsecured loan account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX and a charge card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Hard inquiries consist of XXXX opened on XX/XX/XXXX and XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-03-30 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-03-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian, has continued to report this inaccurate/invalid account information on my credit file. I have notified both Experian and XXXX XXXX, to remove the inaccurate information on my credit file immediately. You are in violation of 15 U.S code 1681e ( b ) and 15 U.S code 1681i ( 5 ). This is a direct violation under the law. Multiple letters have been sent, multiple disputes have been files to both Experian and XXXXXXXX XXXX XXXX XXXXXXXX, this is the final opportunity please cease reporting inaccurate/invalid information immediately or I will have no choice but to take matters into my own hands.

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 2025-03-30 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a installment loan account opened at XXXX XXXX on XX/XX/XXXXXXXX  under the account number XXXX and a revolving account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Hard inquiries consist of XXXX opened on XX/XX/XXXX. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I observed there are other names on my credit report. I need those names removed asap.Also previous address es need to be removed.

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Sears credit card closed due to inactivity over seven years ago and still on report. 
I don't believe Sears exists I have been unable to contact for years. 

XXXX XXXX XXXX paid off in XXXX  closed early XXXX by XXXX and still being reported XXXX XXXX Account paid in full XX/XX/XXXX after being charged off in XXXX. Company promised to remove account from reporting services since I paid in full. It needs to be removed CITI Bank Account my now deceased wife XXXX XXXX opened. Was settled during probate, but is reported as charged off in in 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 2025-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : 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 non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital one!! I have 4 accounts with them In XXXX of XXXX  I had to fraudulent charges equal to about XXXX dollars i reported this, I again had to report it a second time in XXXX ( this was on my XXXX  account ) I never received credit I had more fraudulent activity on my XXXXXXXX XXXX XXXX were there was charges in two different areas of ohio and thst same time equivalent to approximately XXXX XXXX dollars I filed dispute and reported I'm at this point going through some identity theft, and I had to close the checking account and open up a new one and one of my payments submitted was declined because it went to my old account.So the payment was returned, so they closed all four of my accounts at which point I was told I still had to make the payments which I was, after 4 additional months of me making payments awaiting for credits, I told Capital 1I am no longer making payments on the disputed fraudulent activity. Therefore, my payments are only to go to the interest and principal of my personal financial responsibility. They refused payment under my conditions It took them approximately 7 months to reply with a letter. Telling me that my accounts will be remained closed because I m not cooperating, I have fired a complaint with the XXXX XXXX XXXX  a few months back and still nothing I want this resolved. I should not be treated this way over fraudulent activity. This is unacceptable, I have now on retribution and financial Payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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:
I don't know how this happened but apparently Experian, Equifax and possibly TransUnion info was disputed and what they did is the Credit Reporting Agencies now removed my ability to get my credit score and labeled account holder as " DECEASED ''. I am very much alive and they are injuring me and my credit by falsely reporting this.

Company response to consumer: Closed with explanation