vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
There was a transaction that was cancelled from XXXX  That was supposed to go back in my account within two business days I called on XXXX the XXXX and spoke with someone in reference to this I called back again on XXXX  XXXX the XXXX and spoke to a supervisor by the name of XXXX XXXX who assured me that my money would be back in my account I explained to her that Thursday would be a holiday and was she assured that my money would be back in my account she told me yes XXXX XXXX your money will be back in your account I see it moving over now as of today which is XXXX  XXXX the XXXX my money has still not been put back into my account and it keeps going on and on with them holding on to my money drawing interest off of it and not giving me back my money

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 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: GA

Complaint narrative:
15 u.s. code 1681 Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy formation concerning the individuals about whom the report relates Jefferson Capitol is calling and sending me mail saying I owe them {$1300.00} which i challenge this before and had it remove. They call telling me I owe them and I asked for paperwork prove I do I never received anything. This a bill from XXXX which has been a charge off for years. XXXX had no right to sale my info without asking me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
Subject : Request to Reinstate My Gold Visa Account Fair Credit Reporting Act Reference Dear PenFed Team, Im writing regarding the closure of my Gold Visa account ending in XXXX. 

This decision was unexpected, as I have always paid my account on time and have maintained a responsible credit history with PenFed. If my balance went over the limit, it was not due to negligence but because my current credit limit is no longer adequate for my needs. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to accurate and fair reporting of their credit history. Any adverse action such as an account closure must be based on valid and verifiable information, especially when a consumer has demonstrated consistent positive performance. 

Given my solid payment history, the appropriate action would have been a credit-limit review, not the closure of my account. Therefore, I am requesting an immediate review of this decision and the reinstatement of my credit line. I also expect that any information reported to credit bureaus related to this matter be reassessed for full accuracy. 

I look forward to your prompt response

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 2025-11-28 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:
The disputed entry does not reflect my true financial behavior. Please review and correct my record to ensure accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
I reached out on XX/XX/XXXX to request my name to be corrected and the correct SS # to be added. I also requested that erroneous credit information to be update and it wasn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: EQUIFAX, INC.
State: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-11-28 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: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-28 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: Kinum, Inc., Indianapolis, IN Branch
State: NY

Complaint narrative:
I am submitting this complaint regarding, Kinum Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Va XXXX XXXX who is currently reporting or attempting to collect an unauthorized, unverified, and inaccurate account on my consumer report. 

The company has violated multiple federal statutes, including the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), and my reserved rights under UCC 1-308. 



XXXX. Violation of 15 U.S.C. 1692g Failure to Provide Validation I requested proper validation of the alleged debt, including : Original contract bearing my signature Proof of ownership or assignment Complete accounting of the amount Legal right to collect The collector failed to provide validation, yet continued attempting collection and continued reporting, which is a direct violation of FDCPA 1692g ( b ). 



XXXX. Violation of 15 U.S.C. 1692e False or Misleading Reporting The company is reporting information that is : Inaccurate Unverified Missing required documentation Not authorized by me Updated with conflicting or false dates This constitutes false and deceptive representation, which is prohibited by 15 U.S.C. 1692e. 



XXXX. Violation of 15 U.S.C. 1681i Failure to Properly Reinvestigate I disputed this account with the credit bureau ( XXXX ). 
Instead of performing a lawful reinvestigation, the bureau : Verified the account without documentation Failed to provide a method of verification Ignored evidence submitted Continued reporting the incorrect information This violates FCRA 611 ( 15 U.S.C. 1681i ) and demonstrates negligent and/or willful noncompliance. 



XXXX. Violation of 15 U.S.C. 1681s-2 Duty to Report Accurate Information The furnisher continues to report information that is : Unverified Inaccurate Legally disputed This is a violation of FCRA 1681s-2 ( a ). 



XXXX. Reservation of Rights UCC 1-308 I have asserted my rights under UCC 1-308 , reserving all rights without prejudice, and the company has ignored lawful requests for documentation and verification. 



Requested Action by the CFPB I request the CFPB to take enforcement action to require : XXXX. Immediate deletion of the unverified/unauthorized account from all consumer reporting agencies XXXX. A full investigation into [ XXXX XXXX ] XXXX. A written explanation from the company XXXX. Compliance with all applicable federal laws This company is willfully violating federal consumer protection laws and causing financial harm, emotional distress, and damage to my creditworthiness. 



I certify that the statements above are true and accurate to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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 unrelated to these accounts ; please eliminate them within XXXX  days per USC 1681g.

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 2025-11-28 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I received a charge on my debit card {$140.00}. From XXXX XXXX. I immediately called the bank to dispute the transaction. I let them know. It was not authorized. I had got a receipt via email, but the receipt gives me no information about what I'm being charged for or why. I spoke with them. They could not figure out nor provide me with anything via email or in writing as to what the charge was for. I did speak with them, and they could not tell me anything that I would need to know to be able to submit properly to my XXXX XXXX or my XXXX XXXXXXXX they were unable to tell me dates of service. Who the provider was or give me an invoice. They confirmed there was never an invoice generated. I was told by XXXX they tried but were unable to figure it out and told me to work it out with my bank. The bank Navy Federal I called several times and was told by several managers that because I did give them my card information over a year ago, when I signed up for them as a practice that is considered giving them permission to charge my debit card whenever they want to. And that I will have to work it out with them.

So Navy Federal has basically given merchants free range to charge as they please. It should be noted that after the charge of {$140.00}, the company then charged me again for an additional unauthorized charge of {$70.00}. Navy Federal saying that because I gave them my card information when I signed up with them as a doctor 's office last year that that's giving them permission to bill my card for any amount at any time going forward. When I asked directly as to why they declined my dispute, the supervisor then suddenly started speaking of a completely separate already resolved concern that I never even mentioned. as this was my second supervisor today alone I had spoken she literally was not listening to the words come out of my mouth.She was clueless as to which charges we were supposed to be discussing or with the actual issue was. And despite me reiterating, what the issue was, she continued to speak about other transactions that had nothing to do with the concern the supervisor then was arguing with me regarding the dispute speaking of the wrong case. I have been constantly speaking with them regarding this issue since the end of 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 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/year>, my Venmo account was suspended. I was trying to withdraw money from an ATM, and after going to XXXX different machines and still not being able to access my funds, I finally found out that Venmo had locked my account. Now my account is frozen holding {$2100.00} and theyre saying they plan to hold my money for XXXX  days. Thats not fair. If Venmo wants to close my account, thats fine but holding my money is not okay. I just want access to my account so I can transfer my funds to another account and be done with Venmo completely. 
I did everything the email told me to do and they still got my money on hold, ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: OH

Complaint narrative:
I have been attempting to remove a negative and erroneous item from my credit report for several years. In XX/XX/year>, the matter went to court and the case was dismissed in my favor. Despite submitting multiple disputes and providing documentation that the debt is invalid, TransUnion, XXXX, and XXXX  have not removed the item. Additionally, XXXX XXXX has failed to provide any verification or supporting documentation to justify reporting this account.

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 2025-11-28 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: OH

Complaint narrative:
I have been attempting to remove a negative and erroneous item from my credit report for several years. In XX/XX/year>, the matter went to court and the case was dismissed in my favor. Despite submitting multiple disputes and providing documentation that the debt is invalid, XXXX, XXXX, and Experian have not removed the item. Additionally, XXXX XXXX has failed to provide any verification or supporting documentation to justify reporting this account.

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 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX XXXX ET ), a charge of {$21.00} from XXXX XXXX was posted to my account. I did not authorize this transaction and did not have a XXXX account at that time. I also discovered multiple transfers and transactions involving an individual identified as XXXX XXXX None of these transactions were authorized by me. 

I have not yet contacted the company to dispute these charges. I am filing this complaint to request that the company investigate all unauthorized transactions, reverse the charges, and provide an explanation of how they were processed and why they occurred. 

I am submitting this complaint with the expectation that the company will take appropriate action to resolve these unauthorized transactions and ensure that no future charges occur without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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 2025-11-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

Company response to consumer: Closed with explanation