vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, as these inquiries still remain on my report. This failure to act is entirely unacceptable. The continued presence of these potentially fraudulent entries is deeply concerning and strongly indicates possible identity theft. This unresolved issue continues to cause me significant emotional and financial harm.

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 2025-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I tried to get this resolved and tried to get a loan through several banks and credit unions only to be told my Loan to Value is way off by {$30000.00}. I have copies of several repairs to this XXXX from the XXXX day we received it all info is in the attachment below. 
It will not let me upload the XXXX receipts from dealership repairs to the XXXX, but I can provide those to who is taking this case. 
Thank you for your cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I am writing regarding a garnishment order that was sent to the court and approved to garnish my Navy Federal Credit Union account in the amount of {$840.00}, with a return date of XX/XX/year>. 

As of today, it has been approximately two months and eleven days past the return date, yet my account funds remain on hold for {$840.00}. I contacted the court to verify the status, and they confirmed that the garnishment order has expired. The court also advised that they do not issue release documents and that, under Missouri law, funds should not remain held beyond the return date once the order has expired. 

Despite this, Navy Federals garnishment department has continued to hold the funds, citing the need for additional documentation from either the court or creditor. This continued hold appears to be inconsistent with XXXX  state law regarding garnishment procedures. 

Since the order is no longer active after XX/XX/year>, and the court has confirmed its expiration, I respectfully request that a member of Navy Federals legal or garnishment team contact the issuing courts garnishment department directly at ( XXXX ) XXXX to verify the status of the order. 

The court will confirm that the order has expired and that the funds should no longer be held. If the creditor wishes to continue collection, they must refile and obtain a new order, as the current one is no longer valid under XXXX law. 

Accordingly, I request that Navy Federal Credit Union release the hold on my account and restore full access to my funds immediately, pending any new or valid garnishment order from the court or creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX- Inquired on XX/XX/XXXX XXXX- Inquired on XX/XX/XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: MN

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TN

Complaint narrative:
XX/XX/XXXX This has been on going since XX/XX/XXXX I reached out directly to the company to see why my account has been closed. They first informed me I was untitled to a refund, asked my mailing address, then in the end said I was NOT entitled to a refund. I called again and they continue to read a script when I ask to speak with someone in upper management. They stated the deposits in the account went against terms and conditions, however I sent documentation in showing proof of where deposits came from etc. yet, still no resolution to this Today XX/XX/XXXX @ XXXX XXXX XXXX  I spoke with a representative by the name XXXX which stated the same thing. He could not provide where my money was going

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint and request for investigation regarding an outdated account reporting on my Equifax credit file. The account is listed as follows : Creditor Name : Avid Acceptance Date of First Delinquency : XX/XX/XXXX ( as reported by Equifax via XXXX ) Last XXXX : XXXX Under the Fair Credit Reporting Act ( FCRA ) 605 ( a ) ( 4 ), negative accounts may only be reported for XXXX years from the original date of delinquency that led to the charge-off or collection. Based on the XXXX of XX/XX/XXXX, this account has now reached the seven-year reporting limit and should be scheduled for deletion no later than XX/XX/XXXX. 

Given that the account is now seven years old, I am respectfully requesting early deletion in accordance with standard credit bureau practices and the FCRAs intent to prevent outdated, adverse information from continuing to affect consumers. 

Please remove this XXXX XXXX account from my Equifax credit report and provide written confirmation of the deletion. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS XXXX XXXX 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 explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS XXXX XXXX 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 explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  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 XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX 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 Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I have been a Barclays cardholder for several years with a fairly stable history and have rarely experienced a credit-limit decrease. On XX/XX/year>, I made a {$1000.00} payment to my Barclays XXXX XXXX ( ending XXXX ). The payment posted successfully the same day. The next day, XX/XX/XXXX, Barclays reduced my credit limit from {$9700.00} to {$8800.00}, which immediately eliminated nearly all of the available credit that payment should have created. 

I began calling about XXXX  days later repeatedly, to ask why the {$1000.00} was not showing in my available credit. Multiple representatives told me the payment was only under a temporary hold and guaranteed that my available credit would update on XX/XX/year>. I relied on those assurances when planning an upcoming trip. It is now after that date, and my available credit has not been restored. Barclays has since admitted the payment remains under a hold even though my bank confirmed the funds cleared long ago. 

I am extremely upset by the timing of the credit-line reductioncoming XXXX day after my good-faith paymentand by the misleading information I received for more than a week. This combination feels predatory and unfair : Barclays accepted my payment, reduced my limit immediately afterward, and then gave repeated false guarantees about when I could access the credit.

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 2025-10-21 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:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: EQUIFAX, INC.
State: IL

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 Equifax, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: AZ

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
Last year I noticed my score went down and upon looking I realized there was an account opened in my name under the name XXXX XXXX, Ive never opened this account and I dont even know where it came from XXXX tried disputing it but it always come back verified

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 2025-10-21 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:
Last year I noticed my score went down and upon looking I realized there was an account opened in my name under the name XXXX XXXX, Ive never opened this account and I dont even know where it came from XXXX tried disputing it but it always come back verified

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 2025-10-21 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: FL

Complaint narrative:
I am filing this complaint due to multiple unauthorized hard inquiries that have been made on my credit report without my knowledge, consent, or permissible purpose, as required by the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section 604 ( 15 U.S.C. 1681b ), a hard inquiry XXXX only be made if there is a legitimate permissible purpose, such as a credit application that I explicitly authorized. I have not applied for credit or authorized any of the following companies to access my credit report : These inquiries were not initiated or approved by me in any capacity. I have contacted the credit reporting agency ( [ Experian/Equifax/TransUnion ] ) to dispute these inquiries and demand their removal. However, no satisfactory resolution has been provided. 

The continued reporting of these inquiries without proof of authorization is a violation of my rights as a consumer under the FCRA and potentially opens these companies and the credit bureaus to civil liability. Hard inquiries can lower my credit score and affect my ability to obtain credit therefore, this is not a trivial issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: MO

Complaint narrative:
Despite submitting a previous CFPB complaint and receiving confirmation that the dispute was forwarded to the relevant creditors, no corrective action or resolution has been made. The reported late payments remain inconsistent across bureaus and with creditor records, despite multiple verification requests. 

These accounts continue to reflect duplicate, conflicting, or inaccurate late payment data across different months and years, which violates FCRA 611 ( a ) requiring data furnishers to investigate and correct or delete inaccurate information. 
The persistent inaccuracies negatively impact the consumers creditworthiness and suggest that the furnishers have not conducted a proper reinvestigation or provided documentation validating the accuracy of their reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: Chime Financial Inc
State: NY

Complaint narrative:
I am writing to formally file a complaint regarding multiple XXXX XXXX  transactions that were processed incorrectly on my Chime account. 

The following transactions were initiated and completed by me and appeared as pending at the time : XXXX XXXX XXXX XXXX XXXX Add Ca XX/XX/XXXX at XXXXXXXX XXXX {$25.00} ( Pending ) XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX at XXXXXXXX XXXX {$75.00} ( Pending ) XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX at XXXXXXXX XXXX {$200.00} ( Pending ) XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX at XXXX PM {$110.00} ( Pending ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXXXXXX XXXX  {$70.00} ( Pending ) However, I later discovered that the following transactions were processed and completed even though there were no available funds in my account at the time. This resulted in unauthorized deductions and a negative balance, which Chime has refused to correct : XXXX XXXX * XXXX * Add Ca XX/XX/XXXX at XXXXXXXX XXXX  {$25.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX at XXXX XXXX {$75.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX at XXXX XXXX {$200.00} I did not authorize these transactions to be processed when there were no sufficient funds, and I am requesting a full review and correction of this error. 

Please investigate this matter and provide a resolution or refund for the incorrectly processed transactions as soon as possible. 

Thank you for your attention to this issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation