vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
My home burned down in a fire on XX/XX/XXXX. They were called on XX/XX/XXXX same day. All the equipment was burnt, destroyed. The structure to my home was damaged to where I was not allowed inside for weeks. The man I spoke to said is there any way you can possibly salvage the cable box. I hope this call was recorded as you can clearly hear that and further ignorant comments from him. It has been one of many thats been haunting my credit report and I need it off ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
There were multiple charges on my Bank card out of my account while I was in XXXX for 30 days. adding up to around {$8000.00}. The dates of most transaction correspond with the dates I was in jail. 

I filed Froud reports on all unauthorized transactions.

They determined that most the charges were not fraud.

I did my own research and found a few accounts that were used with my card. It shows names and dates with my card number attached. I've sent to my bank and haven't heard anything back. 

-Police Report XXXX XXXXXXXX -These Charges can not be me, I couldn't have gave permission as I was XXXX in XXXXXXXX during this time. dates and proof shown in PDF below. 

XXXX has verified the charges are not from my account. its easy to see these charges weren't weren't from me and I had no knowledge of them. 

- After doing my own research I found the following accounts used to purchase items from my bank card number : XXXX XXXX ( XXXX XXXX ) : XXXX XXXX : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY XXXX XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 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 XXXXXX/XX/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 2025-05-31 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: IL

Complaint narrative:
I had past-due accounts with XXXX  that I fully paid off years ago. Despite multiple requests, they continue to report this negatively on my credit report. I am XXXX  XXXX XXXX  military service member and have made several good-faith attempts to request that the negative item be removed to support my financial rehabilitation. 

The company claims it is required to report the account for 7 full years, which is not true under the Fair Credit Reporting Act ( FCRA ). Creditors have the discretion to request deletions from the credit bureaus for paid and settled accounts. 

The continued reporting of this item is damaging my ability to access credit and financial tools, despite having met my obligations. Im requesting the CFPB assist in compelling this creditor to remove the account as a goodwill deletion or otherwise explain why they are unwilling to assist a fully compliant and XXXX customer. 

TO INCLUDE ACCOUNT NUMBERS 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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc
State: IL

Complaint narrative:
I lost my license over a year ago and got them back it was only for 3 months. I earned my license back and I have not had a ticket in over a year. Ive been a safe and legal driver for over a year now. XXXX approved me and they gave me a second chance. What your background check has showed was the past and I worked really hard to get back on track. I didnt drink and drive so I dont understand why I am doing denied. Please take another look for me a chance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX ( Account Number : XXXX ), Account name XXXX XXXX XXXX XXXX ( Account Number : XXXX ), Account name : XXXX XXXXXXXX XXXX  XXXX ( Account Number : XXXX, Account Name : XXXX XXXX  ( Account Number : XXXX ), has violated my rights. 

I looked at my Experian credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable informationh ( A ) In general, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re investigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
PenFed hired a third-party debt collector, XXXX XXXX , to settle an account I owed. I completed a settlement payment of {$350.00} on XX/XX/XXXX via cashiers check from XXXX XXXX XXXX XXXX, which was accepted by XXXX XXXX as settlement in full. 

Despite this, PenFed continues to report that I owe a balance of {$250.00}. And has called me while at work asking when ill pay when I don't owe anything, This is false, inaccurate, and damaging to my credit. I have sent proof of payment to all three credit bureaus ( XXXX XXXX XXXX ), disputed this account multiple times, and even contacted PenFed directly, but the inaccurate information remains.

PenFed also mailed me a letter after settlement stating I am still financially responsible, despite the completed settlement.

I am requesting that the CFPB intervene and require PenFed to : Delete the tradeline/account from all 3 credit bureaus. As well as i have let all 3 credit bureaus know and they have claimed each time that this information is accurate when it is not.

Penfed also Acknowledged the account was settled in full through their third-party agency. I spoke to a supervisor by the name of " XXXX '' and a representative by the name of " XXXX XXXX '' which i spoke to on or around XX/XX/XXXX. XXXX also acknowledged that the error in the system was caused by a representative from PenFed NEVER updated my account when the check was received and never updated this information to a " SETTLED ACCOUNT '' which i then asked since they have been reporting inaccurate information for the last 2 years if they could remove this from my credit report due to the false reporting and the damage caused and failure to properly update the credit bureaus. I am just an XXXX XXXX trying to make my credit better to one day buy a home for my family and get on the financial structed plan i have dreamed to have, but can not accomplish that goal with information being reported inaccurately that was not updated.

I have attached proof of payment and all supporting documents.

This is a violation of the Fair Credit Reporting Act ( FCRA ) and is negatively impacting my credit standing and ability to access fair financial services.

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 2025-05-31 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: MD

Complaint narrative:
I have asked you to do an investigation on my credit profile and you have not done a fair investigation. It appears you are using something like E Oscar or some automated process to settle my disputes. The accounts listed below have not been verified nor have you provided the verification that I requested.

My XXXX  credit file doesn't report this information which means you can not assure that these accounts are 100 % accurate. It also means that you received information from the data furnishers that the information that you are reporting is inaccurate. Remove these accounts from my credit report promptly.

Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Attached will be identification and evidence showing the inaccuracy of the accounts being reported on my 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 2025-05-31 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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 2025-06-01 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: KS

Complaint narrative:
On XX/XX/year>, I decided to check my credit score through XXXX XXXX. After checking my score, I noticed that it had gone down significantly. I looked into it and found that it was tied to a late bill from Chime. After some more digging, I found out that the bill of {$730.00}, due XX/XX/XXXX, was connected to XXXX. The card that was used in this transaction was my XXXX XXXX XXXX from Chime. On XX/XX/XXXX, I received a direct deposit from my work ( XXXX XXXX XXXX ), for the amount of {$860.00}. Chime then automatically transferred the direct deposit of {$860.00} to my XXXX XXXXXXXX XXXX. Due to this, I paid my bill of {$730.00} from XXXX  on XX/XX/XXXX with my Chime XXXX XXXX card. Later, on XX/XX/XXXX, I transferred the remainder of my Direct deposit from XXXX back into my Chime checking account from the XXXX XXXX card. The remainder was {$130.00}. Since then, Chime has reported my bill as being unpaid and late. They are claiming that the bill is unpaid to them, however i have confirmation that XXXX received payment from my XXXX XXXX account. I have not received any app notifications or letters regarding a late payment through Chime. Since then, I have reached out to Chime Customer Support and they repeatedly transferred without resolution. they kept evading discussing the issue by failing to respond to numerous emails regarding the issue. Also to note, Chime closed my XXXX XXXX account on Sunday, XX/XX/XXXX, possibly adversely affecting my credit further. I look forward to a resolution as soon as possible. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: GA

Complaint narrative:
Subject : Formal Dispute and Request for Immediate Reinvestigation and Correction Under FCRA To Whom It May Concern : I am writing to formally dispute inaccurate and misleading information reporting on my credit file. This letter serves as notice under the Fair Credit Reporting Act ( FCRA ), including but not limited to Sections 611 ( a ), 623 ( a ) ( 1 ) ( A ), and applicable provisions requiring accurate, complete, and verifiable reporting of account history. 

The following accounts contain inaccurate reporting and must be immediately corrected or deleted : XXXX. XXXX. XXXX XXXX Acct # : XXXX - Account is currently open and reflects an inconsistent history of 30, 60, and 90-day late marks.\n- Payment records from recent months conflict with current balance and standing.\n- Under FCRA 623 ( a ), furnishers must not report inaccurate data. Under 611 ( a ), the bureau is required to conduct a reasonable reinvestigation.\nRequested Action : Please conduct a full reinvestigation and remove all inaccurate derogatory payment history. 

XXXX. XXXX. XXXX XXXX Acct XXXX : XXXX - Account is current but shows a series of late payments from XXXX  through early XXXX These payments may be inaccurately reflected and have not been verified through documentation.\n- Under 611 and 623, if the creditor can not fully verify the accuracy of each derogatory mark, the data must be removed.\nRequested Action : Delete or correct all inaccurate payment history. 
Please complete this reinvestigation within the 30-day period required by law and provide me with an updated copy of my credit report. Failure to properly investigate and correct these items may result in further complaints filed with the CFPB and potential legal action. 


Sincerely, XXXX XXXX XXXXXXXX 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 2025-05-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX  XX/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 2025-05-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Formal Dispute and Request for Immediate Reinvestigation and Correction Under FCRA To Whom It May Concern : I am writing to formally dispute inaccurate and misleading information reporting on my credit file. This letter serves as notice under the Fair Credit Reporting Act ( FCRA ), including but not limited to Sections 611 ( a ), 623 ( a ) ( 1 ) ( A ), and applicable provisions requiring accurate, complete, and verifiable reporting of account history. 

The following accounts contain inaccurate reporting and must be immediately corrected or deleted : XXXX. XXXX. XXXX XXXX Acct # : XXXX - Account is currently open and reflects an inconsistent history of 30, 60, and 90-day late marks.\n- Payment records from recent months conflict with current balance and standing.\n- Under FCRA 623 ( a ), furnishers must not report inaccurate data. Under 611 ( a ), the bureau is required to conduct a reasonable reinvestigation.\nRequested Action : Please conduct a full reinvestigation and remove all inaccurate derogatory payment history. 

XXXX. XXXX. XXXX XXXX Acct XXXX : XXXX - Account is current but shows a series of late payments from XXXX  through early XXXX These payments may be inaccurately reflected and have not been verified through documentation.\n- Under 611 and 623, if the creditor can not fully verify the accuracy of each derogatory mark, the data must be removed.\nRequested Action : Delete or correct all inaccurate payment history. 
Please complete this reinvestigation within the 30-day period required by law and provide me with an updated copy of my credit report. Failure to properly investigate and correct these items may result in further complaints filed with the CFPB and potential legal action. 


Sincerely, XXXX XXXX XXXXXXXX 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 2025-05-31 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:
Subject : Formal Dispute and Request for Immediate Reinvestigation and Correction Under FCRA To Whom It May Concern : I am writing to formally dispute inaccurate and misleading information reporting on my credit file. This letter serves as notice under the Fair Credit Reporting Act ( FCRA ), including but not limited to Sections 611 ( a ), 623 ( a ) ( 1 ) ( A ), and applicable provisions requiring accurate, complete, and verifiable reporting of account history. 

The following accounts contain inaccurate reporting and must be immediately corrected or deleted : XXXX. XXXX. XXXX XXXX Acct # : XXXX - Account is currently open and reflects an inconsistent history of 30, 60, and 90-day late marks.\n- Payment records from recent months conflict with current balance and standing.\n- Under FCRA 623 ( a ), furnishers must not report inaccurate data. Under 611 ( a ), the bureau is required to conduct a reasonable reinvestigation.\nRequested Action : Please conduct a full reinvestigation and remove all inaccurate derogatory payment history. 

XXXX. XXXX. XXXX XXXX Acct XXXX : XXXX - Account is current but shows a series of late payments from XXXX  through early XXXX These payments may be inaccurately reflected and have not been verified through documentation.\n- Under 611 and 623, if the creditor can not fully verify the accuracy of each derogatory mark, the data must be removed.\nRequested Action : Delete or correct all inaccurate payment history. 
Please complete this reinvestigation within the 30-day period required by law and provide me with an updated copy of my credit report. Failure to properly investigate and correct these items may result in further complaints filed with the CFPB and potential legal action. 


Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit Health

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I disputed with Equifax showing that my student loans were forgiven and that I did not owe anything. I even uploaded it to the site ( Equifax ) and that did nothing. They still kept it on my report.

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